Manager Management

John G. Rego

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

Home: 781-***-**** Cell: 617-***-****

**********@*****.***

Experienced Contract Administrator with strong background in client service

and loan administration. Extensive knowledge of the energy power marketing

business. Efficiently negotiated a multitude of contacts in a fast- paced

environment. Analytical and able to adapt quickly to a constantly changing

workplace. Ability to handle multiple projects concurrently under tight

deadlines. Recognized by upper management for ability to govern numerous

projects while providing superior client service. Areas of expertise

include:

Risk Management Document auditing ISDA Master Agreements

Paralegal Certification Records Management Loan Analysis

Commercial Loan Review Contract Negotiation Loan Operations Manager

PROFESSIONAL EXPERIENCE

FIRST PRIORITY CREDIT UNION, East Boston, MA

2010 - Present

First Priority Credit Union (formerly known as the Postal Workers Credit

Union), is a small credit union that specializes in providing competitive

products and services for its Members.

Loan Service Manager/Residential Loan Processor

< Manage the Loan Servicing department. Loan Closer and Consumer Lending

Officer report directly to me.

< Analyze and complete loan delinquency report, loan classification list,

loan charge-off report and sub-prime loan report for the Credit Committee

and CEO on a monthly basis.

< Attend Credit Committee meetings twice per month that ratify all new

loans and make sure that First Priority's policies and procedures are

followed accurately.

< Format and complete quarterly reports for the Federal Home Loan Bank for

over $50 million in loans.

< Work with Loan Officers in processing all Residential Mortgage Loans by

analyzing all the information needed for underwriting the loan.

< Run initial Desktop Underwriter as needed for Loan Officers. Confirm and

finalize before sending to investors in the loan origination for sale

process.

< Perform a quality control on the underwriting package before sending to

investors

< Clear mortgage approval conditions in a timely manner.

< Primary contact in lending for ordering and tracking all appraisal

requests.

< Performs Loan Closer duties as needed. Prepare complete closing packages

making sure that the HUD Settlement Statement is accurate and all of the

documents are concise and complete.

< Perform various duties as needed for all Business Development Officers

and Loan Officers.

< Order all appraisals for Business Development Officers and Loan Officers.

Efficiently track the status of each one, perform a light review and

notify the Officers when Appraisals are completed.

EDISON MISSION MARKETING & TRADING, INC., Boston, MA

2005 - 2009

Loan and Contract Administrator

< Audited confirmation documents against system information to ensure

accuracy and legal guideline compliance.

< Processed up to $500 M annually in power, emission and commodity trades;

matched to confirmation system.

< Negotiated ISDA Master, EEI and Guaranty Agreements with wide variety of

counterparties. Gained attorney approvals for negotiated changes.

< Interfaced directly with attorneys to clear changes to documents

(particularly emissions trades).

< Conducted primary support for Origination team; included preparation of

weekly report and follow up with counterparties on all Master Agreement

negotiation and progress.

< Served as primary contact with legal department for input and integration

of all new master agreements, guaranty agreements and letters of credit

into the Endur Openlink computer system.

< Administered and maintained over $126 M of special purpose loans. Ensured

all filings were completed in timely manner, including annual reports,

franchise taxes and other special purpose filings.

< Created and supplied quarterly financial statements to both members and

lenders of all Non-Utility Generators (NUG) company loans.

WINTER HILL BANK, Somerville, MA

2002 - 2005

Loan Review Analyst/Loan Processor

< Prepared closing packages for all commercial and multifamily mortgages

for a diverse client base.

< Conducted annual review of operating statements for up to 100 commercial

and multi-family properties.

< Interfaced with the Commercial Loan Officer, Attorney and Borrower during

the initial Loan Application stage.

< Analyzed discounted cash flows to ensure policy debt coverage ratio was

met (1.20/1.00).

< Formulated loan review write-ups and thorough analysis for each

commercial and multi-family client. All reviews approved by Commercial

Loan Officer.

< Reviewed and analyzed all closing packages received after loan funding.

Instrumental in initial set-up of loans and mortgages to the Fiserv

mainframe loan system.

EDUCATION & PROFESSIONAL DEVELOPMENT

SUFFOLK UNIVERSITY, Boston MA

1989 - 1993

< Bachelor of Arts in Business Administration

< Obtained Paralegal Certification online through Bridgewater State

College

< Breaking Down the Power Marketing Business through the Energy

Management Institute

< Energy Trading Market Analysis through the Energy Management Institute

Contact this candidate