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Commercial & Consumer Mortgage Loan Processor

Tampa, Florida, United States
August 28, 2017

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Susana Vega

Temple Terrace, FL *****

Email: Mobile: 305-***-****


Commercial and Consumer Loan Processor with over 25 years of experience in various areas in the banking industry. Recognized as an effective and motivational team player with a consistent record in delivering positive results as well as independently and perform well under pressure; Detailed and Attention Oriented, Time Management & Project Management Experience; Focused on company’s objectives, growth and development. Excellent interpersonal customer services skills and support at all levels of the organization; Bilingual in both English and Spanish. Areas of expertise include:

• CRE • HELOCS / Residential • Private Banking-Credit

• Commercial • SBA • Loan Operations/Adm

• Consumer • Construction • Compliance


BANK HAPOALIM, Aventura, FL 2014 - 2017

Credit Associate

Prepared credit applications for new and existing customers, perform review of customer loan request to determine compliance with policy and access the borrower’s ability to repay

Prepared and reviewed new and renewal documentation for loans, revolving lines and letters of credits

Reviewed credit facility and collateral documentation for accuracy and completeness

Checked value and ensure collateral is securely pledged

Prepared credit commitment, disbursement and fee booking tickets

Monitored collateral risk and changes within portfolio for financial repayment capacity and policy compliance

Prepared and maintained credit and loan files

Processed daily OVD report

Processed daily IFPM – collateral report

Pledged and released securities when applicable

Adhere to compliance and AML guidelines


Credit Administration Assistant

Prepared and reviewed all type of loan documentation in-house closings for complex loan packages and ensured compliance with company policies, procedures and banking regulation

Read and interpreted commitment letters to ensure conformity of paperwork

Reviewed loan drafts and closing statements prepared by Attorneys related to commercial real estate loans prior to closing

Liaised and coordinated directly with lenders and attorneys to address issues and answer questions related to mortgage and loans to insure terms and conditions are satisfactory to the customer and the lender and followed-up for missing items needed to create accurate loan documents

Reviewed all types of insurances for accurate dwelling amount and information prior to loan closing; reviewed Flood Determinations and Notice to Borrower to ensure compliance and regulations

Checked value of customer collateral to be held as loan security

Verified and examined accuracy of submitted commercial and consumer loan applications and all closing documents have been received and signed; approving for funding

Evaluated all loan advance disbursement requests and ensured timely resolution

Assembled and compiled documents for all types of loan closings

Provided optimal level of customer services and ensured optimal quality of services

SUSANA VEGA Page 2 of 2

Prepared Allonge to Note, Modification of Mortgage and Settlement Statements for non-performing asset loans for the Special Assets Department

Input and maintenance tickler system for follow up documentation, UCC and insurance expiration on all new loans closed and existing loans

HMDA reporting and transmission

Prepared month end reports for Board of Directors

Administered in processing forms and assisted in coding all new loans and renewal for booking process

Reviewed Residential Notes and Closing Statements for accuracy prior to funding and booking

Calculated, reviewed, and corrected errors on interest, principal, payments, and closing costs, using computers or calculators

Booked all type of loans in the system, processed all loan payments, disbursed funds & advances

Replied to clients’ queries and requests related to loan product information and loan procedures

Prepared estoppel letters requested by attorneys and customers

Prepared and processed Satisfaction of Mortgages and paid off loans

Assisted E-Oscars reporting and updates

Three time Recipient of the Employee of the Quarter Award and Employee of the Year

CREDIT BANK, Coral Gables, FL 1987 - 1990

Loan Document Specialist

Prepared all type of loan documents; Gather loan document packages after closing to prepare entries for the booking of the new and renewal loans and send packages for completion of booking. Processed loan payments and paid loans in a timely manner; Insurance verification and UCC Searches.

Head Teller 1984 - 1987

Very knowledgeable Head Teller with experience in supervising tellers in the area of transactions, referrals and services.


Loan Closing Academy Commercial Documentation

Florida Real Estate Principles, Practices & Law

WordPerfect, Lotus 123, Microsoft Word,

Loan Processor plus Consumer Loan Documentation Training


Bankers System – Arta Lending Documentation Software


Laser Pro


JackHenry Silver Lakes



Baker Hill One Point Tracking System

Document Manager Tracking System

OCC Program


Metro Dade ProComm Plus

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