Experience

Tobacco Cabana

• United States
• Tobacco Manufacturing
• 1 - 100 Employee

• Business Owner

  • Jul 2017 - Present

  Cedar Hill, Texas Retail shop specializing in premium cigars, pipes and pipe tobacco. The shop has the only private member lounge with 24 hour access in the area with 55 members. In one year and a half, increased the cigar lines we carry from 250 to 500 facings, including mainstream cigar brands and boutique brands. Increased the pipe tobacco blends from 80 to 100. We now carry a full line of accessories including humidors, ashtrays, travel cases, handmade nubbers, lighters and cutters. Texas's only… Show more Retail shop specializing in premium cigars, pipes and pipe tobacco. The shop has the only private member lounge with 24 hour access in the area with 55 members. In one year and a half, increased the cigar lines we carry from 250 to 500 facings, including mainstream cigar brands and boutique brands. Increased the pipe tobacco blends from 80 to 100. We now carry a full line of accessories including humidors, ashtrays, travel cases, handmade nubbers, lighters and cutters. Texas's only distributor of Kirsten Pipes but we also carry 100 different briar pipes including Dunhill, Savinelli and Briar Works. Show less



Legacy Texas Bank

• United States
• Banking

• Mortgage Warehouse Sr. Funder and Sr. Collateral Expert, Mortgage Operations

  • Aug 2014 - Jun 2017

  Plano, Texas Train and coach Relationship Specialists in operational services which includes funding requests, collateral handling, client inquiries, escalations, quality standards, mortgage processing and loan documentation Authorized Signor on Release of Security Interest Forms and pool confirmations Designated team communicator utilizing excellent verbal communication skills to present a professional team image Provide staff training regarding mortgage operations, product knowledge,… Show more Train and coach Relationship Specialists in operational services which includes funding requests, collateral handling, client inquiries, escalations, quality standards, mortgage processing and loan documentation Authorized Signor on Release of Security Interest Forms and pool confirmations Designated team communicator utilizing excellent verbal communication skills to present a professional team image Provide staff training regarding mortgage operations, product knowledge, updated policies and procedures and regulatory compliance Perform review and authorization of funding and purchase requests for Warehouse Lending clients and Team members operating in a deadline driven, fast-paced environment Provide customer support as the point of contact for “High Touch” clients (inquiries, research, exception approvals, note discrepancies and loan documentation) Handle client and staff requests for user unlocks and password resets. Perform approved system edit overrides and escalations by staff Communicate with Relationship Manager and Operations Manager on client issues and workflow Conduct new client training Perform daily review and timely authorization of funding requests for assigned clients Monitor the Portfolio Basic Status Report to ensure collateral is received timely Perform Daily Audits for Returned/Reinstated Notes for quality control purposes Assist Wire and Accounting Departments with OFAC requests, returned wires, and additional wires Managed Collateral team and Funding team alternately to provide a depth of experience within the department Show less



Pacific Union Financial, LLC

• United States
• Financial Services
• 200 - 300 Employee

• QC Funding Specialist, Finance Department

  • Mar 2013 - Apr 2014

  Irving, Texas Performed multiple duties as a part of a small team in a fast-paced environment with tight deadlines. Responsible for preparing and reporting the daily Aging Report to C-Level Management. This report required interacting with all channels; Retail, Corresponded, Wholesale and Capital Markets to minimize aging of loans on the warehouse lines of credit. • Managing this report and policing the various departments responsible drove the negative cash outlay of the company from over $3… Show more Performed multiple duties as a part of a small team in a fast-paced environment with tight deadlines. Responsible for preparing and reporting the daily Aging Report to C-Level Management. This report required interacting with all channels; Retail, Corresponded, Wholesale and Capital Markets to minimize aging of loans on the warehouse lines of credit. • Managing this report and policing the various departments responsible drove the negative cash outlay of the company from over $3 million, in April 2013, to below $300,000 at the end of April 2014 Selected warehouse bank to be used based upon outstanding balances and rates on warehouse lines of credit Review funding worksheets for accuracy then submitted wire request to the selected bank for funding Performed daily funding/settlement of loans, requested wires, provided Bailee letters to the investors, prepared End of Day audit packages and reviewed all Warehouse loans in the MERS system Submitted daily Data File to Deutsche Bank, the collateral custodian Responsible for monitoring warehouse bank access at three banks, including setting up new users, password resets and granting rights to current users Performed the Texas Capital Bank Quality Control monthly review. Show less



BBVA Compass (Acquired Guaranty Bank in 2009)

• Commercial Loan Closer/Funder III - ARMS, Special Assets

  • Aug 2008 - Mar 2013

  Dallas, Texas Responsible for servicing and funding both performing and non-performing loans of a $9.5 billion portfolio of Guaranty's remaining loans and diverse transactions Administered Lease Loans, Energy Loans, Home Builder Loans, Commercial Real Estate, Residential Real Estate, Asset Based Loans, SBA loans, secured and unsecured loans, lines of credit, letters of credit, participations/syndications Processed construction draws, ensuring that all documentation was up to date and… Show more Responsible for servicing and funding both performing and non-performing loans of a $9.5 billion portfolio of Guaranty's remaining loans and diverse transactions Administered Lease Loans, Energy Loans, Home Builder Loans, Commercial Real Estate, Residential Real Estate, Asset Based Loans, SBA loans, secured and unsecured loans, lines of credit, letters of credit, participations/syndications Processed construction draws, ensuring that all documentation was up to date and accurate. Managed advance and paydown process. Reviewed loan agreements, notes, and security instruments and calculated financial loan covenants and borrowing bases to ensure that all requirements of the agreements are met Cleared loan exceptions by obtaining and verifying financial records and other information Booked loans on AFS, ALS, RE systems after determining proper loan system codes and ensuring that all stipulations are met Show less



Guaranty Bank

• United States
• Banking
• 1 - 100 Employee

• Operations Officer, National Residential Finance Support (Mortgage Warehouse)

  • Jan 2002 - Aug 2008

  Dallas, TX Directed mortgage warehouse department servicing 16 collateral and 19 syndicated customers handling $1 billion in outstanding loan balances. Managed a team of 13 professionals. Increased team productivity by 30% through process improvement Traveled to customer sites and met with customers regularly to address issues and obtain information about their needs Trained customers to use system thereby increasing efficiency Trained, developed and motivated employees… Show more Directed mortgage warehouse department servicing 16 collateral and 19 syndicated customers handling $1 billion in outstanding loan balances. Managed a team of 13 professionals. Increased team productivity by 30% through process improvement Traveled to customer sites and met with customers regularly to address issues and obtain information about their needs Trained customers to use system thereby increasing efficiency Trained, developed and motivated employees, monitored and reviewed performance, prepared and delivered performance appraisals, focused on establishing expertise and professional growth, and documented and executed disciplinary action as necessary Monitored daily mortgage warehouse workflows and ensured that contractual agreements, policies and procedures were followed to meet regulatory compliance requirements Streamlined activities by reviewing and analyzing work processes. Recommended and implemented appropriate policy changes Created custom reports that provided detail of employee workflows and improved analysis of productivity leading to process improvements. Ensured cross-training between employees to meet all customer needs Met with FDIC and internal auditors and provided documentation as requested for audits. Participated on the committee that reviewed audit results and all cited issues Worked with 3rd party software vendors on testing new functions and releases for lending systems

• National Residential Financial Support, Loan Administrator (Mortgage Warehouse)

  • Jan 2001 - Jan 2002

  Dallas, Texas Managed Mortgage Warehouse and Homebuilder syndicated and participated facilities Posted and reconciled all funds received and distributed to ensure that all parties are in balance where we operated as the lead bank Reviewed daily exception reports for loan document tracking, loan balances, monetary account balances and wire exceptions to ensure resolution of issues within established timeframes Reviewed loan documents, as well as, funding packages for accuracy and… Show more Managed Mortgage Warehouse and Homebuilder syndicated and participated facilities Posted and reconciled all funds received and distributed to ensure that all parties are in balance where we operated as the lead bank Reviewed daily exception reports for loan document tracking, loan balances, monetary account balances and wire exceptions to ensure resolution of issues within established timeframes Reviewed loan documents, as well as, funding packages for accuracy and completeness before initial setup on the systems Documented and proved ways to increase efficiencies, including developing borrowing base worksheet and interest calculation spreadsheet that provided each administrator with an extra hour per day Performed initial loan set up and daily maintenance on all loan systems; rate options, borrowing base adjustments, adjusting loan limits and syndicate/participant information

• Account Analysis Specialist, Treasury Management Department

  • Jan 2000 - Jan 2001

  Dallas, Texas Responsible for billing Treasury Management customers for services. Created and monitored management reports to track sales data. Identified issues and resolved problems, ensuring the accuracy of customer billing.

• Loan Administrator - Mortgage Warehouse Department

  • Jun 1997 - Jan 2000

  Dallas, Texas Provided customer service to collateral and syndicated customers



Neighborhood Credit Union

• United States
• Banking
• 100 - 200 Employee

• VP Lending

  • 1988 - 1997

  Dallas, TX Responsible for all consumer lending functions for a $100 million credit union. Created an environment of superior customer service by changing the way customers were seen by loan officers resulting in wait times being reduced by half Created and conducted loan promotions and sales events for Enterprise Car Sales and Christmas Cash with 30% YOY increases in outstanding loan balances Conducted Senior Loan Committee meetings and presented cases for approval when over Loan… Show more Responsible for all consumer lending functions for a $100 million credit union. Created an environment of superior customer service by changing the way customers were seen by loan officers resulting in wait times being reduced by half Created and conducted loan promotions and sales events for Enterprise Car Sales and Christmas Cash with 30% YOY increases in outstanding loan balances Conducted Senior Loan Committee meetings and presented cases for approval when over Loan Committee approval limits For each of 4 years, oversaw and received fully regulatory compliant annual audit reports from NCUA Enforced bank policy and procedures and ensured regulatory compliance with standards Hired, trained and mentored employees. Determined performance objectives and monitored progress, ensuring achievement of business objectives and minimizing company loss Show less