V I R G I N I A I. M I R A N D A

**** ****** ******, *********, ** 11385 p: 347-***-**** e: acry6l@r.postjobfree.com

Combines over 15 years of experience across administrative and operational support, project leadership, internal training and development, and data management and reporting, with core expertise supporting organizations and teams in the financial sector. Skilled at identifying key organizational pain points and recommending strategic solutions to increase efficiency, productivity, and organization of workflow. Engages with associates at all levels of an organization to promote open communication, collaboration, and idea sharing. Recognized for exceptional work ethic and reliability, with a record of consistent upward mobility within multiple global organizations. Areas of expertise include:

Administrative & Operational Support Training & Development Data Management & Reporting Compliance

Project Management Process Development Facilitating Groups Customer/Client Service Strategic Planning

Excel PowerPoint Strategic Problem Solving Driving Efficiency & Productivity Distributing Workflow

E X P E R I E N C E

SANTANDER BANK Brooklyn NY June 2008 – Present

Project Manager – Corporate Development Oct 2013 – Present

Supports ad hoc projects across 8 different commercial banking business lines, with key initiatives including acquisition of portfolios from external investors(Fannie Mae), restructuring processes for portfolio management team, preparing corporate documentation, management reporting, and facilitating leadership meetings.

Serves as a liaison to the leadership team in regard to reporting, and compiling high-level documentation detailing various strategic initiatives, updates, and issues across the different business lines.

Implements strategies to engage multiple business units to ensure uniformity and efficiency.

Maintains meeting minutes and project notes for multiple departments and project stakeholders.

Contributed to 2 portfolio acquisitions in both 2014 ($806M) and 2015 ($1.3Bn); successfully providing portfolio analysis of loan characteristics, document due diligence, liaison to outside counsel, and overseeing on boarding process with operations.

Credit Analyst – Portfolio Management Nov 2012 – Oct 2013

Transitioned into the portfolio management group with responsibility for ensuring timely fulfillment and reporting of annual mortgage account reviews in line with customer contracts, serving as a liaison between the bank’s portfolio management group and external investors (Fannie Mae) as well as internal groups such as regulatory reporting and enterprise risk teams.

Provided portfolio analytics and due diligence on several high-level projects, including a $600MM portfolio purchase in 2013, with keen attention to detail and confidentiality.

Served as a liaison with outside vendors to ensure timely collection and processing of customer paperwork.

Structured performance metrics for a group of 20-25 portfolio managers to monitor activities and outcomes.

Executed bank audit requirements, and orchestrated data transfers.

Defined and updated operational procedures to improve efficiency, including the development of a comprehensive database for a $10Bn bank portfolio and a $2Bn servicing portfolio used to track and manage annual loan reviews and associate performance.

Commercial Workout Loan Specialist May 2009 – Nov 2012

Assisted with building a department from the ground-up to focus on the handling and resolutions of troubled assets within the bank, following the recent economic downturn.

Developed departmental policies, procedures, and reporting capabilities to position the group for sustainability.

Ensured legal and regulatory compliance of all loan documentation, credit approvals, and transactions, correcting inconsistencies and monitoring resolutions.

Managed a small portfolio to ensure timely payments and satisfaction of loan covenants. Submitted loan actions requested by Workout Loan Officers to specialized departments, added credits to necessary loan approval committee agendas, ordered and reviewed appraisals, and reviewed approval minutes.

Supported team leaders with ad hoc projects related to data tracking, reporting, and cleansing.

Pre-Closing Coordinator June 2008 – May 2009

Supported brokers with preparing documentation and loan packages for commercial mortgage closings.

Drafted, issued, and responded to commitment letters submitted by brokers and borrower attorneys.

Worked with underwriters, processors, and bank attorneys to compile and verify accuracy of loan condition documents.

MORTGAGE IT DEUTSCHE BANK New York, NY July 2004 – June 2008

Sales Support Specialist; Cross Border Lending Division Feb 2008 – June 2008

Key point of internal contact for all outside loan officers within an IT subsidiary of Deutsche Bank, assisting with arranging client presentations and handling incoming leads and pipeline reporting.

Maintained internal database in regard to new user setup, website access, data integrity, access issues, security standards, and ongoing system support.

Provided and implemented recommendations for system improvements based on underlying business goals and objectives.

Training Development Coordinator Aug 2006 – Feb 2008

Evaluated internal staff learning needs in collaboration with department heads, accountable for structuring and promoting training sessions, collateral, and online learning materials, in addition to liaising with guest trainers and outside training vendors.

Created and maintained records and reports evaluating instructor performance and trainee progress to inform future modifications and program improvements.

Account Manager June 2005 – Aug 2006

Coordinated between brokers and internal operations staff to prepare monthly/quarterly loan pipeline reports.

Reviewed and approved income documentation, verification letters, and proof of employment.

Post Closer July 2004 – June 2005

Assembled closed mortgage files and collateral documents for investors, and delivered to multiple warehouse banks.

Ensured accuracy of loan application and closing documents prior to filing.

Researched and resolved outstanding due diligence issues, and addressed customer inquiries related to transactions and loan accounts.

CLAYTON GROUP Shelton, CT Oct 2000 – July 2004

Post Closer June 2003 – July 2004

Customer Service Representative Oct 2000 – May 2002

CENTEX HOME EQUITY Milford, CT May 2002 – June 2003

Loan Processor

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