TERESA TRINH

*****-* ******* **** *******

Rockville, Maryland 20850

ad1zer@r.postjobfree.com

301-***-**** (M)

SUMMARY:

Experienced professional with 17 plus years’ experience in managing an Asset Based Lending Portfolio Department, seeks a rewarding opportunity with a growth-oriented company to apply my experience and contribute to the ongoing growth of the organization.

WORK EXPERIENCE:

EAGLEBANK, Bethesda, MD

Vice President, Asset Based Lending Department, Portfolio Monitoring Manager, October 2005 – July 2023 (Reduction in Workforce)

● Responsible for administering the procedures, management, and reporting of a monitored loan portfolio.

● Manage three department team members.

● Prepare asset-based lending reports on a quarterly basis for senior management.

● Create and maintain various templates for the purpose of monitoring borrowing base facilities with emphasis on asset risk and timely monitoring.

● On going work to define and promote consistent procedures for lending personnel and further assist the bank in meeting its goals in the areas of risk mitigation and compliance.

● Coordinate the ordering of collateral audits with C&I relationship managers and external contractors.

● Played a key role in the development of the bank’s asset-based lending policies, procedures, and on-going training.

● Work closely with the bank’s documentation department in preparing asset-based loan documents.

MERCANTILE POTOMAC BANK Gaithersburg, MD

Senior Portfolio Assistant, June 2003 - September 2005

● Collect and organize credit information for the credit file.

● Prepare documents and forms including approvals, commitment letters, funding requests, credit and documentation forms.

● Coordinate loan closings with pre-settlement department, appraisers, and attorneys, as appropriate.

● Create and maintain separate credit, documentation and if appropriate, construction files, for each borrower in accordance with bank credit policy.

● Maintain several worksheets as part of the portfolio administration policies and procedures.

● Establish and maintain customer relationships in the assigned portfolio.

● Assist in training the bank’s portfolio assistants and provide guidance on the performance of daily activities.

BRANCH BANKING & TRUST CO. Washington D.C.

Business Service Assistant II July 2002 - May 2003

● Provide support to the business services officers and other management personnel with assigned portfolios.

● Assist lenders with loan origination by gathering documents in compliance with bank policy.

● Following the credit approval and commitment stages, assist lenders with coordinating, attending, loan closing and funding.

● Assist business clients with their day-to-date banking needs.

● Monitor future maturities and line expiration reports, and pro-actively prepare documentation for execution.

● Assist with credit review by maintaining updated credit files, including timely filing of credit-related documentation.

● Assist lenders with general portfolio and problems loan management, as well as specific loan maintenance and loan collection activities with focus on loan quality, profitability, and client service satisfaction.

SEQUOIABANK, Bethesda, MD

Credit Administration, November 1996 - June 2002

● Maintain and monitor a government contractor financing portfolio.

● Regular review of the bank’s client accounts and perform bank reconciliation, journal entries, and other accounting methods.

● Process, administer and ensure validity of assignments. Audit and review of account receivable & accounts payable reports to ensure reports are reported accurately and follow bank policy.

● Establish and maintain a variety of bank ledgers, records, and perform file maintenance as needed.

● Personally develop spreadsheets and prepare financial & management reports.

● Work directly with senior staff members with documentation needed for loan presentation and loan settlement.

● Maintain a good relationship with bank customers and assist in resolving customer issues.

Skills & Attributes

● Completed SBA Loan Training Seminar and related Banking Seminars.

● Proficient in Microsoft Office, with a focus on Excel.

● Web and tech savvy, require little to no training.

● Bilingual in English and Vietnamese.

● Excellent organization, communication and customer service skills, and ability to present complex information in an easy-to-understand format.

Awards Recognized with top sales awards at NationsBank from 1993 through 1996(employed 5/1990 to 11/1996, prior to SequoiaBank). Earned monetary awards for superior performance: Sequoia Bank in 1998, 1999, 2000 and 2001; Branch Banking & Trust Co. in 2002.

Contact this candidate