Carol D. Cyrus

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

Port St Lucie, FL 34986

(H) 772-***-**** abmqm0@r.postjobfree.com

516-***-**** http://www.LinkedIn.com/in/caroldcyrus

Commercial Loan Closing Specialist #10575

Banking professional whose proficiency in all facets of the administration

of over one billion dollars in real estate finance loans has resulted in

perfect audit scores, increased loan processing accuracy and satisfied

customers. Earned a reputation for service excellence and high quality

results with clients who were served. Led and managed a team of loan

administrators/analysts who administered all phases of the loan portfolio.

Key Competencies

Supervision Conflict Resolution Analytical Thinking

Client Needs Assessment Negotiation Skills Influential

Communications

Experience

Citigroup Global Markets, Miami, FL 2004 - 2009

Vice President/Loan Administration Manager, Citi Community Development

Managed, trained and developed a team of seven regional construction loan

administrators who improved the efficiency and accuracy of the closing and

administrative process for loans in excess of $1,700M. Oversaw and

administered all phases of a portfolio of Commercial Real Estate loans that

included: acquisition loans, revolving lines of credit, interim loans,

letters of credit, construction, multi-family, for-sale and permanent loans

from credit approval to pay-off or maturity.

. Supervised the daily administration of a performing real estate loan

portfolio and ensured internal corporate compliance and adherence to

all terms of the legal agreements with special emphasis on reporting

compliance within documentation requirements.

. Performed as a liaison between the Bank and City agencies and ensured

a smooth transition during the closing and/or repayment process.

. Audited the daily loan transactions to ensure accuracy and appropriate

funding which reduced time spent making corrections and the costs

associated with lost income. Team obtained 100% accuracy and passed

both internal and external audits.

. Interacted with lenders, attorneys, various Government agencies and

borrowers throughout the various stages of loan closings for

construction loans, commercial mortgages and multi-family loans to

ensure that the documents accurately reflected the terms and

conditions of the loan as approved by Risk Management.

Carol D. Cyrus Page 2

(h) 772-***-****

516-***-****

Citibank, N.A. 1988

- 2004

(Including predecessor bank - European American Bank, NY)

Vice President/Loan Administration Manager

Oversaw and administered all phases of a portfolio of Commercial and Small

Business Real Estate loans that included: acquisition loans, revolving

lines of credit, interim loans, letters of credit, construction, multi-

family, for-sale and permanent loans from credit approval to pay-off or

maturity. Reviewed construction loan draw requests, analyzed costs and

work to ensure adherence to budget and schedule requirements. Set pricing

options and controlled collection and disbursement of funds. Reviewed

and/or negotiated Commercial Real Estate construction and term loan

documents, perfecting the Bank's interest. Created and drafted

Construction Loan Administration procedures.

European American Bank 1982 -

1988

Administrative Assistant - Real Estate Lending and Corporate Lending

Departments

General secretarial and administrative duties.

Education / Professional Development

SUNY Empire State College, Old Westbury, NY

Completed 75% of coursework towards a Bachelor of Professional Studies

degree

University of Technology, Kingston, Jamaica A.A.S. equivalent -

Business Administration

Robert Morris Associates

Commercial Credit for Lenders

American Management Association Finance for

Non-Financial Managers

New York University, School of Professional and Continuing Education, New

York, NY

Project Analysis and Construction

Monitoring for Lenders

How to Inspect and Evaluate the Physical

Condition of a Property

Technical Skills

Word, Excel, Outlook, McCracken, AFS and SharePoint loan systems

Other Activities

Served as Parish Administrator and Senior Warden for a 150 member

congregation.

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