Gary K. Arnold
Atlanta,GA
Summary
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.)
- Streamlined closing processes by implementing efficient organizational systems, improving overall productivity.
- 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, GA05.2009
High School Diploma -
Madison County High School
Danielsville, GA05.2002
High School Diploma -
Barstow High School
Barstow, CA05-2002
Skills
- Loan management & processing via Sales Force / SPARK / Microsoft Dynamics
- Loan closing documentation generation via Finastra / Laser Pro
- Data collection & file management
- Regulatory compliance & Loan audit
Timeline
SBA Loan Closer & Business Lending Analyst
Cross River Bank
11.2022 - Current
SBA Closer & Packager
Cadence Bank
01.2021 - 11.2022
SBA Administrative Generalist
Cadence Bank
05.2019 - 01.2021
Treasury Management Specialist
Cadence Bank
02.2019 - 05.2019
Client Care & Treasury Support Specialist
State Bank & Trust Company / Cadence Bank
02.2015 - 02.2019
Utility Floater & Branch Operations Specialist
State Bank & Trust Company
04.2014 - 02.2015
Client Service Specialist
SunTrust Bank / Truist Bank
08.2012 - 04.2014
Bank Teller / Lead Teller
Wells Fargo Bank
07.2011 - 07.2012
Bachelor of Science - History and Psychology
Emmanuel College
High School Diploma -
Madison County High School
High School Diploma -
Barstow High School
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