Microsoft Excel, Word, Outlook and applications, analytical, great attention to detail, interpersonal and communication skills, ability to prioritize
workload, ability to be flexible and adapt to a fast paced and changing business
08/2013 to Current
Commercial Real Estate Portfolio Closer/ManagerRegions Bank － Birmingham, AL
Primary facilitator to a Relationship Manager for the closing of commercial lending
transactions from beginning to end in accordance with regulations and bank policies.
Work directly with outside counsel negotiating loan documentation in accordance with
Acts as liaison between escrow, title and all interested parties to coordinate funding and
Ensure all loans are in compliance with regulatory requirements.
Create and review for accuracy loan documents and closing statements for the closing
Review and approve the HUD or settlement statement per the closing instructions/statement.
Calculate initial funding amounts and administer loan funding in accordance to loan
administration policy and guidelines.
Analyzed legal documents, including wills, insurance policies and corporate contracts. Verify the borrower's CAP against their approval.
Verify that each loan request corresponds to the borrower's current approval.
Verify and manage the borrower's risk exposure for each loan closing based on the line
parameters per the CAP and approval.
Book the loan to the core system and ensures that libor/prime rates, spreads, loan
amount, initial draws and fees are accurate.
Ensures executed loan documents are complete upon return and clears any post-closing
Cross trains as additional support and backup for the Borrowing Base team.
Analyzed legal documents, including wills, insurance policies and corporate contracts.
10/2011 to 04/2013
Home Preservation SpecialistWells Fargo － Birmingham, AL
Responsible for providing single point of contact to borrowers whose loans are
delinquent or at high risk for delinquency.
Assist borrowers to find solutions to maintain home ownership, including HAMP,
proprietary modifications, repayment plans, forbearances etc.
If retention options are
not possible, discuss other solutions including short sale and deed in lieu.
Responsible for analyzing the borrower's financial situation and assist in making
recommendations on loan modifications and other workout options.
Identify, maintain, track, and log requested documents for workout review.
Interview borrowers to understand their specific situation identify and request the
appropriate documents required for loan modification review.
Answer inbound inquiries from borrowers regarding the status of the loss mitigation,
loan modification, short sale and foreclosure process.
Place outbound calls to notify borrowers when additional loan document information is
required or to follow up on loan docs.
Notify customers and ensure their understanding of current status, options, timelines,
coordination touch points, customer obligations through the process and the loan
Access information on multiple systems to inform borrowers of loan terms, important
dates and deadlines.
Communicate and coordinate with multiple Servicing departments (both internal and
external to Wells Fargo).
Remain as the single point of contact to the borrower throughout the loss mitigation,
loan modification, and foreclosure process.
Notify and inform borrowers of changes to established dates/timelines throughout
Work with the borrower to set up work out payment plans.
Work with the borrower to set up and follow up on good faith payments.
Work with the borrower to get loan modifications signed and closed.
Work with the borrower to obtain broker information for short sale process.
Effectively Work in a team environment in an effort to achieve team/volume goals and
provide superior customer service.
10/2007 to 07/2011
Sterne Agee & Leach － Birmingham, AL
Automatic Customer Account Transfer/Mutual Fund Networking Specialist.
Maintain a running balance of the total market value of each account received.
Responsible for processing fees, mutual funds and options (puts and calls) associated
with each account transfer.
Responsible for the analytical aspect of all incoming and outgoing transfers to insure
each transfer is within compliance and NSCC regulations.
Responsible for reporting and recording daily debits and credits.
Edit and correct any errors on all incoming transfers.
Responsible for the reconciliation of mutual funds.
Set up security and mutual fund account numbers.
Monitor and analyze transaction reports at each cycle on a daily basis.
Analyze all rejections from the transaction report and initiate solutions.
Systematically validate all incoming and outgoing transfers meeting each deadline.
02/2004 to 11/2007
Education and Training
Bachelor of Science: FinanceJacksonville State University － Jacksonville, AL
Certificate of Credit AnalysisCompass Bank Aka BBVA － Birmingham, AL
Associate of Science: Business AdministrationGadsden State Community College － Gadsden, AL