Experience

Third Coast Bank, SSB

• United States
• Banking
• 100 - 200 Employee

• Commercial Loan boarding and servicing specialist

  • Oct 2021 - Present

  Booked loans on the Bank’s core system including commercial, consumer, and constructions loans. Completed miscellaneous system file maintenance and loan servicing tasks within quality standards. Processed loan payments, loan advances, and wires. Processed system maintenance requests, review completed work from other team members, and monitor quality control reports. Balanced general ledger accounts used by loan services. Interacted with internal and external clients while providing extraordinary service. Represented the Bank and Loan Services team in a highly professional manner. Completed job assignments in a professional, timely and efficient manner; organize and prioritize work. Maintained confidentiality; adhere to Third Coast Bank SSB policies and procedures; comply with laws, regulations, and industry best practices. Show less



Woodforest National Bank

• United States
• Banking
• 700 & Above Employee

• Commercial Banking Quality Assurance Analyst

  • Aug 2019 - Nov 2021

  Quality control of a diverse and complex commercial loan portfolio of complex bi-lateral relationships, participations/syndications, and SNC’s. Perform comprehensive pre- and post-closing credit reviews to verify new commercial loans, modifications and/or renewals are properly completed, closed, and documented in accordance with the Bank’s policy and state and federal laws and regulations. Review and audit closed loan to ensure proper security/collateral perfection such as mortgages, UCC, title and possessory. Maintain records including a quality assurance checklist and document. Identified and compared approved loan covenants to the loan documents, to confirm accuracy and consistency. Ensure covenants are entered into tracking system for follow-up testing and compliances. Reviewed and ensured accurate commercial real estate loan to value (LTV) calculation and report on loans with LTV in excess of regulatory guidelines. Verified commercial loans are properly set up on the institution’s loan system, including appropriate ticklers and report coding. Reported findings to the commercial loan origination staff and management primarily through documented checklists and tracking lists and for follow-up and trend analysis. Assisted commercial loan origination staff to resolve findings in a timely and make recommendations to minimize re-occurrence of findings. Any commercial loan related task as needed and other duties that may be assigned. Ensured personnel have the requisite skills necessary to adequately perform their duties based on the results of Quality Assurance Reviews by assisting in the development of training curriculum for personnel and recommending additional training where needed. Contributed to the training and development program for the Commercial Banking staff, prepare content and coordinate delivery of training for new material, as well as continuing growth and development needs. Systems used ACBS and nCINO Show less



Zions Bancorporation

• United States
• Banking
• 700 & Above Employee

• Commercial Banking Specialty Loan Services

  • Jul 2017 - Aug 2019

  Worked directly with the loan Syndication Group, lending teams, participant banks and clients on the company’s agented transaction. Functioned as a liaison for day-to-day operations of the Agency Service Group to ensure timelines and quality in all aspects of agented transactions. Assisted with pre-closing, closing and post-closing support of agented transactions. Worked clients internal and external clients through the closing process and functions as the intermediator between the clients and participants. Handled transactions, renew pricing contracts and process through agency system. Continuously work with Loan Syndication group to evaluate the Agency Service Group tasks and function to promote customer service to internal bank partners, external bank partners and clients. Resolved problem and issues with team members to accomplish established objective. Strong knowledge of excel. Created accrual calculation from inception and performed other duties as assigned. Show less



Bank of the West

• Banking
• 1 - 100 Employee

• Commercial Banking Loan Specialist

  • Sep 2014 - Apr 2017

  Responsible for daily operational commercial loan funding, boarding as well as documentation activities. Acts as the operational expert and address operational issues to ensure they are resolved in an efficient and cost-effective manner. AFS system knowledge. Collateral, Monetary and Non-Monetary maintenance, flood insurance requirements, Wire Transfer, Promissory Note, Disbursement, preferred rate, ACH, GL Balancing, Quality Control. Commercial credit cards, TSYS and FD system knowledge. Responsible for daily operational commercial loan funding, boarding as well as documentation activities. Acts as the operational expert and address operational issues to ensure they are resolved in an efficient and cost-effective manner. AFS system knowledge. Collateral, Monetary and Non-Monetary maintenance, flood insurance requirements, Wire Transfer, Promissory Note, Disbursement, preferred rate, ACH, GL Balancing, Quality Control. Commercial credit cards, TSYS and FD system knowledge.



ACE Cash Express

• United States
• Financial Services
• 700 & Above Employee

• Center Manager

  • Jun 2012 - Mar 2013

  Accountable for the operational excellence and efficiency of the center which includes achieving standards set by the District Manager, ensuring the quality of service and Branch financial objectives are met. • Developed and coached all the center employees. Provided revenue projections for the center and able to meet goals accordingly. • Worked closely with the entire management team to ensure the highest level of support on going and anticipate problems with staffing and equipment deficiencies. • Identified opportunities for improvement and managed the process of innovative change effectively. Show less



HSBC Private Bank

• Financial Services
• 1 - 100 Employee

• Private Client Service & Bank Officer

  • Sep 2006 - Jun 2011

  Worked closely with Relationship Managers in managing portfolio of Private Banking Account Relationships as well as technical and operational support of all member delivery channels including all banking departments. Identified customer needs and selling appropriate services according to department policies and external regulations. Assisted in marketing a full range of Banking and Finance products to customers. Provided quality service in meeting customer needs. Maintained internal control standards which include timely implementation of internal and external audit points and ensure compliance with rules and regulations set by regulatory agencies and department. • Maintained contacts with existing customers and referral sources and an on going basis to identify new and additional marketing opportunities Build positive and productive relationships with all clients. Analyze and resolved service issues promptly • Ensuring products are properly tested and implement new online products and services. Monitored cost and expenditures. • Monitored daily risk management goals and ensured all risk reports are handled properly. Working knowledge of Wire Transfer, Online Banking, New Accounts, Commercial loan, Residential Loan, Personal Loan, Bankruptcy and Account Management, Customer Service. Working knowledge of Notary Public, Live Scan Fingerprint Roller, Anti Money Laundering (AML) knowledge, Bank Secrecy Act (BSA) knowledge. Show less



Union Bank

• United States
• Banking
• 1 - 100 Employee

• Private Bank and Wire Service Associate

  • Jan 2000 - Sep 2006

  Developed and executed an effective business development plan through intermediaries, colleagues and existing client base. Built and managed solid client relationship, communicated with other bank department personnel to effectively resolve any client issues. Working knowledge of Wire Transfer and Database, Online Banking, New Accounts, Commercial loan, Residential Loan, Personal Loan, Bankruptcy and Account Management and Swift Management. • Maintained contacts with existing customers and referral sources and an ongoing basis to identify new and additional marketing opportunities. Built positive and productive relationships with all clients. Analyze and resolved service issues promptly. • Ensuring products are properly tested and implement new online products and services. Monitored cost and expenditures. • Monitored daily risk management goals and ensured all risk reports are handled properly. Working knowledge of Wire Transfer, Online Banking, New Accounts, Commercial loan, Residential Loan, Personal Loan, Bankruptcy and Account Management, Customer Service. Show less