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