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Click here or scroll down to respond to this candidateSUMMARY OF EXPERIENCE AND QUALIFICATIONWilling to work (hybrid) or Remote.Senior Commercial Loan Analyst with experience in day-to-day loan transactional processing which may include booking cash transactions and making payments, performing loan reconciliations, inputting general ledger entries and (complex) calculations.Prepared and reviewed Candidate's Name activities, such as requirements analysis, business process modelling, and the creation of use cases, business rules, techniques. Excel, spreadsheets, Word, PowerPoint.Worked as a Syndicated Loan Closer to include; credit agreements, new facility onboarding, loan servicing, Fedwire payments, general ledger reconciliation, trading via assignment, revolving credit facilities, term loan facilities, etc.Syndicated and Commercial lending operations at Bank of America as the lead bank and with other various banking Institutions that partnered with Bank of America in the loan Syndication. Assisted commercial syndicate loan ranging from one million dollar to one-Billion-dollar credit facilities and money wire transfers and tracking.Ensured loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusion. Held responsible for loan production, underwriting, and loan servicing and monitoring of U.S Small Business Administration (SBA) Guaranteed Loans. Also, FDIC Asset Management experience., EBAMf (bank account management system) and SWIFTAssisted the SBA Manager in meeting production goals, a good understanding of the S.O.P., Candidate's Name and presenting loan requests in accordance with internal policies and procedures. Reviewed loans within assigned limits and managing loan and portfolio credit quality.CORE COMPETENCIESPrivate banking loans clientsLoan Servicing with CoreLogic & PACER - HAMP/MHA GuidelinesFEMA Inspector - Flood Ins. - Home & property estimatingSBA Loan Analyst - PPP, EDIL & RestaurantFDIC Operation, Investigations, Asset Management, Sales, RepudiationsEmpower-Unifi-Calyx-LPS-Pivot TablesFiserv-Velocity JIRA & AgileCommercial Loan IQ Loan Trade & ClosingsCommercial & Residential C&W, U/WLoan Servicing and RESPA & Loan Compliance AuditorMoney Wire Transaction Tracking - FedwireComplete Banking's annual BSA/AML/OFAC training 2018 Bank of the WestLoan Compliance - Audits- Due Diligence ReviewsLexisNexis-Black Knight Encompass 360Sanctions - AML Anti Money Laundering SAR-OFAC- Credit AnalysisSecondary Sales, Collateral, Ticklers. Pivot Tables, V-Lookups, and Advanced Microsoft Office SuiteFi Serv- Small Bank Software Upgrade- VISO, SQL, Queries & Data Mapping,Senior Business Analysis & Issue Validation AnalystCURRENT EXPERIENCECommercial Banking Software Loan IQ Experis, Charlotte, NC40 hours per week 03/2023 to 05/2023Commercial Loan IQ & RE Loans Banking Cushman &Wakefield/ Bank of America, Charlotte, NC 70 hours worked per week 02/2017 to 09/2017Contribution:Involved in providing day-to-day loan transactional processing which may include booking cash transactions and making payments, performing loan reconciliations, inputting general ledger entries and (complex) calculations.Managed to prepared and reviewed loan documentation while providing support to a variety of tasks related to the loan process.Used Fedwire to track transactions between the bank & Syndication participants.Performed commercial business auditing activities, such as requirements analysis, business process modelling, and the creation of use cases, business rules, techniques.Commercial Syndicate loan ranging from 1MM dollar to 1-Billion-dollar Credit Facilities and money wire transfers and tracking.Communication with the participants regarding their payments.Performed business analysis activities, such as requirements analysis, business process of creating a customer, Create Bilateral and Syndicated Deals, Service Deals, Create Secondary Trades, Understand Portfolio Management, Use Collateral, Use Document Tracking, Amendments, Document Tracking.Ad Hoc Queries, setting up a Simple Sole Lender Deal and Facility, Servicing Loans SBLCs, setting up a Host Bank Agented Syndicated Deal, Servicing a Syndicated Deals.Secondary Sales, Collateral, Ticklers. Pivot Tables, V-Lookups, and Advanced Microsoft Office Suite.SBA ASSIGNMENTSSenior Commercial Loan Specialist Small Business Administration60 hours worked per week Milpitas Ca 12/2021 to 06/2022 & 11/2022 to 02/2023Loan Officer Small Business Administration, Sacramento, CA60 hours worked per week 11/2018 to 12/2018Loan Officer Small Business Administration, Sacramento, CA60 hours worked per week 12/2017 to 03/2018Contribution:Determined PPP, EDIL & Restaurant revitalization loans. Made recommendations on business income, payroll cost that must account at least calculate 60% of the loan cost; need 2 years business tax returns & the employee payroll. Collateral needed to secure the loans and processed the loan applications on a web-based computer system (i.e., DCMS)Applied accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.Reviewed all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.Ensured loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusion.Approved loans within credit authority and in accordance with MSPBNA credit policy and credit culture.Proactively manage assigned pipeline.FEMA ASSIGNMENTSFEMA Inspector Vanguard, San Juan, PR60 hours worked per week 09/2022 to 11/2022FEMA Inspector Vanguard, Orlando, FL60 hours worked per week 09/2017 to 11/2017Contribution:Communicated and coordinated with other staff involved in the program delivery process forApplicants performing accurate quantification and detailed description of disaster related damage,Estimating costs to repair or replace personal property;Estimating quantity of materials and costs for constructing and repairing homes and businesses; AND auto damages & debris removal.Estimating costs to repair or replace machinery, equipment, and inventory.Taken representative photographs that depict damage claims.Completed sketches of sites to supplement photographs and capture profile and cross-sectional perspectives writings a detailedDamaged description and obtaining the applicant representatives agreement that all disaster-relatedDamaged is described and quantified correctly and delivering the completed site inspection information to Site Inspector Task Force Leader.UNDERWRITER ASSIGNMENTSUnderwriter (Contract/Remote) Charles Schwab, Henderson, NV40 hours worked per week 04/2020 to 06/2020QC Auditor Private Bank Adecco/Wells Fargo-Wealth-Management Concord, CA45 hours worked per week 04/2008 to 09/2008Commercial Credit Officer Wholesale Adecco\Bank of America Concord, CA60 hours worked per week 07/2007 to 12/2007Contribution:Responsible for credit decisions on customers loan request that fall outside standard credit policies or guidelines. Approved all new Commercial Loan Brokers.Adherence to second look decline loan review process, with focus on request from low-moderate income applicants.Approve, counteroffer, decline or offer alternative lending products when appropriate.Document all pertinent underwriting information and correspondences into the automated lending system, Problem Solving/Analysis.Evaluate and render loan decisions on consumer loan requests, handling mostly undefined credit issues.Adherence to Bank Credit Policy, and that loan decisions are safe and sound. Suggest revisions to credit products, policy, process, and underwriting as results of loan reviews.Influence Responsibilities/ Level of Interaction; Participate in due diligence teams. Interface with primary vendors on risk-related matters for loan exception underwriting.Worked with primary vendors to obtain consistent 24 hour or less turn times. Business Impact and Scope; hold delegated lending authority assigned to Bank personnel & utilize abilities to impact credit quality of portfolio.Identify risk issues and recommend changes to the process or policy.SANCTIONS ASSIGNMENTS - EDD - AMLSanctions Analyst (Remote) MBO Partners, Nashville, TN40 hours worked per week 05/2019 to 10/2019Sanctions / AML-BSA/ Sanctions Analyst Collabera Inc., San Ramon, CA40 hours worked per week 03/2018 to 05/2018Contribution:Communicate regulatory information to multiple departments and ensure that information is interpreted correctly.Maintain documentation of compliance activities, such as complaints received or investigation outcomes.Risk Mitigation: Investigating and reporting suspicious activity such as fraud cases associated with the bank and its departments. Analyzed CDD/EDD documentation, including legal documentation.File appropriate compliance reports with regulatory agencies. Conduct the internal investigation of compliance issues. Identify compliance issues that require follow-up or investigation.Report violations of compliance or regulatory standards to duly authorized enforcement agencies as appropriate or required. Conduct periodic internal reviews or audits to ensure that compliance procedures are followed. Verify that all firm and regulatory policies and procedures have been documented, implemented & communicated. Discuss emerging compliance issues with management or employees.Keep informed regarding pending industry changes, trends, and best practices and assess the potential impact of these changes on organizational processes.Advise internal management or business partners on the implementation or operation of compliance programs.Consult with corporate attorneys as necessary to address difficult legal compliance issues. Monitor compliance systems to ensure their effectiveness. Conduct forensic financial investigations for TILA\RESPA-TRID- Compliance- AML -BSA Anti Money Laundering- SARs, USA PATRIOT Act, Money Laundering Crimes.IT ASSIGNMENTSIssue Validation Analyst Robert Half, Chicago, IL40 hours worked per week 09/2018 to 10/2018Senior Business Analysis - Velocity Banking Software Fi-Serv Velocity Ampcus, Lake Mary, FL60 hours worked per week 06/2016 to 11/2016Contribution:Validated resolution plans to ensure they adequately address the root cause of identified issues found in the business lines and evaluate whether corrective actions are sustainable. Conduct a detailed review of evidence to support the closure and remediation of issues.Performed detailed re-tests to support issues has been effectively implemented and the related risk exposure has been reduced. Data Mapping for software upgrade project & used Jira & Agile, VISO, SQL, Queries VLOOKUPs Advance Excel.Conducted credible challenge and provide Senior Management with value added feedback to verify issues have been appropriately resolved.Processed Improvement: Development and implementation of compliance-related policies & procedures including Fraud investigations.Identify trends, including repeat issues and inadequate corrective actions taken by business line. Used Excel, spreadsheets, Word, PowerPoint. Pivot Tables.Performed periodic re-testing to verify the adequacy of business unit and testing team remediation.l, spreadsheets.Performed business analysis activities, using "Velocity" that requiremented indelph analysis of business process modeling, and the creation of use cases, business rules, glossaries, diagrams, user interface, and responsibility specifications using Rational Unified Process (RUP) technique.Collaborated with stakeholders (internal and external clients), and leads requirements-elicitation workshops, evaluating feasibility and negotiating priorities.Determined whether requirements can be reused or adapted.Consulted in the creation of other project artifacts as noted by Fiserv's RUP Development Case.Reviewed test cases, release literature, and user documentation.May conduct internal and external presentations to demonstrate executable software.May develop material and conduct internal functional release training.Participated in performing causal analysis and recommending best course of action for continual improvement.COMPLIANCE ASSIGNMENTSCompliance Loan Auditor Teliant, Dallas, TX40 hours worked per week 05/2018 to 06/2018Compliance Loan Auditor (Radiant- PMI) Clayton Group, Tampa, FL50 hours worked per week 05/2016 to 06/2016Compliance Loan Auditor Berkshire Group/ Deloitte/ Cognitive Options, Dallas, TX40 hours worked per week 03/2016 to 04/2016Compliance Loan Auditor FIS/Green Key, Maitland FL50 hours worked per week 11/2015 to 02/2016Compliance Loan Auditor US Bank Mortgage Default Specialist, Irvine, CA40 hours worked per week 03/2014 to 09/2014Compliance Loan Auditor / FHFA lawsuit Bank of America, Westlake village, CA60 hours worked per week 04/2013 to 08/2013FHFA Assignment - Compliance Loan Auditor / FHFA lawsuit Edge/ Freddie Mac, Anaheim, CA40 hours worked per week 01/2013 to 04/2013FDIC ASSIGNMENTSAsset Professional/Mortgage Pipeline Auditor Doral Bank PR Warbirds, San Juan Puerto Rico70 hours worked per week 03/2015 to 08/2015Contribution:Held responsible for structuring, auditing and presenting loan requests in accordance with internal policies and procedures.Reviewed loans within assigned limits and managing loan and portfolio credit quality.Oversaw and ensured accuracy and performance of loan administration and processes, such as receipt of applications, from prospective applicants, completeness of loan packages and timely processing, funding, and closing of committed loans. Loan Investigation & Lease Repudiations.Reviewed loan requests thoroughly and present recommendations for approval or denial of requests in format consistent with bank policy and regulatory guidelines and reviewing all loan servicing and RESPA document for accuracy and completeness. TILA\RESPA- Compliance- AML -BSA Anti Money Laundering Crimes. Asset Sales of REO Properties.Demonstrated follow-up skills and completeness of work by monitoring loans booked to maintain compliance with loan agreement and bank policy. Excel, spreadsheets, Word, PowerPoint.Completed review of loan requests in a timely and thorough manner.Completed reviews of direct report and credit analysis.Assisted compiling and analyzing market research data to develop or increase the competitiveness of current product and service offerings.Compliance Loan Auditor Multi Family-(Commercial) Thompson, Cobb \ FDIC Dallas, TX55 hours worked per week 02/2011 to 05/2011Commercial Loan Auditor Waterstone-Asset-Management-Commercial/FDIC-CRE Cincinnati, OH50 hours worked 10/2010 to 10/2010Asset Professional- (Commercial-Leases Repudiations) RSM McGladrey, LLC\FDIC Cleveland, OH70 hours worked per week 12/2009 to 08/2010Asset Professional Deloitte/FDIC (Commercial-Leases Repudiations) Ventura Beach, CA50 hours worked per week 08/2009 to 09/2009Investigation Lead (Commercial) Quantum/FDIC Henderson, NV70 hours worked per week 02/2009 to 03/2009Asset Professional FDIC-(Commercial) Mir, Mitchell \ FDIC Houston, TX70 hours worked per week 11/2008 to 02/2009EDUCATIONLoan Origination & Loan Officer Training State of TexasTraining: DE Underwriting TrainingNorth Lake College Commercial Underwriting, SingleFamily Underwriting and World Savings Underwriting TrainingCertifications: SMU Network EngineerCertifications: North Lake College Mortgage Banking InternCertification: Capstone Compliance Loan AuditorFHA Credit AnalysisREFERENCESDanny Dawkins, Wells Fargo, Manager, 925-427-7308Dori Whiting, Small Business Administration, Manager, 916-735-1500Kelsey Rogers Cushman Wakefield PHONE NUMBER AVAILABLESharon Taulman Project Manager WardsBirds/FDIC 214-906-0559Beverly Waukesha SBA EMAIL AVAILABLE PHONE NUMBER AVAILABLE/pre> |
