Experience

First Internet Bank

• United States
• Banking
• 200 - 300 Employee

• SBA Loan Closing Team Lead

  • Aug 2021 - Present

• Senior SBA Loan Closer

  • Jul 2020 - Aug 2021



Byline Bank

• United States
• Financial Services
• 700 & Above Employee

• SBA Pre-Close Loan Reviewer

  • Nov 2017 - Jul 2020

  • Effective communication – providing accurate, regular updates to construction loan administrators on status of review process. Open communication with loan closers, general contractors and, when necessary, loan clients.• Loan compliance proficiency – reviews SBA, USDA, and commercial loan transactions, and all due diligence documents associated with those loans for accuracy completed in accordance with SBA SOP and Bank Policy and Procedures.• Documentation review – review commercial title documents, background searches, UCC’s, corporate documentation, insurance coverages and flood zone certificates to ensure compliance.• Review third party environmental reports, cost analysis on construction projects, and construction contracts clearing exceptions when and as needed. Review equity injections to remain within compliance of SBA SOP. Show less

• SBA Senior Loan Closer

  • May 2017 - Oct 2017



Q2 Business Capital

• United States
• Banking
• 1 - 100 Employee

• Assistant Vice President - Closing Operations

  • Nov 2016 - May 2017

  Effective communication – providing accurate, regular update to clients, lenders and management to ensure timely movement of the loan through the closing process. • Loan compliance proficiency - reviews loan approvals and commitment letters to prepare a checklist of items needed to close the loan and work directly with the Borrower to obtain the necessary items. Review SBA Loan Authorization for completeness and consistency with loan approval. Audit loan file for completeness and to determine that all bank requirements and guidelines have been met. • Documentation review ensuring compliance with loan approval and Bank and SBA policies and procedures ensuring consistency and resolving any open items. Review executed loan documents for completeness and ensure appropriate collateralization and lien perfection. • Review all third party vendor documentation such as appraisals, environmental reports, UCC and lien searches, flood certificates, and tax return transcripts, clearing exceptions when and as needed. Order and review preliminary title insurance, clearing exceptions when and as needed. Show less



Ridgestone Bank

• Banking
• 1 - 100 Employee

• SBA Loan Closer

  • Mar 2015 - Nov 2016

  • Effective communication – providing accurate, regular update to clients, lenders and management to ensure timely movement of the loan through the closing process. • Loan compliance proficiency - reviews loan approvals and commitment letters to prepare a checklist of items needed to close the loan and work directly with the Borrower to obtain the necessary items. Review SBA Loan Authorization for completeness and consistency with loan approval. Audit loan file for completeness and to determine that all bank requirements and guidelines have been met. • Documentation review ensuring compliance with loan approval and Bank and SBA policies and procedures ensuring consistency and resolving any open items. Review executed loan documents for completeness and ensure appropriate collateralization and lien perfection. • Order and review all third party vendor documentation such as appraisals, environmental reports, UCC and lien searches, flood certificates, and tax return transcripts, clearing exceptions when and as needed. Order and review preliminary title insurance, clearing exceptions when and as needed. Show less



Bridgeview Bank Group

• United States
• Financial Services
• 1 - 100 Employee

• SBA Loan Closer

  • Feb 2014 - Jan 2015

  •Effective communication - serving as liaison for the SBA Division supporting Lenders, Attorneys, and outside vendors to ensure timely movement of the loan through the closing process. Interact with SBA 7(a) and 504 loan Borrowers to gather data and manage expectations. •Loan compliance proficiency - reviews loan approvals and commitment letters to prepare a checklist of items needed to close the loan and work directly with the Borrower to obtain the necessary items. Review SBA Loan Authorization for completeness and consistency with loan approval. •Strong regulatory knowledge - maintain working knowledge of regulatory compliance laws that impact loan requirements while adhering to all bank procedures and internal policies as well as SBA guidelines. •Documentation review ensuring compliance with loan approval and Bank and SBA policies and procedures ensuring consistency and resolving any open items. Review executed loan documents for completeness and ensure appropriate collateralization and lien perfection. •Order and review all third party vendor documentation such as appraisals, environmental reports, UCC and lien searches, flood certificates, and tax return transcripts, clearing exceptions when and as needed. Order and review preliminary title insurance, clearing exceptions when and as needed. Show less



AztecAmerica Bank

• Portfolio Manager/Collection Officer

  • Feb 2012 - Jan 2014

  •Effective portfolio oversight - manage an assigned $14+ million loan portfolio consisting of consumer and small to middle market commercial and industrial loan customers with concentration in residential and commercial real estate. •Loan portfolio risk manager - monitor portfolio performance identifying and communicating significant exposures to risk, breakdown in controls and concerns with corporate governance. •Vendor management - develop and maintain a strong working relationship with the Bank's legal counsel on all foreclosure matters. •Loan Committee Presentations - present customer requests to the Bank's Officer and Executive Loan Committees. •Loan compliance proficiency - ensures adherence to sound lending practices and compliance with current credit guidelines. •Strong regulatory knowledge - maintained a current and clear understanding of corporate policies and regulatory requirements including the Fair Debt & Collections Act. •Effective loss mitigation - adherence to collection policies and procedures with effective follow-up on past due accounts. •Credit risk mitigation - spread customer financial information for review by the Credit Department. •Excellent cross-area communication - foster open communication with Loan Officers, various levels of management, Bank Examiners and Loan Review. •Documentation preparation and review utilizing LaserPro software while ensuring proper lien perfection. •Prepare quarterly Bank Watch List Report for Senior Management and the Board of Directors. •Actively involved in the Bank's Problem Loan and Asset Liability Committees (ALCO). Show less



JPMorgan Chase & Co.

• United States
• Financial Services
• 700 & Above Employee

• Individual Solutions Team Lead/Active Litigation/Inbound Loyalty Services

  • Jun 2008 - Feb 2012

  •Created essential policies and procedures - for the new Individual Solutions Team area. •Problem-solving and decision-making skills - analyze and address all customer service associate questions to bring forth a resolution. •Record high customer satisfaction rankings - handling card member escalation calls addressing questions and resolving concerns. •Effective loss mitigation - adherence to collection policies and procedures with effective follow-up on past due accounts. •Maintained a 92-96% "promise kept rate - managing customer payment plans and settlements. •Locate break-downs in processes with recommended solutions to management. •Strong regulatory knowledge - maintained a current and clear understanding of corporate policies and regulatory requirements including the Fair Debt & Collections Act. Show less



West Suburban Currency Exchanges

• United States
• Investment Banking
• 1 - 100 Employee

• Short Term Loan Supervisor

  • Dec 2004 - Mar 2008

  •Effective Team Leader - lead a team of six consumer loan underwriters providing service to 63 branches locations. •Strong Lending Skills - personal installment and auto loans. •Loan compliance proficiency - ensures adherence to sound lending practices and compliance with company policy. •Streamlined delivery of credit decisions to field - ensuring the timely review of new customer applications and communication of credit decisions. •Sensitive to front-line producers and clients - providing prompt turnaround and decision-making to loan customers. •Effective loss mitigation - adherence to collection policies and procedures with effective follow-up on past due accounts. Show less



University of Phoenix

• United States
• Higher Education
• 700 & Above Employee

• Enrollment Counselor

  • Sep 2004 - Dec 2004

  •Increased enrollment - addressing educational inquiries and providing guidance throughout the enrollment process. •Educational enrichment - providing information to assist students in reaching optimum educational goals. •Increased enrollment - addressing educational inquiries and providing guidance throughout the enrollment process. •Educational enrichment - providing information to assist students in reaching optimum educational goals.

• Short Term Loan Supervisor

  • Mar 1998 - Sep 2004

  •Effective Team Leader - lead a team of six consumer loan underwriters providing service to 63 branches locations. •Strong Lending Skills - personal installment and auto loans. •Loan compliance proficiency - ensures adherence to sound lending practices and compliance with company policy. •Streamlined delivery of credit decisions to field - ensuring the timely review of new customer applications and communication of credit decisions. •Sensitive to front-line producers and clients - providing prompt turnaround and decision-making to loan customers. •Effective loss mitigation - adherence to collection policies and procedures with effective follow-up on past due accounts. Show less



First U.S.A.

• Wholesale Import and Export
• 1 - 100 Employee

• Underwriter (HELOC)

  • Feb 1997 - Mar 1998

  •Streamlined delivery of credit decisions to field - ensuring the timely review of new customer applications and communication of credit decisions. •Loan compliance proficiency - ensures adherence to sound lending practices and compliance with company policy. •Problem-solving and decision-making skills - customer focused commitment to service and satisfaction. •Prepare loan documentation using Laser Pro software. •Manage vender performance - coordinate all loan closings with attorneys and title companies and manage compliance with loan terms and conditions. Show less