Cynthia L. Lowell

Objective

Loan Operations Manager - The preferred position will be with a progressive financial institution, which will utilize my

knowledge, skills and experience involving all aspects of lending, risk management, loan compliance, documentation and

administration to promote and create operational efficiencies in conformance with policies, procedures and regulatory

requirements.

Qualifications

Background encompasses approximately (25) years in the Banking/Finance and Administration, in which the last (20) years

have been in a Loan and Compliance Operations Management.

Banking Officer and Regional Commercial Loan Operations Manager

Loan Compliance and Community Reinvestment Act Officer

Loan, Legal Documentation and Servicing Procedures Specialist

Certified Real Estate Vocational Instructor in the field of Escrow & Land Title

Corporate Secretary – Executive Lending Administrator, Notary

Training, time management, teamwork and staff development

Education

Digital University Certifications (20 years plus) – Finance, Commercial, Consumer & Real Estate Lending, Compliance &

Regulations

Fullerton Junior College - AA Degree in Business Finance and Management, Real Estate Business Certificate

Santa Rosa Junior College - Licensed Real Estate Vocational Instructor

Computer Literacy Courses - Harland Financial, Snergy Reporting, Evision, CFI, ITI, Laser Pro Documentation &

Compliance, Quicken, Peach Tree & MAS 90 Accounting, Excel, Microsoft Word and Power Point.

Professional Experience

Sunrise Bank, Regional Loan Operations Mgr, CRA & Loan Compliance Officer 2005 - present

Monitor all lending and servicing functions and staff development, implementing quality assurance standards in

conformance with Bank established guidelines, regulations, compliance, policies and procedures.

Perform compliance tests and CRA reviews as directed by the Management Compliance Programs.

Prepare reports of findings that are presented to appropriate Directors as well as Bank Corporate Officers.

Assist Corporate Compliance Officers with monthly, quarterly-year-end compliance filing, audits and reviews.

Attend on going compliance training seminars educating and implementing compliance procedures are in place.

Liaison between branches audit and review of documented highly complex commercial, real estate and consumer and

SBA loans.

National Bank of the Redwoods, Loan/Credit Operations Specialist III/Supervisor 1998 - 2005

Train personnel to document highly complex commercial, real estate, construction, mortgage, agricultural, asset based,

auto, credit lines, SBA and consumer loans from origination to closing.

Coordinate funding and closing process with the lender, borrower, attorney and other related third parties.

Review title reports, closing statements, surveys, environmental, property condition reports, insurance and other exhibits

insuring no losses as a result of improper closing procedures.

Effectively manage closing problems by identifying and recommending solutions to meet the requirements of the Bank.

Recommend needed changes to policy and procedures to minimize risk and maximize efficiency.

Ability to multi task, organize, prioritize and meet aggressive deadlines; dedicated team player toward staff development

and training.

Undertake special projects Compliance & Quality Control Exam Audits, Problem Loans and other related assignments as

the situation dictates.

References Available Upon Request-

Confidentiality Requested

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