Michele Smith

**** **** **** 315-***-****

Cleveland NY 13042 abgt6q@r.postjobfree.com

Summary

Bank Officer with significant experience in loan operations for regional bank. Highly skilled in

compliance, loan services, rules and regulations. Recognized for excellence in data management,

applications and conversions. Experienced in process improvement related to policies and procedures.

Proven ability to prioritize and consistently meet deadlines. Able to work independently and as a team

member.

Professional Experience

Rome Savings Bank, Rome, NY

1989-2011

Assistant Vice President, Loan Operations (2003-2011)

Managed up to 13 employees including residential mortgage processors, underwriters and servicers with

loan portfolio over $300MM.

Key member of core banking system conversion team charged with providing acquiring institution

with loan data.

Served as team leader for implementation of Business Continuity Plan.

Provided technical assistance to loan officers with customizing and set up of origination systems.

Performed monthly reconcilements of up to 15 general ledgers and investor custodial accounts.

Managed preparation of quarterly CRA / HMDA reporting and FFIEC annual submissions.

Coordinated quarterly loan loss review meeting by collaborating with commercial lenders.

Compiled asset allocation report for Loan Review Committee through use of database queries and

direct input of commercial lenders on specific accounts.

Managed compliance of multiple agency regulations including Sarbanes Oxley Requirements.

Coordinated bank applications and acceptance to sell loans to Federal Home Loan Mortgage

Corporation.

Administered residential mortgage pipeline and secondary market sales.

Served as liaison for Office of Thrift Supervisions regulatory examinations and external audits.

Recognized for excellence in numerous audits adhering to bank and lending policies.

Achieved significant role in successful implementation of changes in RESPA and FACT Act.

Member of Compliance, Loan Review, Change Control and IT Steering Committees.

Supervisor of Loan Servicing (1996-2003)

Streamlined departmental work flows to enable staff reduction by 38%.

Researched and implemented outsourcing of tax searches for non-escrowed borrowers resulting in

accuracy and efficiency of process thereby minimizing bank’s overall risk.

Implemented new process of analyzing escrow accounts due to regulatory changes from single item

analysis to an aggregate method.

Primary role in Core Banking System Conversion Team, responsible for mapping of all loan data to

new windows based system.

Successfully converted bank’s credit bureau reporting from tape method to Metro II format.

Trained new employees and reassigned duties as necessary to maintain effective operation of

servicing area.

Education

Mohawk Valley Community College, Rome, NY

Matriculating towards degree in Accounting, achieved 43 Credits

Notary Public, License

Recipient of President’s List Achievement Award

Technical Applications

Word, Excel, Crystal Reports, FIS (Miser), Sound Software, Database Query

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