Thomas McGloin

**** ****** ***** *****, ** *****

acs9nw@r.postjobfree.com - 714-***-****

WORK EXPERIENCE:

LD&FC CRE Loan Closer

BBVA Compass Bank – Dallas, TX – April 2015 to January 2016 Responsibilities:

Responsible for the loan documentation on commercial real estate transactions to include construction loans, term loans, and syndicated/participation loans

Ensures that all loans and funding documentation are in compliance with federal, state, and BBVA Compass’s credit policy

Worked closely with other banks when BBVA Compass is a participating member in a large bank group. These facilities have exposures upwards of $200MM.

Reviewed loan approval documentation and managed a comprehensive due diligence check list according to credit policy and loan type.

Reviewed third party reports including; Phase I Environmental, Appraisals, Plan & Cost Reviews, Property Condition Reports and insurance certificates and reviews

Reviewed and balanced complex construction budgets to ensure compliance with approval and construction guidelines.

Engaged bank approved attorneys and facilitate the documentation and loan closing throughout the transaction

Timely follow up and management of incoming items from the borrower, RM, and attorney

Review title policies, surveys, and related construction due diligence to ensure compliance with bank policies

Closing Officer

KeyBank Real Estate Capital - Dallas, TX - May 2014 – February 2015 Responsibilities:

Closing and delivery process of commercial multifamily mortgage loans. Coordinated and reviewed all loan documentation, insurance certificate review, flood determinations, title, survey, Borrower organizational charts. Ran OFAC on borrowing entities, followed credit policy, closing procedures and commitment letter

Reviewed and negotiated client-requested legal documentation changes with counsel and deal team as appropriate.

Set up loan closing file for delivery, reviewed Underwriting narrative, Fannie Mae form 4662, and loan commitment for accuracy

Calculated escrow analysis and reconciled accounting General Ledger

Prepared final funding package. Uploaded final executed loan documents to servicing for loan boarding

Ensured all pre-closing conditions of approval are met and authorized closings and funding’s of assigned portfolio

Coordinated funding with Title and legal teams; verified all fees and payments were appropriately funded.

Proactively managed post-closing items and package to investor assists with special projects to improve the quality of the closing and due diligence services provided to internal and external clients, including periodic update of procedures and guidelines

Reviewed insurance certificates for compliance to Freddie Mac and Fannie Mae Guidelines. Closing Analyst

Wells Fargo Multifamily Capital - Irvine, CA - June 2012 to May 2014 Responsibilities:

Assisted senior loan closers in closing and delivery process of commercial multifamily mortgage loans.

Communicated with legal counsel, underwriting, and third parties involved in the process, set up loan closing file on share drive, reviewed loan draft and final documents for delivery, calculated escrow analysis and verified Salient Facts. Prepared final loan documents for loan boarding to servicing department post-closing.

Prepared commitment letter for closer, verified incoming wires for good faith deposits.

Set up loan commitments in Fannie Mae C&D system and uploaded loan documents to Fannie Mae and Freddie Mac systems.

Securities Operations Service Specialist

Wells Fargo - Irvine, CA - December 2010 to June 2012 Responsibilities:

Provided assistance to Financial Advisors regarding Annuity trades. Managed document requirements and provided technical support using the Annuitynet system

Handled inbound calls from financial advisors and Insurance Carriers for Annuities

Advised Financial Advisors of proper procedures and operations. Provided guidance with proper forms and documents

Verified funds in brokerage accounts were available before live trades.

Assisted both advisors and their assistant's with reaching out to Insurance carrier's to acquire product and contract information and resolve issues Operations Team Lead

Capital Mortgage - Newport Beach, CA

March 2007 to August 2008

Responsibilities:

Supervised team of 5 loan processors in day to day operations.

Ensured files were shipped out in a timely fashion after loan funding in order to help Investors Purchase loans quicker, also helping to meet monthly production goals.

Managed pipeline of all transactions and developed a checklist system and standard operating procedures

Assisted processors using deal management system to track status of all loans.

Made sure that bank conditions were met in order for Loan funding. Loan Officer

Capital Mortgage - Newport Beach, CA

June 2005 to March 2007

Responsibilities:

Originated mortgage loans for home purchases, refinance, and debt consolidation by warm transfer inbound call leads and realtor referrals

Consistently met and exceeded sales goals

Managed loans from application to closing

Lease Remarketing Representative

Bank of America - Brea, CA

January 2000 to June 2005

Responsibilities:

.

Sold previously leased, Bank owned vehicles to original lessee, third parties, and auto dealerships.

Negotiated sales prices of bank auto asset inventory based on market value using current auction information for geographical regions

Advised customers of their end of lease options, lease to loan, lease to lease, and return procedures.

Handled both inbound and outbound calls to lease customers, dealerships and other third parties

Worked closely with bank underwriters to meet credit criteria and bank

Adhered to Bank of America credit Guidelines and procedures for all states in the U.S.

Prepared and processed loan contracts and managed all other documents from application to funding.

.

EDUCATION

Bachelors in University Studies 1994 to 1997

University of New Mexico - Albuquerque, NM

Military Service

United States Marine Corps 1992-2000

E-5 Sergeant 4th Reconnaissance Battalion, Albuquerque, New Mexico

Contact this candidate