Ken Sanow

**** ***** *** ****

Layton, Utah *****

Phone 801-***-****

Email: abiibv@r.postjobfree.com

Objective: To find employment with a strong company that will benefit from my

knowledge and experience.

Experience:

Zionsbancorp – 2008-Current

SBA Loan Specialist 2009 - Current

• Receives the credit presentation approved by the Bank to create a loan specific list of

needed documentation from the borrower and/or lender. Reviews the credit approval in

detail for SBA eligibility.

• Responsible to determine whether all eligibility criteria have been met, addressed, and

documented in each loan file. Coordinates with the lender, provides instruction, and gathers

needs list items.

• Coordinates the ordering of title commitments; performs processing functions such as UCC

searches, legal review, corporate status verification, obtains insurance certificates, flood

status verification, etc.

• Gathers appropriate information to prepare SBA application documents, including

borrower signatures.

• Inputs information in the SBA lending solution software and e-tran to obtain the SBA

guaranty. Completes the SBA Authorization, creates a documentation checklist,

instructions for closing, and prepares closing documentation.

• Performs buddy audits with SBA processors for regulatory bodies. Copies and prepares a

file for permanent storage and maintenance.

• Monitors and reconciles all necessary disbursements. Performs other duties as assigned

• Review all payments and draws that are rejected through proof processing.

• Receiving and posting all incoming mail payments for all affiliates.

Loan Specialist III in Consumer Loan Operations

• Balancing and verification on new loans that are loaded on the Advanced Consumer Loan

System (ACLS).

• Balancing and preparing all proof work for the entire loan servicing department.

• Setting up all the auto payments for all the consumer loans and processing the payments

that are returned NSF.

• Processing all the debt cancellations for all loans that have applied for debt cancellation.

• Temporary detail in the Small Business Department assisting in loan file audits, and

processing loans.

First National Bank of Layton – Loan Operations Specialist 2005-2008

• Balance all General Ledgers accounts for the loan department on daily basis.

• Track loan officer’s exceptions on new loans and producing weekly reports for

tracking.

• Developed and maintaining the imaging of all the loan documents for the loan

department.

• Review and examine daily activity reports for internal or external fraud or identity

theft.

• Inputting new loans into the banking system and verifying loan data.

• Track insurance on all real estate and vehicle loans verify coverage and force

placing if not adequately insured.

• Track and account for all collateral, promissory notes, and perfected vehicle titles.

• Assist with payoff quotes and processing paid off loans.

• Research credit disputes and submit corrections to the Credit Bureau.

• On a monthly basis have all General Ledgers Certified for the Compliance

Department and produce reports that are submitted to the Board of Directors.

Internal Revenue Service - Data Transcriber 2008-2008

• Data entry of business tax extensions.

• Quality control tax extensions inputted by other departments.

• One of the leading processors for the term position.

Zionsbancorp - Loan Specialist III in Operations 2001-

2005

• Daily General Ledger reconcilement of several accounts.

• Balancing and verification on new loans that are loaded on the Advanced Consumer Loan

System (ACLS).

• Assist with loan conversions of bank acquisitions or sales.

• Quality control and verification of loan data entry, with special emphasis on critical fields.

• Service consumer loans, including posting code corrections, resolving due dates issues,

research of disputed items and loan extensions.

• Team member of an escalated queue for loan issues requiring extended research. Assist on

customer service on client problems.

• Completes review, reversals, payment adjustments and draws with daily work.

• Backup on the daily balancing of General Ledger “In-process” accounts for consumer

loans.

• Employee of the month for September 2001

Skills: Excel, Microsoft Word, Access, Internet Explorer, ACLS Function, Reddi-Check

Viewer, ReportView, Appro Loan Center, Check Writer System, BMA, MIPS Research, Document

Imaging system, Class, Laser Pro, Ten Key by touch, Type 55 Words per Minute

Education:

1995-2001 Utah State University Logan, Utah

Bachelors of Science Degree in Accounting

1992-1995 Mountain Crest High School Hyrum, Utah

Diploma

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