Marcus Kelly

Self-motivated professional with over a decade of high performance, with an internal drive to deliver excellent in the banking industry. My experience ranges from all aspects of banking, including sales, customer service, debt mitigation, loan servicing, underwriting (vehicles, real estate, commercial, SBA loans), and quality assurance/control for credit products.

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

Bachelor's Degree - Business Finance - Alabama State University (2006)