I have over 15 years of experience in banking, electronic processing, loan origination & servicing, and finance. My current expertise resides within the realm of the Small Business Administration (SBA) where I close & package SBA loans for one of the top FinTech shops in the nation! I also lend support relative to SBA loan originations, underwriting, servicing, funding, booking, and sales. I have attained a wide range of knowledge, experience, and skills that would be a tremendous asset to any company!
Overview
14
14
years of professional experience
Work History
SBA Loan Closer & Business Lending Analyst
Cross River Bank
11.2022 - Current
Processing, packaging, and closing 7A & 504 Small Business Administration (SBA) loans.
Processing & Servicing loan applications for via the Capital Access Finance System (CAFS) - (PLP, GP, & Express).
Pulling background, lien searches, and credit reports for underwriting.
Submitting, reviewing, and analyzing collateral property reports such as: Appraisals, Environmental Reports, Business & Equipment Valuations etc.
Reviewing various documents for closing – (i.e. - business financials, insurances, property docs, company docs/filings, contracts / purchase agreements, etc.)
Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
Completing various documents for closing – (i.e. – Checklists, Authorizations, SBA Forms, etc.)
Preparing, and submitting Loan Packages to attorneys & new borrowers for completion.
Receiving, and reviewing completed loan packages for completion.
Disbursing funding for new loans & any payoffs that were refinanced - via wire transfer.
Saving completed loan packages for system upload, and preparing them for booking.
Managed a pipeline of prospects, maintaining consistent follow-ups to ensure timely closings.
Maintained high levels of customer satisfaction by addressing concerns promptly and professionally throughout the closing process.
Served as a reliable point of contact for both internal teams and external partners throughout deal closures ensuring efficient information flow.
Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
SBA Closer & Packager
Cadence Bank
01.2021 - 11.2022
Processed, packaged, and closed an average of 20-25 7A Express Small Business Administration (SBA) loans per month.
Processed new applications for scoring via the Capital Access Finance System (CAFS), and pulled background, lien searches, and credit reports for underwriting.
Reviewed various documents for closing – (i.e. - business financials, insurances, property documents, company docs / filings, etc.)
Communicated, and relayed information with Relationship Management on outstanding items needed for closing.
Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
Managed competing priorities under tight deadlines while maintaining accuracy in document preparation for smooth transaction completion.
Consulted with clients to recognize needs and provide tailored solutions.
Completed various documents for closing – (i.e. – Promissory Notes, Authorizations, SBA Forms, etc.)
Prepared, and submitted Loan Packages for new borrowers for completion via DocuSign.
Retrieved, and reviewed completed loan packages for completion.
Disbursed funding to new borrowers, and for any payoff's that were refinanced - via wire transfer
Divided Completed Loan Packages for system upload, and prepared them for booking.
Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
SBA Administrative Generalist
Cadence Bank
05.2019 - 01.2021
Managed post-closing funding for all SBA 7A & 504 Loans: Construction, Equipment, Inventory, Working Capital, etc.
Managed all project balance sheets, and Loan Advance timelines to ensure project deadlines were met.
Assisted SBA Traditional Closers by compiling, and processing documentation (post-closing) for Booking.
Initiated and managed the selling of all fully funded SBA 7A & 504 Loans, and Express SBA Loans to various investors - Average loans sold per month: 20-30.
Compiled, processed, and submitted sold loan documentation (Notes, Authorizations, & SBA 1086's) to winning investors.
Calculated, and managed investor trade documents to ensure accuracy of funding.
Generated loan sales reports, spreadsheets, invoices, and funding confirmations for all sold loans.
Managed, and processed all Commercial & Residential Appraisal & Environmental orders, and reports.
Managed office inventory effectively, maintaining adequate supplies while minimizing waste and unnecessary expenditures.
Maintained accurate contact records for clients, vendors, and employees, ensuring easy access to important information when needed.
Reviewed files, records and other documents to obtain information to respond to requests.
General Admin duties: researching, reporting, spreadsheet generation, etc.
Treasury Management Specialist
Cadence Bank
02.2019 - 05.2019
Processed and updated business client account information.
Researched and implemented solutions to all client questions / concerns regarding their active treasury products.
Updated and performed maintenance on business online profiles, terminals, and devices.
Supported the implementation of new software tools aimed at automating manual processes within the Treasury department for increased efficiency.
Provided technical support for the following Treasury Products: Online Cash Management, Remote Deposit Capture (RDC), ACH & Wire Transfer Initiation, Lockbox Reconciliation, Payroll Processing, and Positive Pay Processing / Reconciliation.
Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
Processed increase requests to adjust set limits for various Treasury Service products - (i.e. - RDC, ACH, Wires, etc.)
Assisted clients with installing and troubleshooting software / hardware for Remote Deposit Capture (RDC).
Assisted clients with troubleshooting personal electronic devices for efficiency. (i.e. - personal computers, tablets, mobile devices, etc.)
Client Care & Treasury Support Specialist
State Bank & Trust Company / Cadence Bank
02.2015 - 02.2019
Company Overview: Merger with Cadence Bank in January 2019
Assisted clients with all inquiries, and requests regarding their various accounts.
Responded to all client inquiries and asked appropriate questions to facilitate resolution.
Managed high call volume efficiently, prioritizing urgent requests and maintaining composure under pressure.
Participated in regular team meetings to discuss strategies for enhancing overall client experience within the organization.
Processed, and updated client account information per their request.
Researched, and attained solutions to all client questions and concerns.
Liaised between internal departments to facilitate prompt resolution of complex cases, resulting in satisfied clients who appreciated the extra effort put forth on their behalf.
Managed all online account application submissions, and opened all approved new accounts.
Updated, and processed maintenance on both business and personal online banking profiles.
Assisted clients with any/all electronic banking products including, but limited to: Online Banking, Online Bill Pay, Electronic Delivery, Mobile Deposit, and Debit Cards.
Provided technical support for the following Treasury Products: Online Cash Management, Remote Deposit Capture (RDC), ACH & Wire Transfer initiation, Lockbox Reconciliation, Payroll Processing, and Positive Pay Processing / Reconciliation.
Processed increase requests to adjust set limits for various Treasury Service products - (i.e. - RDC, ACH, Wires, etc.)
Utility Floater & Branch Operations Specialist
State Bank & Trust Company
04.2014 - 02.2015
Interacted with clients waiting for assistance; identifying needs, and transitioning them into sales with Client Relationship Representatives (Personal Bankers).
Partnered with the Branch Operations Manager to ensure the banking center was in operational compliance.
Assisted Client Relationship Representatives with their daily routines - (i.e. - making phone calls, filing and organizing client documentation, identifying client opportunities (referrals), and assisted with operational audits / reports).
Conducted Audits on all areas of operations, and the teller line.
Located, and corrected all cash discrepancies.
Supervised all cash transfers between the tellers, their cash drawers, and the main vault.
Researched, and corrected any/all transaction errors that were detected by the Deposit Operations team.
Managed all daily & monthly log sheets to ensure that all procedures were being consistently followed.
Conducted Monthly Security Training to eliminate areas of risk, and prepare staff for any possible fraud they may encounter.
Served as a liaison between the Regional Operations Manager, and the branch staff to address any/all operational questions / issues that may arise.
Client Service Specialist
SunTrust Bank / Truist Bank
08.2012 - 04.2014
Offered great client service, and exuding positivity with every encounter.
Interacted with clients waiting for assistance; converting the interaction into a conversation with a banker.
Partnered with the Client Services Manager, and used reports, ledgers, and commitment forms to track service goals, improve the sales of products, and control of service breaks.
Identified client traffic patterns, and provided appropriate support to Teller line, Platform, and Lobby area.
Assisted Personal Bankers with their daily routines; i.e.: making opportunity calls, filing and faxing client documentation, preparing closing documentation, identifying client opportunities (referrals), and assisting with technical support.
Kept inventory of, and ordered the necessary banking and office supplies that were needed.
Bank Teller / Lead Teller
Wells Fargo Bank
07.2011 - 07.2012
Processed client transactions: Deposits, Withdrawals, Transfers, etc.
Processed cash drawer currency counts.
Processed Currency Transaction Reports for large deposits.
Ensured that exceptional client service was executed at all times on the teller line.
Demonstrated, and trained other staff members on excellent product knowledge.
Conducted random monthly cash counts to ensure all tellers were consistent with balancing.
Managed and organized the filing of all daily & monthly paperwork.
Conducted, and managed monthly retention paperwork for operational audits.
Education
Bachelor of Science - History and Psychology
Emmanuel College
Franklin Springs, GA
05.2009
High School Diploma -
Madison County High School
Danielsville, GA
05.2002
High School Diploma -
Barstow High School
Barstow, CA
05-2002
Skills
Loan management & processing via Sales Force / SPARK / Microsoft Dynamics
Loan closing documentation generation via Finastra / Laser Pro