Owner Resume Example
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OWNER
Summary
Amiable loan officer and underwriter with experience developing constructive and cooperative working relationships with others. Expert at SBA and Commercial Loan evaluating, authorizing and approving loan applications for individuals and businesses. Solid team player when diligently following through on team expectations. Multilingual and fluent in English and Korean, offering solid comprehension of cultural diversity.
Skills
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Experience
10/2020 - Current
Kroger － Shreveport , LAOwner
02/2018 - 09/2020
First IC Bank － City , STATESBA and Commercial Loan Underwriter
- Analyze credit data to determine the risk in extending credit.
- Make decisions to approve or deny the extension of credit within a set authority established by senior management and state/federal laws.
- Maintain an environment that facilitates compliance.
- Ensure branch office cooperation with other departments to maximize efficiency within the company.
- Assist borrowers with loan application process and inform them of loan requirements, terms, rates, and matters affecting the granting of loans
- Gather and develop information to process loan applications, such as financial statements and tax returns, and make recommendations
- Assisting borrowers consumer loan request such as CD secured line of credit, credit card, and automobile loan
- Analyze financial information and prepare reports
- Compile loan files, write credit memorandums, and present loans to the Loan Committee for approval
- Prepare loan documentation
- Review completed loan files for accuracy, compliance, and completion
- Track loan progress, collateral filings, filings of deed of trust, current financial information, and other loan agreement requirements
- Maintain and develop relationships with loan referral sources such as accountants, real state brokers, attorneys and other professionals
- Assist with special projects, as may be required, for the development or enhancement of the small business lending program
- Uphold and adhere to the official loan policy as set forth by the Board of Directors
- Make recommendations regarding loan type (conventional commercial, SBA 7(a),or other), credit structure and assessing collateral quality and values. Examine loan request for SBA eligibility testing if applicable
- Perform other related duties as needed or assigned, commensurate with level of responsibility and experience
- Audit and assemble clients' loan files including data entry and spreading tax returns and financial statements in order to complete global cash flow analysis and loan underwriting to determine financial stability
- Gathers all relevant credit and financial information from borrowers on an ongoing basis as required by policy or on an as-needed basis.
- Monitors insurance on collateral to clear exceptions on expired policies.
- Performs Annual Reviews of existing loans in accordance with established policies and procedures for review and approval by Chief Credit Officer.
- Support customer applying Economic Injury Disaster Loans and Paycheck Protection Program and forgiveness application
- Support Mortgage Loan Department to maximize Loan Production by collecting out of states real estate agents' contact and creating flyers in regards of Loan Program
08/2017 - 01/2018
NuWave LLC － City , STATEAssistant Manager of Accounting
- Preparing financial documents such as invoices, bills, accounts payable, account receivable, and aging report
- Supporting purchase orders
- Managing payroll
- Completing financial reports on a regular basis and providing information to the Accounting Department Manager
- Assisting with budgets and inventory forcast
- Completing bank reconciliations
- Entering financial information into appropriate software programs
- Managing company ledgers
- Processing business expenses
- Verifying balances in account books and rectifying discrepancies
- Managing day-to-day transactions
- Recording office expenditures and ensuring these expenses are within the set budget
- Assisting the accounting department manager and CEO with various tasks, including preparing budgets, records, and statements
- Reporting on debtors and creditors
- Handling debt collection with collection company
- Managing monthly budgeting tasks
- Encoding accounting entries for data processing
- Sorting financial documents and posting them to the proper accounts
- Reviewing computer reports for accuracy and meticulously tracing errors back to their source
- Resolving errors in financial reports and correcting faulty reporting methods
Education and Training
05/2017
Southern Illinois University CarbondaleCity, StateBachelor of Science: Accounting
- Specialized in Forensic Accounting
- Illinois CPA Society Member, August 2015 - May 2017
- Minority in computing Member, January 2015 – December 2015
- Korean Student Association Member, Spring 2013 – May 2017
- College of Business Scholarship Recipient, Fall 2015 – May 2017
05/2017
Southern Illinois University CarbondaleCityBachelor of Science: Finance
- Specialized in financial management and management of financial institutions
- Association for Financial Professionals Member, January 2015 - May 2017
- Minority in computing Member, January 2015 – December 2015
- Korean Student Association Member, Spring 2013 – May 2017
- College of Business Scholarship Recipient, Spring 2014 – May 2017
- NADA GRAMMATICOFF Scholarship Recipient, April 2016
- Completed Multicultural Work-force Diversity Training, April 2015
Activities and Honors
- Animal Humane Society Volunteer, January 2015 - Present
- The International Cat Association Member, October 2020 - Present
Webinar
- 02.16.2018 / Latest Responses and Updates On The SBA Notice SOP 50 10 5(J) and State of Franchise Lending
- 02.21.2018 / The U.S. Small Business Administration (SBA) Standard Operating Procedure (SOP) 50 10 5(J)
- 03.22.2018 / Understanding SBA's Change of Ownership Requirements
- 04.03.2018 / SPECIAL: SBA Environmental Procedures
- 04.10.2018 / Selling SBA Loans on the Secondary Market
- 04.24.2018 / SBA's 504 Loan Program
- 04.26.2018 / PARRiS REVIEW
- 05.15.2018 / GETTING YOUR GUARANTY HONORED
- 05.22.2018 / Understanding How to Complete SBA Forms 1919 and 1920
- 06.05.2018 / THE SYSTEM FOR AWARDS MANAGEMENT (SAM)
- 06.07.2018 / BEST PRACTICES
- 06.12.2018 / CREDIT ALERT VERIFICATION REPORTING SYSTEM (CAIVRS)
- 06.13.2018 / PARRiS Overview
- 06.20.2018 / Common Findings in Oversight Reviews
- 06.26.2018 / Understanding SBA's Equity Injection Requirements
- 07.19.2018 / GETTING YOUR GUARANTY HONORED
- 08.9.2018 / Common Servicing Actions That *Don't* Involve Collateral
- 08.23.2018 / Common Servicing Actions That *Involve Collateral*
- 09.25.2018 / Lender Service Provider Agreements
- 09.25.2018 / Advanced Business Valuation
- 09.25.2018 / Credit Elsewhere
- 10.16.2018 / SBA Form 159 and Lender Match
- 10.23.2018 / 7a Lenders Connect Call – Learn about changes and updates to the 7a program
- 11.27.2018 / Understanding EPC/OC Loan Structure & Eligibility
- 12.6.2018 / Writing Internal Policies to Reflect SBA Requirements
- 12.13.2018 / Determining Eligibility in Complex Tiered Ownership Structures
- 2.7.2019 / Preparing a Complete 7(a) Loan Application
- 2.12.2019 / SBA 7(a) Workouts
- 2.21.2019 / Using the 2018 Wizard to Write Authorizations
- 2.22.2019 / Explore the Changes in SOP 50 10 5(K)
- 3.5.2019 / The 7(a) Application Process
- 3.7.2019 / Ask the Lawyer – How to Document an Obligor
- 3.12.2019 / Intro to SBA Lending - Part I
- 3.13.2019 / E-Tran
- 3.19.2019 / Intro to SBA Lending - Part II
- 3.21.2019 / Intro to SBA Lending - Part III
- 3.21.2019 / Equity Injection – What is Required?
- 3.26.2019 / Advanced Business Valuation: The Hard Stuff
- 4.8.2019 / Evolution of an SBA Loan Default
- 4.18.2019 /SBA Export Express Loan Program
- 4.23.2019 /Lender Match (for Lenders Only)
- 4.25.2019 /Getting Your Guaranty Honored
- 4.30.2019 /Litigation and Fees
- 6.20.2019 / Writing the Credit Memo for 7(a) Small Loans
- 7.11.2019 / Meeting and Documenting SBA's Insurance Requirements
- 7.18.2019 / Understanding SBA Forms 159 and 1050
- 9.10.2019 / What to know about construction documentation
- 10.10.2019 / What a Lender Needs for Construction Title Documentation
- 2.4.2020 / Top 10 Mistakes and How to Avoid Them
- 2.21.2020 / Understanding SBA's Interim Final Rule: Affiliation ... and More
- 3.3.2020 / Common 7(a) Servicing Issues
- 3.10.2020 / 7(a) Workouts
- 4.2.2020 / Summary of Treasury & SBA's Policy Guidance on the CARES ACT
- 4.3.2020 / Summary of Treasury & SBA's Policy Guidance on the CARES ACT
- 4.17.2020 / PPP Update + Review of PPP Guidance in Interim Final Rules & Treasury FAQ
- 5.6.2020 / Current Issues in SBA Lending - Part I
- 5.6.2020 / Credit Underwriting in Difficult Times
- 5.6.2020 / Managing Deferred Loans and Workouts
- 5.6.2020 / Special Legal Issues Arising During These Unprecedented Times
- 5.11.2020 / Advanced SOP 50 10 Training
- 5.18.2020 / Virtual Training: SBA Loan Servicing and Liquidation
- 5.27.2020 / New PPP Guidance on Loan Forgiveness and SBA's Loan Review Procedures
- 7.28.2020 / PPP Loan Forgiveness and Loan Reviews – Part II
- 7.30.2020 / Flood Rules for Commercial Real Estate
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Resume Overview
School Attended
- Southern Illinois University Carbondale
Job Titles Held:
- Owner
- SBA and Commercial Loan Underwriter
- Assistant Manager of Accounting
Degrees
- Bachelor of Science : Accounting
Bachelor of Science : Finance
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