Experience

Unity National Bank

• United States
• Financial Services
• 1 - 100 Employee

• Loan Operations Manager

  • Nov 2022 - Present

  Managing Loan Operations Department to ensure accurate and timely servicing and closing of all loans in compliance with laws, regulations and bank policies; ensure department runs smoothly and efficiently; provide a high level of customer relations and service. • Supervise work of the department including determine work priorities, schedule work assignments, review work of assigned personnel and provide training on new applications, rules and procedures.• Monitor daily loan payment postings, payment research and customer inquiries.• Analyze and resolve customer questions, complaints, or problems requiring experience or knowledge beyond other staff’s authority.• Prepare ORE and Policy Exception reports to the Board.• Maintain loan servicing report for participations• Support and perform closer duties.• Log and review pipeline spreadsheet daily to keep loan status up to date. Show less

• Senior Loan Closer

  • Aug 2015 - Present

  Loan validation of all aspects of loan closing and funding to assure all terms and conditions are met in accordance to credit terms and all other in-house or regulatory compliance standards. • Thoroughly review loan packages received, follow up exceptions with lending officers to close loan timely and in compliance.• Log pipeline spreadsheet daily to keep loan status up to date.• Order flood search, real estate appraisal, title commitment and survey.• Order nothing further search, prepare UCC search and UCC filing if necessary to perfect bank's security interest.• Order loan documents from legal counsel or prepare documents in-house using Barclays loan platform. • Attend bi-weekly Microsoft Team pipeline meeting with managements, lending officers, loan assistants, to track loan status and resolve issues.• Ensure a correct and complete loan package to management for closing approval.• Coordinate smooth and timely closing among loan officer, escrow officer, attorney and customer.• Review executed closing documents, fund and board loans timely into the system.• Post booking review and cross-check with coworkers to ensure accuracy of data input.• Track and clear exceptions with pertinent documents to improve doc tracking exception percentage and be sure to have a complete loan file.• Image loan document after the whole loan package is completed.• Assist loan payments, advance, pay down, payoff and account maintenance.• Set up escrow projection; prepare escrow disbursement and analysis report.• Prepare monthly reports (Number of new and renew loans report, Policy Exception report) to the Board. Show less



NewFirst National Bank

• United States
• Banking
• 1 - 100 Employee

• Loan Operations Specialist

  • Jun 2014 - Dec 2014

  • Performed post quality reviews on all booked loans to ensure data integrity. • Imaged and indexed loan files. • Created new UCC filings and continuations on loan collateral to insure bank’s lien position as stated within the credit approval. • Established loan ticklers to monitor documentation pertaining to collateral, financials, taxes, insurance and pending documentations related to perfecting the bank’s security interest. • Processed account maintenance and clear exceptions as instructed. Show less



East West Bank

• United States
• Banking
• 700 & Above Employee

• Loan Servicing Specialist II

  • Sep 1998 - May 2014

  East West Bank is formerly Metro Bank, Houston • Booked loans within specified departmental guidelines. • Accurately balanced general ledger of non-accrual loans daily which significantly reduced month end adjustments. • Followed up with loan officers, loan closers, escrow officers to clear exception documents. • Thoroughly reviewed documents, updated exception ticklers timely and had improved audit result. • Monitored insurance with respect to the required coverage adhering to bank policies. • Contacted insurance agent for past due policy and fixed information wherever was necessary • Prepared monthly force place insurance report and balance general ledger. • Reviewed closing packages thoroughly and timely to assure proper insurance had been collected. • Monitored and sent out force place hazard insurance notice, 45 days flood notice. Force placed insurance on time and in compliance which had made remarkable improvement in insurance and flood audit. Bookkeeping Department – Account Services • Corrected daily non-post report to ensure data integrity. • Properly handled stop payment orders • Verified high dollar checks carefully to protect the bank from losses. Corporate – Lobby & Vault Teller • Performed excellent customer service • Handled transactions accurately and always maintained cash drawer in balance. Show less