Jennifer Genna

Commercial Loan Analyst with 15+ years of experience in mortgage lending. Expertise in commercial loan servicing, loan accounting, underwriting, credit analysis, and regulatory compliance. Proven ability to analyze complex loan structures, ensure accurate loan booking and reconciliation, identify risk, and maintain operational excellence.

Recognized for strong analytical skills, attention to detail, and cross-functional collaboration that supports accurate financial reporting and customer satisfaction.

Commercial Loan Analyst - Comerica Bank

(2024-09 - 2026-05)

• Analyzed complex commercial loan documents to establish new loans, renewals, payments, and rate changes within the Commercial Loan Accounting system.
• Interpreted loan structures and terms to ensure compliance with credit policies, procedures, and regulatory requirements.
• Booked and reconciled loan advances, payments, fees, and related transactions with a high degree of accuracy.
• Maintained loan balances, fee transactions, and funds flow documentation to support accurate financial reporting and customer billing.
• Utilized multiple systems, including mainframe and imaging platforms, to analyze and reconcile loan data.
• Exercised independent judgment to resolve discrepancies and support efficient commercial loan operations.

Commercial Loan Servicing Specialist - Flagstar Bank

(2023-08 - 2024-09)

• Managed commercial loan documentation and agreements throughout the loan lifecycle.
• Processed loan payments, advances, draw requests, and construction disbursements.
• Monitored loan balances, interest rates, repayment schedules, and maturity dates to ensure payment accuracy.
• Onboarded newly closed commercial loans into the AFS system and verified data integrity.
• Maintained Letters of Credit and supported portfolio servicing activities.
• Generated revised billing statements and completed account maintenance requests.
• Utilized CoreLogic reporting tools to support servicing and risk-monitoring functions.
• Identified and escalated operational and credit risks to minimize exposure.

Underwriter - CitiMortgage

(2020-11 - 2023-03)

• Evaluated borrower creditworthiness through analysis of credit, income, assets, liabilities, and collateral.
• Reviewed residential appraisal reports to assess collateral value and lending risk.
• Verified loan documentation for completeness, accuracy, and fraud prevention.
• Collaborated with lenders, appraisers, and third-party vendors to satisfy underwriting conditions.
• Applied product expertise to restructure previously declined loans, resulting in successful approvals when appropriate.

Mortgage Loan Processor - CitiMortgage

(2011-07 - 2020-10)

• Managed residential mortgage applications for purchase, refinance, and construction loans.
• Served as the primary liaison between borrowers, loan officers, underwriters, attorneys, real estate agents, and vendors.
• Determined documentation requirements based on loan programs, income sources, and borrower profiles.
• Verified income, employment, assets, and financial conditions to support underwriting decisions.
• Resolved file discrepancies to ensure timely approvals and closings.
• Trained and mentored new team members, contributing to a 31% reduction in regional processing turnaround times.
• Recognized as a Top 5 Producer among branches while supporting a high-volume, high-net-worth client base.
• Delivered training on systems, workflows, and process improvements to enhance team performance.

Mortgage Loan Closer - CitiMortgage

(2009-07 - 2011-06)

• Prepared and reviewed mortgage closing packages to ensure accuracy and compliance.
• Coordinated closing activities with lenders, title companies, attorneys, and borrowers.
• Ensured closing documents met all applicable state and federal regulations.
• Resolved documentation issues and maintained closing schedules to support timely funding.

Bachelor of Arts - Communication (Marketing Focus) - Eastern Michigan University (2007 - 2009)