Title:Deborah Spencer
**********@***.***
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Name: Deborah Spencer
Address:
City: Phoenix
State: AZ
Zip/Postal Code: 85014
Country:
E-mail: **********@***.***
Primary Phone: 602-***-****
Background
Most Recent Job Title: Commercial R/E Loan Coordinator
Most Recent Employer: Johnson Bank
Career Level: Senior (Non-Manager)
Availability or Timeframe: Negotiable
Authorized to work in the US: Yes
Security Clearance:
Do you have transportation: Yes
Over 18: Yes
Education: Some College
Languages Spoken:
Job Preferences
Desired Salary: $46,000.00 Yearly
Willing to Relocate:
Desired Job Titles:
Desired Job Types: Employee
Work Status: Full Time
Desired Shifts: 1st Shift
Desired Travel:
Category: Administrative/clerical, Banking/Finance, Legal
Company Size:
Company Type:
Industry: Administrative and Support, Banking / Finance, Construction, Legal Services
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Deborah Spencer 2
DEBORAH L. SPENCER
**********@***.***
Residence: 602-***-****
SUMMARY
An accomplished Loan Coordinator with extensive experience in the banking industry.
Proven ability to adapt quickly to a challenge, able to work independently and recognized
as a participative team member, experienced in processing and administering of complex
commercial real estate loans in addition to consumer loans. Prepared and worked with
attorneys on loan documentation and closing of $10,000,000 to $30,000,000 land acquisition
and sub-division loans. Excellent problem solving and interpersonal skills with internal
and external clients.
PROFESSIONAL EXPERIENCE
JOHNSON BANK, Phoenix, AZ 2005 to 2009Commercial Real Estate Loan Coordinator III
Provided loan and administrative support to the senior commercial real estate lender with
$100,000,000 loan portfolio comprised of complex credit-related activities on current and
potential borrowers.
. Completed construction loan due diligence and review of the loan transaction and
underwriting assumptions supporting the Bank's decision to finance a real estate
transaction ensuring consistency and conformity with loan approval.
. Evaluated contents of the loan documents, condition of title for the property being
mortgaged and the organizational documents of the borrowing entities. Ensured proper
filing of collateral and maintenance and set-up of credit files.
. Prepared Participation Agreements, disbursement and closing for new and existing loan
requests.
. Gathered receipt of financial information to comply with loan covenants and to ensure
compliance with state and federal regulations and bank lending policies.
. Mentored and guided other commercial loan coordinators in the processing and
documenting of commercial real estate transactions. Assisted Retail Bank with consumer and
Home Equity loan documentation and closing.
. Loan documentation requests and booking of new and renewed loans, processing real
estate loan payments and advances. Researched errors on client accounts and prompt
response to client inquiries.
OHIO SAVINGS BANK/AMTRUST BANK, Scottsdale, AZ 2003 to 2005Construction Loan Closer
Due diligence investigations, evaluating the loan transaction and underwriting
assumptions supporting the Bank's decision to commit to finance a real estate transaction,
ensuring consistency and conformity with loan approval and loan closing protocols.
. Evaluated contents of attorney prepared loan documents, condition of title for property
being mortgaged and the organizational documents of the borrowing entities.
. Communicated the Bank's policies to real estate borrowers, their counsel and the Bank's
outside counsel with respect to legal and underwriting issues.
. Act an as intermediary between management and outside counsel representing the Bank in
commercial loan transactions and negotiation of loan documentation.
. Monitored and coordinated outside attorneys representing the Bank in commercial loan
transactions including new loan and modification of existing credits.
VALLEY FIRST COMMUNITY BANK, Scottsdale, AZ 2001 to 2003
VALLEY COMMERCE BANK, Phoenix, AZ 1996 to 2001Loan Specialist/Loan Administrative Assistant
Supported senior lending officers with complex credit-related activities on current and
potential borrowers. Standard loan set-up and maintenance of Laser Pro Windows.
. Prepared Participation Agreements, Consumer, Commercial and Home Equity loan
documentation, disbursement and closing for new and existing loan requests and renewals.
Ensured proper filing of collateral and maintenance and set-up of credit files.
. Processed payoff statements, UCC-1 searches, order appraisals and environmental
reports, order and review of title commitments, flood certifications and credit bureaus on
existing and current credit requests.
. Reviewed loan documentation and loan agreements; assisted in receipt of financial
information to comply with loan covenants and to ensure compliance with state and federal
regulations and bank lending policies.
. Loan booking of new and renewed loans, processing of consumer, commercial,
participation and real estate loan payments and advances. Review of commercial loan
billings and research errors on client accounts and prompt response to client inquiries.
ADDITIONAL EXPERIENCE
Advanced through positions of increasing levels of responsibility including Executive
Administrator, Executive Assistant and Loan Specialist II
in the financial
services/banking industry. Held position in bookkeeping and collection of payments from
clients, correspondence, transcription of client interviews and special projects. Assisted
two lending officers with the preparation of loan requests and renewals.
EDUCATION
AA,
Legal Assisting, PhoenixCollege, Phoenix, AZ
(completed 57 hours towards degree
)
PROFESSIONAL DEVELOPMENT
. National Business Institute
seminars: Real Estate Closing A-Z, Real Estate Law:
Advanced Issues and Answers, How to Obtain Good Title in Arizona Real Estate Transactions
. American Bankers Association classes and webinars: Knowing Your Construction Borrower,
Construction Loan Management, Advanced Secured Loan Documents