Loan Portfolio Manager Resume Example United Community Bank

LOAN PORTFOLIO MANAGER

Executive Profile

Dedicated and results-oriented professional, with 15+ years of experience supporting default and risk management with significant exposure to areas such as: Credit & Collections, Loan Portfolio Management, and Loan Administration including Residential and Commercial Mortgage loans servicing, Auto Loans and Credit Cards for domestic and international markets.

Skill Highlights

Excel, Word, Power Point

Market research and analysis
Business operations organization
Client account management

Core Accomplishments

Recognized for reducing losses and minimizing risk exposure, increasing the performance of the portfolio making it more attractive to third party funders as well as investors.

Professional Experience

Loan Portfolio ManagerMar 2013 to Dec 2014
United Community Bank － Murphy , NC

Director of Loan Fund Management: Senior Management level specializing in monitoring the health of the NHSNYC $22MM Mortgage Servicing Department including its credit granting and Loans Portfolio.
As a Director of Loan Fund, entrusted with ensuring availability of funds for NHSNYC lending programs was in place to provide direction on the development and evaluation of NHSNYC lending products and services.
As a loan portfolio manager, streamlined the servicing of mortgage loans, conducting monthly, quarterly and yearly analysis to accelerate the general condition of the operations and its profitability.
Leveraged loan loss reserve levels and adjusted any losses to determine appropriate levels of loan loss reserves requirements.
Facilitated portfolio quality review including risk rating and market risk factors for adequacy and compliance with internal standard policies.
As the Spearhead of the Internal Portfolio Review Committee (IPRC) delivered reports to Sr.
Management, Board Members, Loan Approval Committee, Controller, CEO and CFO providing lending guidance for the design and implementation of appropriate risk policies and management strategies.
Materialized client compliance with loan covenants including tracking both defaulted loans by borrowers and the portfolio as a whole working solutions such as; workouts, modifications, restructures, extensions and waivers along with other negotiating tools when necessary in an effort to minimize the risk of losses.
Administered and approved drawdowns from credit facilities while balancing appropriate levels of Loan Funds availability.
Leveraged the servicing of the loan portfolio of underperforming and non-performing assets securitized by residential real estate (1-4), commercial real estate, multi-use (5-20), and Coop acquisitions.
Cultivated and encouraged strong relationships with banks regarding the use of NHSNYC credit facilities ($2MM-$5MM) and report generation of internal and external controls for policy evaluation.
Member of the Loan Credit Committee (LCC) managing the credit review and approval of exemption to policy loans.
Significant exposure to policy recommendations for changes in procedures as necessary to warrant the functionality of accurate allocation of funds for lending.
Supervised the loan closing process, including accounting staff during loan origination, underwriting and post-closing of operations department staff, for documentation accuracy and final closing, funding, and servicing of the loans.
Ensured that the organization complied with the New York Department of Financial Services (DFS) during examination.
Collaborated with the Director of Lending Services impacting business development initiatives.

Portfolio ManagerOct 2012 to Mar 2013
Hudson City Savings Bank － City , STATE

Administered a portfolio of delinquent loans and advanced foreclosure action on individual accounts according to State and regulatory guidelines.
Exposure to working with the Senior Vice President, Loss Mitigation, Legal and Collections Department and other organizations to document foreclosure proceedings while advising customers of the possibility of payment arrangements.
Materialized payoff, reinstatements, and proof of amount due, complaint files certifications, risk assessments and bankruptcy reports for the OCC.
Weekly and monthly account status reports including Crystal and Pacer reports.
Administered bankruptcy timelines and workflow processes on loans in bankruptcy in accordance with established work rules, goals & objectives.
Additionally, weekly reports for exceptions, discrepancies and, as appropriate, approved re-projections and issues raised by the attorneys.
Specializing in making recommendations to better the policy and procedures, credit lending and controls and inspections of whole loan servicing portfolio as necessary, while working closely with Senior VP and assigned attorney(s) to ensure all appropriate actions were taken.
Under the direction of Senior VP, advanced foreclosure approval to litigation attorneys to pursue legal action.

Senior Asset Recovery SpecialistApr 2011 to Aug 2011
United Nations Federal Credit Union － City , STATE

Senior level specialist that managed a portfolio of global delinquent accounts including; Auto loans, Credit Card loans, HELOC, PLOC, Student Loans and Personal loans servicing specializing in a large volume of global mortgage loans as the main focus.
Analyzed and prepared reports on delinquent mortgage loans, referring foreclosurecases to the litigation attorneys to dispose of collateral on assets located in the US, in compliance with internal policies and procedures.
Credit analysis and credit exposure limiting risk bearing decision making, which improved collections efforts.
Workouts that included: NPV ratios, currency conversion, due diligence, debt counseling, loan modifications, short sales, some risk analysis, and foreclosure prevention, resulting in salvaging hundreds of accounts from foreclosure.
Reviewed BPO's, appraisals and market analysis during modification, short sale and deed in lieu of foreclosure including international accounts, in an effort to determine collateral value and offer financial solutions.
Focused around underwriting department guidelines to identify and mitigate possible potential risks during loan originations while making suggestions to improve loan approval guidelines.

Global Credit and Collections SpecialistOct 2007 to Apr 2011
Transperfect Translations International － City , STATE

Recognized for being the Assistant to the Director of Credit and Collections, working directly for the COO and CFO exposed to strong business to business services fostering client relationship management with elite clients in USA, Europe and Latin America.
Administered a Portfolio of $60MM while cultivating strong relationship management and client contact regarding overdue receivables, including; determining client payment cycle, foreign currency exchange, establishing payment plans, providing historical billing data, and streamlining the monthly invoicing procedures for accounting reporting accuracy.
Streamlined and billed large receivables monthly and at year end to provide senior management and sales account managers with status reports on aged receivables.
Leveraged meetings and conference calls when necessary to resolve disputes and establish client's payment plan, which resulted in salvaging hundreds of thousands of dollars on a monthly basis.
Recognized for working directly with the Director of Credit and Collections regarding clients credit granting decisions by reviewing clients financial capabilities and risks involved to determine increase or decrease of credit lines.

Education

Master of Science, Finance2014Manhattanville College － City, State, WestchesterFinance

MBA, Financial Services2009Metropolitan College of NY － City, State, ManhattanFinancial Services

Bachelor of Arts, World Religions and Cultural Studies2004University of South Florida － City, State, Hillsborough

Mortgage Broker Liscensed 2007Kambuck Mortgage School － City, State, Hillsborough

Professional Affiliations

Sigma Beta Delta Honorary Society

National Society of Hispanic MBA's

Languages

Bilingual/Spanish

Skills

Organizational Skills, Problem Solving Skills, Analytical Skills, Staff Training Skills

Resume Overview

School Attended

Manhattanville College
Metropolitan College of NY
University of South Florida
Kambuck Mortgage School

Job Titles Held:

Loan Portfolio Manager
Portfolio Manager
Senior Asset Recovery Specialist
Global Credit and Collections Specialist

Degrees

Master of Science , Finance 2014
MBA , Financial Services 2009
Bachelor of Arts , World Religions and Cultural Studies 2004
Mortgage Broker Liscensed 2007

Loan Portfolio Manager Resume Example

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