Quality Assurance Administrator - Regions Financial Corp. - Hoover, AL
(2022-01)
- Support credit products underwriting, and fulfillment activities centralized primarily to SBA loans
- Analyze SBA loan transactions for risk rating accuracy, policy compliance, and credit risk management practices
- Conduct compliance risk assessments, processes, procedures and corrective action validation reviews
- Identify trends and risk related issues that need remediation and establish guidelines for resolving findings
- Perform targeted reviews as needed for corporate credit products to remediate current operation risk to the bank
- Provide monthly and quarterly reports to mangers, discussing trends, risk related findings, and means to improve
- Provide risk assessment reports of findings to internal audit and credit risk review when needed
SBA Underwriter - Regions Financial Corp. - Hoover, AL
(2020-09 - 2022-01)
- Reviewed SBA applications for completeness and accuracy per the SBA SOP guidelines
- Underwrote and serviced small to large dollar deal ranging from $100M to $1.5MM in TCE per SBA SOP guidelines
- Decisioned over 60 loans, totaling over $19MM in 2021 Year to Date, for score only and small to large dollar TCE
- Assisted management in training new hires for pre-underwriting, improving more quality applications
- Reviewed and processed SBA PPP loans during COVID-19 pandemic from pre-underwriting to closing in Ncino
SBA Credit Analyst - Regions Financial Corp. - Hoover, AL
(2019-11 - 2020-09)
- Responsible for reviewing SBA applications for completeness per SBA approval in a timely manner
- Re-route incomplete applications and assist SBA bankers in resolving application issues for completeness
- Analyze credit memos submitted by SBA bankers to ensure SBA criteria are appropriately addressed
- Spread borrower and business affiliate entity interim and year-end financial statements
- Spread and analyze personal guarantors' financial information in pre-underwriting stage
- Prepared financial statements and tax returns to be routed to an underwriter for review
- Reviewed loans for annual servicing and financials for a quick debt ratio analysis
Client Retention Group Underwriter - Regions Financial Corp. - Hoover, AL
(2018-02 - 2019-11)
- Underwrote new money deals, renewals and perform cash flow analysis
- Spread financials on new money deals over $150M and TCE over $250M
- Assisted team lead in training new hires with underwriting procedures
- Consistently ranked top performer from month to month with a current client retention rate of 97%
- Successfully maintained and managed the lowest pipeline for renewals
Business Banking Collection Specialist - Regions Financial Corp. - Hoover, AL
(2016-12 - 2018-02)
- Daily contacted customers of delinquent accounts with attempt to collect outstanding amounts
- Worked closely with private wealth and business bankers to resolve customers delinquent accounts
- Worked closely with PAM & loss mitigation to structured repayment plans for commercial loans
- Ranked top-performer consistently with $3 Million in debt recovered YTD
Senior Relationship Banker - PNC Bank - Alabaster, AL
(2011-04 - 2011-09)
- Advised customers on bank products, services, and financial planning options
- Perform maintenance request on loans, credits cards and checking accounts
- Exceeded sales goals by promoting bank products and services in every interaction
- Ranked top banker in southeast region of the bank in sales
- Assisted branch manager in training new hires with cross-selling
- Assisted branch manager in implementing strategies that resulted in the growth of a strong customer base
Personal Banker - Wells Fargo - Alabaster, AL
(2010-12 - 2011-09)
- Advised customers on bank products, services, and financial planning options
- Perform maintenance request on loans, credits cards and checking accounts
- Exceeded sales goals by promoting bank products and services in every interaction
- Organized onsite presentations from employers, organizations, and colleges
- Assisted branch manager in training new hires with cross-selling and best practices to increase sales
Customer Sales and Service Representative - Wells Fargo - Alabaster, AL
(2011-04 - 2011-09)
- Advised customers on bank products, services, and financial planning options
- Perform maintenance request on loans, credits cards and checking accounts
- Resolve customer complaints and issues in a timely manner
- Exceeded sales goals by promoting bank products and services in every interaction
- Ranked top CCSR in southeast region of the bank in sales
- Assisted branch manager in training new hires with cross-selling
Foreclosure Specialist - BBVA Compass - Homewood, AL
(2008-02 - 2008-09)
- Daily maintained and updated a portfolio with over 60 properties on Microsoft Excel
- Worked tight deadlines for pre-foreclosure properties to minimize banks losses
- Order and review appraisals, property reports and credit reports
- Order payoffs from first mortgages when bank holds 2nd lien on a property
- Thoroughly analyze property reports for any tax liens or judgment
- Review banks equity on a property to decide to foreclose or charge off
