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Click here or scroll down to respond to this candidateCandidate's Name
Street Address
T: PHONE NUMBER AVAILABLE C: PHONE NUMBER AVAILABLE
EMAIL AVAILABLE
Objective
With over 20 years of experience within the Commercial Banking Industries, I am seeking for a position that would enhance my professional career and the firm that I tend to join. The Firm will appreciate my hard work and provide me an opportunity for growth with-in the firm. Dynamic and Engaging Bilingual (English/Hindi/Gujarati) professional with experience in customer service, sales and management.
Experience
New Millennium Bank, New Brunswick, NJ August 2015 Present
Vice President & Loan Collection Officer
Responsible and administers complex credit relationships, which includes the decision making to liquidate collateral to offset the losses.
Monitors delinquencies and evaluates problem loans. Analyzes benefits of restructuring versus pursuing legal collection action. Along with the team lenders assigned, provides recommendations as a loan restructuring, implementing legal collection action, or referral of the loan legal for further collection. Estimates financial impact to the Bank and take action to preserve the SBA guaranty.
Assisted with general loan portfolio monitoring including customer service with internal and external. Assist with monitors Commercial/SBA/HELOC loans.
Maintain a current knowledge of local and national economic, financial political and legislative trends including SBA information notices, especially 7(a) loan policy changes.
Deal with attorneys in foreclosure, bankruptcy and any pending litigation matters.
Develops new business by contacting potential customers and following up on leads. Cross sells Bank products and services. Assists in the preparation of monthly, quarterly and annual reports to track loan originations.
COLUMBIA BANK, Fairlawn, NJ February 2012 July 2015
AVP SBA Lender
Maintains performing commercial/SBA loans. Interacts with customers to maintain and enhance business relationships. Works with a team of commercial lenders with regard to SBA portfolio maintenance activities including extending loan maturities in Bank and SBA E-Tran systems, interest rate modifications and ensuring that loan files are documented properly.
Provides loan and SBA loan documentation quality control for the team of lenders assigned. Assists in the resolution of loan and SBA loan documentation exceptions so that files are fully prepared for loan review as well as internal and SBA audit.
Interview loan applicants primarily for existing relationships and secondarily for new customers. In conjunction with the Credit Department, analyzes financial and related data for SBA eligibility, credit worthiness and merits of loan requests.
Assists in the preparation of the monthly SBA 1502 Reports. Monitors commercial/SBA loan maturities and loan documentation exceptions.
Assisted with general loan portfolio monitoring including customer service with internal or external.
Prepared write-ups for all SBA workout loans reach out to SBA and collect the guaranty portion for the Bank.
Work with SBA and the Bank attorney in collection process.
TD BANK, Flemington, NJ March 1999- Feb 2012
AVP - SBA Portfolio Loan Officer
Prepared write-up for all SBA workout loans.
Analyzed company financials and personal credit reports.
Present workout deals to Borrower and Bank committee for approval.
Work with the Bank s attorney on litigation preceding or foreclosure procedure.
Work with commercial lenders to achieve lender s sales goals and assist them with analyzing financial statements; reviewing credit reports and business credit report for new deals, as well as existing deals.
Request closing documents from the documentation department and/or attorneys; Coordinate the booking of new loans and modifications, as well as participate entering information into the loan input systems.
Education
Anthem Institute of Technology, Parsippany, NJ
Diploma in June 2014. Computer Networking and Security, Completed Hardware
& Software classes. GPA 4.0
Fairleigh Dickinson University, Madison, NJ
Major: Finance and Minor: Accounting. Current.
Bhavan s College, Mumbai, India
Bachelors of Business Administration
Major: Finance and Minor: Accounting.
Professional Commercial Lending Training, 2006
NAAGL 1502 Reporting 2000.
Relevant Skills
Customer service, Excellent People Skills, Problem-Solver, able to Multi-task, Works well under pressure with in a team or independently, Self-Awareness and Resilience, Financial Analyst & finally Patience with others. Strong background in finance and accounting. Proficient in MS office software and other Banking software. |
