Marcy Hughes

Detail-oriented banking professional with 18+ years of experience in loan operations, quality control, commercial lending, consumer lending, and customer service. Extensive expertise in reviewing, processing, booking, and auditing commercial real estate, commercial lines of credit, consumer mortgages, HELOCs, auto loans, SBA loans, and wealth management loans. Proven ability to ensure regulatory compliance, mitigate operational risk, and collaborate effectively with management, lenders, attorneys, and cross-functional teams.

Proficient in nCino, nCino Imaging, Fiserv, LaserPro, electronic document management, loan documentation review, and customer relationship management.

Quality Control Specialist - Ameris Bank

(2022-06 - 2025-02)

• Collaborated with senior leadership, lending teams, and loan operations personnel to ensure loan documentation was complete, accurate, and compliant with bank policies and regulatory requirements.
• Performed quality control reviews of mortgage, commercial, consumer, SBA, and wealth management loan files.
• Verified that approved loan terms, collateral documentation, and supporting records matched underwriting approvals and loan documentation.
• Audited loan bookings to ensure loans were accurately boarded in accordance with promissory notes, approval conditions, and bank procedures.
• Identified documentation discrepancies and partnered with lending and booking teams to resolve issues prior to funding and loan boarding.
• Maintained detailed records of quality control reviews and communicated findings, trends, and recommendations to management.
• Assisted in reducing operational and compliance risk by ensuring loan files met quality standards and regulatory guidelines.
• Supported process improvement initiatives that increased accuracy and efficiency within the loan review process.

Loan Operations Specialist - Florida Capital Bank

(2007-03 - 2022-06)

• Specialized in commercial real estate (CRE) and commercial line of credit loan documentation, document review, and loan booking.
• Processed and reviewed commercial, consumer, and real estate loan documentation to ensure accuracy, completeness, and compliance with bank policies and regulatory requirements.
• Demonstrated extensive experience with consumer mortgage loans, HELOC's, consumer lines of credit, auto loans, and related lending products.
• Reviewed loan packages to ensure all required consumer mortgage lending documentation was obtained, properly executed, and compliant with applicable regulations and bank policies.
• Prepared, reviewed, and booked loan transactions while verifying loan terms, collateral, promissory notes, and supporting documentation.
• Conducted detailed reviews of loan packages to ensure documentation was consistent with approved loan terms, underwriting conditions, and closing requirements.
• Coordinated with lenders, underwriters, attorneys, title companies, and customers to obtain required documentation and facilitate timely loan closings.
• Maintained loan records and performed post-closing reviews to ensure accurate system entry, document retention, and regulatory compliance.
• Assisted with loan servicing activities, including modifications, renewals, extensions, payoffs, and loan maintenance requests.
• Resolved documentation and booking discrepancies by researching issues and collaborating with internal departments.
• Supported internal audits and regulatory examinations by providing requested loan documentation and ensuring adherence to established procedures.
• Developed extensive expertise in commercial and consumer lending operations through more than 15 years of progressive banking experience.

High School Diploma - Middleburg High School Middleburg Florida