• Dynamic Leader who offers a background in Commercial / Industrial Loan Documentation, Loan Review, Collections, Strategic Analysis / Interpretation, Payment Processing, SLAs, SOPs, Due Diligence, and Policy / Procedure Compliance.
• Top Performer who can make decisions to reflect positively on financial operations in alignment with a company s goals to attain a significant competitive advantage, and exhibits skill in reviewing loan / credit agreements for all borrower conditions (e.g. closing dates, principal pay downs, cure periods, affirmative, negative covenant compliance).
• Excellent Communicator who builds synergistic relationships with management, financial professionals, vendors, and clients, and who leads staff by example and with integrity while seamlessly completing efforts in time-sensitive deadlines.

Loan Review Officer (2014 Present)

  Capitalize on the opportunity to review forward-thinking Loan / Credit Agreements and / or Guaranty Agreements for required documentation, including borrowing base and covenant definitions and reviewing financial documents.

  Develop mutually beneficial relationships with Relationship Managers, Relationship Associates, Credit Risk Officers, LD & FC, and other departments involved in processes which are instrumental in meeting or exceeding key objectives.

  Successfully meet Service Level Agreements (SLA) for covenant testing.

  Accurately review financial documents to perform required covenant tests.

  Build Excel spreadsheets used for covenant calculations per Loan / Credit Agreement.

SBA Closer II (2013 2014)

  Ensured loans and funding documentation were in compliance with SBA SOPs, including SBA 7(a), SBA Express, and SBA 504 loans, as well as reviewing loan approval documentation and generating due diligence per policy / requirements.

  Reviewed third-party reports (i.e. Phase I Environmental, Appraisals, Plan & Cost Reviews, Property Condition Reports).

  Successfully assessed risk and made sound decisions based on experience and transaction details.

  Engaged with bank-approved attorneys to lead documentation and loan closing through transactions.

  Ensured compliance with approval and SBA Construction guidelines by reviewing and balancing complex budgets.

Asset Recovery Management Solutions (ARMS) Closer II (2011 2013)

  Strategically steered support with collections, including accurately reviewing loan documents; processing payments; and handling protective advances, payoffs, restructures, and foreclosure involving third-party note or short sales.

  Led non-performing loan functions, including ensuring accurate rate and / or payment analysis for ARMS Group, as well as compliance with change notifications, balloon loan monitoring, and deficiency billing and 1099 YE reporting.

  Led loan / collateral documentation, including consumer, commercial, real estate, construction, and SBA.

Commercial Loan Closer ￨ Funder II (2006 2010)

  Expertly ordered, reviewed, and coordinated high-volume loan documentation from attorney and internal documentation team, including negotiating loan documents; reviewing documents; and previewing documents for compliance with comprehensive federal, state, and regulatory requirements and per BBVA Compass credit policy.

  Efficiently processed invoices in accordance with policies and procedures, and reconciled past due invoices.

  Ensured proper documentation of policy and due diligence exceptions throughout closing / funding process.

Commercial Lending Assistant IV

  Played a vital role in reviewing and interpreting multiple types of loan documentation and collateral perfecting for internal and attorney-prepared documentation, including demonstrating skill in closing commercial and industrial loans, as well as proactively engaging with third-party vendors (e.g. attorneys, title companies, inspectors, surveyors).

  Performed UCC lien search, entity search with various states, and credit report searches.

  Applied talent in liens in accounts receivable, inventory, equipment, vehicles, and negotiable securities.

  Complied with covenant reporting by working with financial and collateral exceptions and verifying borrowers.

Bachelor of Science in Business (Accounting Emphasis) University of Phoenix

Real Estate Lending ￨ Financial Accounting Program American Bankers Association

Member, Association of Certified Fraud Examiners ￨ Microsoft Office ￨ LaserPro ￨ ARTA Lending Documentation System