Experience

KeyBank National Association

• United States
• Banking
• 1 - 100 Employee

• Assistant Vice President - Senior Closing Officer

  • Oct 2016 - Present

  Senior Closing Officer - Community Development & Lending Senior Closing Officer - Community Development & Lending



Huntington National Bank

• United States
• Banking
• 700 & Above Employee

• CRE Loan Closing Specialist

  • Jul 2014 - Oct 2016

  Responsible for initiating and driving the loan closing process, coordinating the activities, decisions, and communications amongst the CRE deal team with the customer, outside counsel, and third parties. Responsible for the integrity of loan closings, due diligence, documentation, compliance, loan booking, and closing files for CRE customers and loans. Including: review and sign closing documents, ensure the loan structure and terms conform to credit approval and bank policies, and requirements to close are in place, identify and appropriately mitigate exceptions. Reviews and approves attorney-prepared and borrower-submitted legal documents, and other items needed to satisfy closing conditions such as title commitments, third-party contracts, project budget / sources and uses of funds, verification of owner’s equity, flood determinations, property insurance, etc. Prepares escrow instructions and closing statements to properly reflect priority of lien and record transaction fees and expenses. May attend closings with customers and outside counsel, signs documents, and authorizes closings as officer representing Huntington. May represent bank group on syndicated or arranged transactions in which Huntington is Lead Bank /Administrative Agent or Documentation Agent – on loans typically greater than $30 million. Responsible for documenting and timely clearing post-closing items and collateral exceptions; manages closing checklist, certifications, and closing files according to business segment standards. Responsible for proactive identification of potential risks and adverse situations that may impact the bank’s interest.



First Federal Lakewood

• United States
• Banking
• 100 - 200 Employee

• Commercial Loan Closer - Administrator

  • Jul 2012 - Jul 2014

  Process, close and administer CRE & C&I loans. Ensure appropriate approvals are obtained in order to process due diligence and start title work. Compare legal descriptions to surveys and review title commitments for accuracy to insure clear title. Ensure all loans, title and purchase agreement conditions have been met. Prepare and balance settlement statements and wire forms, which include wire transfers and disburse checks to customers. Review appraisals and phase I reports. Verify that all special conditions are satisfied prior to closing as approved by the Loan Committee or Board of Directors. Ensure all of the information in the loan documents corresponds to the terms of the loan underwriting approval. Board the loan into the loan servicing system. Work with outside counsel to negotiate loan documents. Prepare loan modifications documents for renewals and other amendments to the loan. Attend loan committee meetings prior to loan approval to converse loan approval details.



JPMorgan Chase Bank

• Senior Mortgage Retail Loan Closer

  • Sep 2010 - Jul 2012

  Prepare closing documents, receive incoming loan titles, perform loan data entry, and send out applicable disclosures. Ensure all closing documents are issued timely and accurately. Work hand in hand with Title Company to ensure closings are smooth and easy. Review incoming HUD-1 documents for compliance with program guidelines. Ensure Title Companies adhere to Chase policies and procedures. Handle and resolve all post-closing loan issues. Achieve and maintain all departmental cycle time, service, and volume standards.



Ohio Savings Bank

• Senior Commercial Construction Loan Closer

  • Oct 2004 - Dec 2008

  Works under general supervision and is responsible for due diligence investigations that occur prior to closing a real estate loan transaction. Evaluates the loan transaction and the underwriting assumptions. Ensures consistency and conformity with loan approval and loan closing protocols. Essential Functions: Reviews that the information contained in each item of credit, borrower and collateral property due diligence is consistent with the loan envisioned by the underwriter. Ensures that information contained in the loan file does not negatively impact the ability of the borrower to perform its loan obligations. Determines that the due diligence conforms to the requirements specified in the origination documents including the loan approval and the Bank's lending policies. Evaluates contents of the loan documents, the condition of title to the property and the organizational documents of the borrowing entities. Communicates the Bank's policies to the borrowers and the Bank's outside counsel, with respect to legal and underwriting issues. Acts as an intermediary between management and outside counsel. Monitors the activities and coordinates efforts of outside attorneys representing the Bank in commercial loan transactions including new loans, modifications of existing credits and distressed loans. Authorizes the final closing and funding of major credit facilities. Issue new letters of credit and maintain existing credits on file.

• Assistant Manager

  • Jun 2004 - Oct 2004

  Works under the loan servicing department with emphasis on homeowners and private mortgage insurance. Daily duties consisted of generating reports for our loan servicing system to ensure data accuracy was maintained. Worked with several outside insurance vendors regarding compliance with hazard, flood, and private mortgage insurance. Delegated and monitored daily work assignments to staff. Administered personnel performance reviews and conducted training sessions for new employees.

• Loan Servicing Supervisor

  • Nov 2003 - Jun 2004

  Promotion to supervise a staff of 15 employees for the escrow set up department. Coordinated daily work flow and monitored daily goal projections to meet monthly loan sales. Audited loan files and reviewed daily compliance reports to ensure data accuracy was maintained. Administered personnel performance reviews and conducted training sessions for new employees.

• Mortgage Banking Specialist

  • Aug 2001 - Nov 2003

  Audit files to ensure Bank and Investor requirements are met and that all required loan documentation is accurate and properly executed. Ensure data accuracy of loan origination system. Identify and resolve file deficiencies in a timely and effective manner by working with Correspondents, PTC Consultants and other appropriate sources.



Citifinancial

• Assistant Manager

  • Sep 1999 - Aug 2001

  Responsible for selling personal loans, mortgage loans, and different types of insurance products. Analyzed financial and credit worthiness for loan approval. Other major duties consisted of collections, loan workout situations, closing loans, cash processing and handling insurance claims. Responsible for selling personal loans, mortgage loans, and different types of insurance products. Analyzed financial and credit worthiness for loan approval. Other major duties consisted of collections, loan workout situations, closing loans, cash processing and handling insurance claims.