Experience

America's First Federal Credit Union

• United States
• Banking
• 1 - 100 Employee

• HELOC Lending Specialist II

  • Oct 2022 - Present

  Birmingham, Alabama, United States Working with clients to prepare applications for loans by compiling, arranging, and reviewing all relevant documents. Determining the feasibility of granting loans and communicating with management if required. processing advances and disbursements, as well as preparing pay off letters. Working closely with loan officers to obtain credit information, coordinate closings, calculate closing costs, and disperse funds for clients. Ensuring loans are processed as per established company procedures… Show more Working with clients to prepare applications for loans by compiling, arranging, and reviewing all relevant documents. Determining the feasibility of granting loans and communicating with management if required. processing advances and disbursements, as well as preparing pay off letters. Working closely with loan officers to obtain credit information, coordinate closings, calculate closing costs, and disperse funds for clients. Ensuring loans are processed as per established company procedures and policies. Aiding in maintaining various credit files and following up on client inquiries. Assisting administrative staff with periodic audits. Authorizing and underwriting loans, reviewing and verifying loan applications and supporting documentation. Analyzing loan risk and requesting additional information as necessary. Preparing reports on assessment findings. Making loan eligibility decisions and approving or rejecting applications. Reviewing and specifying loan conditions as necessary. Ensuring compliance with regulatory standards. Ensuring compliance with company policies and guidelines. Documenting and effectively communicating reasons for the approval/rejection of loans. Show less



U.S. Small Business Administration

• United States
• Government Administration
• 700 & Above Employee

• Loan Specialist

  • Aug 2020 - Sep 2022

  Ft. Worth, Texas Process business loan applications and make recommendations on collateral needed to secure loans. Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Review 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. Ensure loan files… Show more Process business loan applications and make recommendations on collateral needed to secure loans. Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans. Review 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. Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions. Process loan applications on web-based computer system, and review for possible fraudulent activities. Respond orally and/or in writing to applicants or their representatives. Show less



Highlight

• United States
• IT Services and IT Consulting
• 100 - 200 Employee

• Loan Specialist

  • May 2020 - Aug 2020

  Performs a variety of tasks depending upon the division to which the individual is assigned including processing, origination, servicing, guaranty purchasing and/or liquidating; but the majority of the time (not less than 60%) is spent on loans which are considered to be more "complex" or problematic because of specific conditions or of their nature. Reviews assigned loan file to become acquainted with the characteristic requirements, collateral, and terms of the loan. Reviews and analyzes… Show more Performs a variety of tasks depending upon the division to which the individual is assigned including processing, origination, servicing, guaranty purchasing and/or liquidating; but the majority of the time (not less than 60%) is spent on loans which are considered to be more "complex" or problematic because of specific conditions or of their nature. Reviews assigned loan file to become acquainted with the characteristic requirements, collateral, and terms of the loan. Reviews and analyzes requests from direct borrowers or requests from participant lenders in relation to servicing, liquidating or purchasing loans depending upon the division to which the incumbent is assigned. Independently determines what data is needed in order to analyze/evaluate the request. Analyzes these requests in terms of financial condition of the borrowers and their effect and implication they have on the interest of SBA if they are approved. Analyzes financial statements (using cash flow projections and ratio analysis) as necessary to detect trends in the financial condition of the business and to initiate appropriate corrective actions. Provides extensive servicing, purchasing or liquidation of the more complex delinquent loans or potentially delinquent loans. Analyzes the underlying problems and causes of the delinquency and develops the solutions to protect the interest of the Agency and the survival of the small business. Conducts research necessary to assist lenders in answering inquiries regarding recently submitted actions or inquires. Utilize various software programs to perform daily tasks including Microsoft Word, Excel, Access, and Outlook. Performs other loan processing, servicing, purchasing, liquidation, or other transaction activities as needed to support the office operation. Show less



Cadence Bank

• United States
• Banking
• 700 & Above Employee

• Lending Support Specialist II

  • Sep 2018 - May 2020

  Birmingham, Alabama This position will be responsible to create/review and deliver accurate loan documentation packages in a timely manner for consumer and moderately-complex commercial loans while ensuring that the final package correctly incorporates the terms of the credit approval document, as well as regulatory and internal credit and policy standards. Analyze consumer and up to moderately complex non-real estate and real estate commercial requests (including new money deals, renewals, modifications and… Show more This position will be responsible to create/review and deliver accurate loan documentation packages in a timely manner for consumer and moderately-complex commercial loans while ensuring that the final package correctly incorporates the terms of the credit approval document, as well as regulatory and internal credit and policy standards. Analyze consumer and up to moderately complex non-real estate and real estate commercial requests (including new money deals, renewals, modifications and extensions) to validate appropriate lending authority, covenants, terms and conditions are in accordance with credit policy guidelines, procedures and regulatory requirements. Assign appropriate loan codes applicable to customer, loan type, purpose, collateral, etc. Perform due diligence required for the creation of loan documentation, such as a detailed review of entity documentation, UCC's searches, title reviews, appraisals, etc., Ensure that all exceptions are addressed at, or prior to loan closing, and any waivers or deviations from policy are properly documented. while working with Lending teams to resolve issues/contingencies prior to loan closings. Show less



Regions Bank

• United States
• Banking
• 700 & Above Employee

• Business Paralender

  • Nov 2017 - Sep 2018

  Hoover, Alabama Drafts and reviews loan documentation ranging from simple to high volume or high complexity for commercial purpose loans in a multi-state environment. Understands the risks associated with closing various types of commercial loans by determing the level of due diligence required based on loan policy. Review the title, environmental and appraisal to identify all issues and determine appropriate resolution, review flood determination and flood insurance to ensure full compliance with federal… Show more Drafts and reviews loan documentation ranging from simple to high volume or high complexity for commercial purpose loans in a multi-state environment. Understands the risks associated with closing various types of commercial loans by determing the level of due diligence required based on loan policy. Review the title, environmental and appraisal to identify all issues and determine appropriate resolution, review flood determination and flood insurance to ensure full compliance with federal regulations, verify hazard/wind insurance, account information and collateral value, prepare loan documents according to underwriter’s approval and ensure loan is closed within full compliance of bank and federal guidelines. Demonstrates knowledge of commercial credit, regulatory (including BSA/AML, Beneficial Ownership, OFAC, Flood Regulations) and documentation policy. Communicates frequently with business partners throughout the closing process. Complies with departmental performance level metrics, any document deficiencies created by the Paralender will be monitored and the Paralender will be responsible for the correction process. Specific performance goals (production, error rate and turn time) to be met monthly. Must be able to maintain a professional relationship with numerous outside vendors, while striving to obtain the most efficient services for our customers Show less



State Farm

• United States
• Insurance
• 700 & Above Employee

• Payment Plan Specialist

  • Oct 2013 - Nov 2017

  Birmingham, Alabama Area Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations. Negotiate subrogation recoveries with carriers, responsible parties, and other legal representatives. Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options. Maintain diary systems to manage files in a timely manner; documenting key activities in a clear and concise manner. Manage… Show more Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations. Negotiate subrogation recoveries with carriers, responsible parties, and other legal representatives. Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options. Maintain diary systems to manage files in a timely manner; documenting key activities in a clear and concise manner. Manage expenses on assigned files to assure cost effective resolution, including legal expenses on litigated files. May be called upon to handle other duties as required

• Subrogation Claim Associate

  • Oct 2013 - Nov 2017

  Birmingham, Alabama Area Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations. Negotiate subrogation recoveries with carriers, responsible parties, and other legal representatives. Determines appropriate benefit and settles basic claims, including resolution of basic usual and customary billings. Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options… Show more Evaluate liability and damages to assess subrogation potential including consideration of jurisdiction regulations. Negotiate subrogation recoveries with carriers, responsible parties, and other legal representatives. Determines appropriate benefit and settles basic claims, including resolution of basic usual and customary billings. Update appropriate parties as needed, providing new information as it becomes available and an analysis of the impact on the liability and recovery options. Maintain diary systems to manage files in a timely manner; documenting key activities in a clear and concisemanner, Generate and send appropriate forms to insured/claimant for completion. Manage expenses on assigned files to assure cost effective resolution, including legal expenses on litigated files. May be called upon to handle other duties as required. Contact or receive contact from customers or other claim related third parties to obtain and/or provide necessary file information to comply with quality and process standards. Make and maintains a connection with the customer by understanding and meeting their needs; serves the customer with empathy; and follows up to ensure that customer needs have been met . Monitors treatment and benefit payments for excessive, unreasonable, or abusive claims