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Xxxxxx, XXXXXX xxxxxx ￨ (xxx-xxx-xxxx ￨ firstname.lastname@example.org
Specializations in Commercial Loan Operations, Credit / Loan Review & Portfolio Management
Solutions-Generating Executive who makes sound decisions to reflect positively on financial initiatives in alignment with a client or company s goals. Top Performer who offers a proven record of attaining a competitive advantage via solutions-centric critical thinking for insightful, change-driven results. Visionary Professional who rises above business challenges to maximize the bottom line and achieve winning outcomes, including quickly adapting to evolving scenarios, as well as independently resolving in-depth issues with a focus on budgets and cost containment. Excellent Communicator who develops team-centric relationships with cross-geographical decision-makers and staff, and who leads by example and with ethics and integrity within rigorous financial markets.
Continually mitigating risk while improving bottom-line results.
Boosting efficiency via streamlined policies, processes, and procedures.
Excelling within fast-paced autonomous and / or collaborative work situations.
Promoting enriched team building / coaching to meet or exceed business objectives.
Enhancing the customer experience via proven communication and interpersonal relations skills.
Project ￨ Program Management Senior Consultant
Capitalize on the opportunity to research and analyze high-volume data by accessing various systems of records to remediate data gaps as a specialist working in WCR (Wholesale Credit Risk) and ECR (Enterprise Credit Risk). Expertly analyze credit procedures and loan documentation, and use SQL queries to remediate LRECs in CORE (Charge Off and Recovery System of Record) and lifecycle linkage within a banking or financial institution.
Serve as SME to research loan systems and banking platforms and address risk mitigation initiatives.
Assistant Vice President ￨ SAG Portfolio Administrative Manager (2014 2015)
Strategically steered a top-performing team of 10 Portfolio Administrators responsible for supporting two client teams in the Commercial Special Assets group, including directing all facets of loan documentation processing, payment processing, and research requests. Comprehensively administered performance metrics and productivity encompassing loan modification, restructures, bankruptcy, and portfolio strategy decisions. Managed year-end 1099 C-Debt Forgiveness, quality control, and bankruptcy filing documentation processes, and handled mid- and year-end performance appraisals and salary increase recommendations.
Spearheaded risk mitigation strategies to ensure privacy.
Actively partnered with business units to resolve client risk / issues.
Led the department s regulatory compliance and due diligence checks.
Trained, mentored, and coached teams to foster a synergistic work environment.
Identified gaps and streamlined policies and procedures related to SAG credit and loan guidelines.
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Page Two ￨ (xxx-xxx-xxxx ￨ email@example.com
Workflow Coordinator ￨ Credit Analyst Support Special Assets Group (2008 2014)
Utilized broad scope of industry knowledge toward directing processes to ensure business line loans complied with SAG platform guidelines. Coordinated and led loan transition into the department, including tracking and ensuring accurate documentation for each new / existing loan (i.e. SBA-government guaranteed loans for Farm Service loans, construction loans). Processed monthly charge-offs and debt cancellations, along with reporting quarterly totals for each LOB leveraging financial accounting and auditing processes.
Drafted initial credit assessments for incoming clients during on-boarding processes.
Successfully managed proactive recovery and debt collection practices on default loans.
Restructured / reviewed OCC-regulated real estate secured loans to assess outstanding exceptions.
Developed a quarterly strategy exposure report for a client with $2.5+ million in commercial credit.
Research Analyst (1996 2008)
Played a vital role in researching and resolving cash ticket exceptions and non-cash items while actively coaching tellers to meet R.O.E calls requirements. Examined all incoming and outgoing items processed by proof operating and outgoing banks (i.e. Federal Reserve Bank). Delivered prompt assistance to branches to clean up aged items.
Accurately balanced and audited internal department general ledger accounts.
Minimized customer impact via timely issues resolution to ensure seamless banking.
Master of Business Administration
Bachelor of Arts in Liberal Arts
Professional Training / Development
Hoshin ￨ Six Sigma ￨ Kaizen
Microsoft Office ￨ CWS Loan System ￨ ACBS Loan Systems Global Monitoring System ￨ CROSS
FDES ￨ ERCIS ￨ Moody s Financial System Document Direct Application ￨ IDS AFS ALS ￨ CRMS ￨ CIBR ￨ OCE
ImageView ￨ Boss ￨ Fast ￨ GUS ￨ Practice Solutions ￨ Premier ￨ TOAD ￨ LOAN IQ ￨ STUCKY ￨ General Ledger ￨ 10-Key
Board of Trustees
Contributed sharp analytical abilities toward accurately balancing the church s operational budget, along with handling internal auditing and accounting on a monthly basis for all expenses and / or income collected. Directed and led staff and leadership meetings concerning the ongoing financial and operational health of the church.
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