VERONICA GRAVE

***** ****** **. ****: 925-***-****

Fremont, CA 94539 Work: 510-***-****

Email: r2w1zs@r.postjobfree.com

PROFESSIONAL EXPERIENCE

• More than 12 years of banking experience in Commercial Lending and Commercial Mortgage Servicing

• Document Review including Loan Agreement / Cash Management

• Internal / External Client Relations

• Proficient with Microsoft Office Suite

• Detail oriented, creative problem solver

• Excellent organizational skills and ability to work independently and within a team

PROFESSIONAL EXPERIENCE

Wells Fargo Bank, Oakland, CA

Treasury Management Sales Associate 2 2010-Present

• Support Treasury Management Sales Representative.

• Recommended additional products to be sold.

• Participate in sales calls with the Sales Representative.

• Responsible to ensure completeness of the packages prior to submitting them for compliance approval.

• Opened multiple commercial accounts, operating accounts and lockboxes.

• Review the cash management agreement and setup the cash flow.

• Manage disbursements, wires and book transfers.

• Responsible for managing all deals whenever the Sales Representative is away.

• Provided post sale customer support:

o Maintain open communication with all deal participants (Customer, Lender, Servicers, Counselors, Accountants, etc.)

o Review the Account opening process with the customer.

o Explain to the customer the documents and how to properly complete them.

o Review pricing with the customers.

o Work with the customers and servicers to reconcile the accounts.

o Explain the deal structure to the deal clients.

Wells Fargo Bank, Concord, CA

Loan Administration Supervisor 2008-2010

• Lead and oversaw the workflow of the loan servicing team.

• Responsible for reviewing and approving outgoing wires transactions up to $10MM.

• Responsible for reviewing and approving up to $25MM for a daily book transfers.

• Reviewed policies and procedures of day-to-day processes.

• Ensured quality of work and monitored work progress.

• Responsible for ensuring that quality customer service was provided to internal/external customers.

• Developed and implemented cash management procedures and automated spreadsheets.

• Assisted co-workers with difficult tasks.

• Supervised and supported the internal audits for the offsite cash management deals.

• Responsible for managing staff PTO requests and approving weekly time cards.

• Cooperative, flexible and effective team player, able to work independently as needed.

Loan Servicing Specialist 5 2005-2008

• Managed moderate and complex Cash Managed Loans for the portfolio.

• Processed assumptions, payoffs and partial releases regarding Cash Managed loans.

• Responsible for ensuring the compliance of loans serviced.

• Responsible for the hand-off process and team member assignments related to the process.

• Implemented and documented procedures and provided system guidelines for all team members.

• Prepared, maintained and reconciled monthly sub-ledger account spreadsheets for loans in portfolio.

• Effectively communicated with internal/external clients to resolve all inquires or discrepancies.

• High problem solving skills and ability to complete multiple tasks within a high volume environment with attention to detail.

• Able to work effectively with management and complete special projects within the specified timeframes.

Credit Analyst 2 / Loan Servicing Consultant 2004-2005

• Analyzed borrower’s financial statements, and other related documents.

• Managed high volumes of Reserve disbursements in accordance with loan documentation.

Washington Mutual Bank, Oakland, CA 2002-2004

Credit Analyst 2

• Approved small to moderates size loans with credit ranging up to $5MM.

• Researched and examined credit risks for large portfolios within Commercial Lending.

• Analyzed customer financial statements, cash flow and other related documents.

• Performed credit investigations; prepared credit approval reports regarding borrowers credit worthiness.

• Analyzed all financial data, current and previous for Commercial real estate loan requests.

• Presented facts and offered opinions concerning client credit worthiness.

University of San Francisco, San Francisco, CA 2000-2002

International Student Services

Administrative Assistant 2

• Processing INS affairs of International Students.

CERTIFICATION

Analyzing Personal Financial Statements and Tax Returns

• Qualified through the Risk Management Association Financial Services Industry.

COMPUSA Technology Services

• Excel 2003 Introduction/Intermediate/Advanced

• Time Management

EDUCATION

University of San Francisco

Bachelor of Science in Business Administration

Major: Finance

Graduated May 2002

References available upon request.

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