Manager Executive Assistant

CARI CHAO

786-***-**** *********.**@*****.***

SUMMARY:

Principal strengths include overall knowledge of the Domestic and International banking industry. Excellent written and verbal communication skills in English and Spanish.

PROFESSIONAL EXPERIENCE:

IBERIABANK – November 2017 to Present

Commercial Real Estate Assistant

Provide Lending Support to Relationship Managers. Assist with maintaining Relationship Managers portfolios – clear loan, collateral and deposit exceptions, credit exceptions, assist with past dues.

Provide assistance to the bank's clients in all areas of the clients’ relationship with the bank, including loans, deposits, and other bank services. Authorize payment and fees of client overdrafts. Process wire requests for customers.

Approve and process client’s withdrawals on lines of credit

Communicate with clients, attorneys, insurance companies, title companies, and various other professionals. Order in ordering appraisals, flood determinations, Uniform Commercial Code’s (filings) and familiar with Office of Foreign Asset Control (OFAC).

Work closely with Bankers, Underwriters, and loan operations to ensure satisfactory on-going monitoring of loans to clients.

Work closely with Bankers, Treasury Management, and deposit operations to ensure satisfactory on-going monitoring of depository/Treasury Management accounts/services to clients.

Open new accounts and ensure all required documentation is obtained from the customer

Assist Relationship Manager in the upload financial information and client detail into central repository throughout the underwriting process.

Assist Relationship Manager as requested in gathering financials for new and renewal opportunities with clients.

Assist in preparation of Commitment Letters and Payoff letters as requested by Relationship Manager

Provide support to Relationship Manager through population of credit file (Loan Quality Assurance System) of information received from clients and underwriters (financial statements, covenant checks, etc.)

Assist as requested by Relationship Manager in monitoring exception reports (financial, covenant, annual review, etc.) Assist as requested by Relationship Manager Collection of financial information from clients.

MERCANTIL COMMERCEBANK – January 2015 to November 2017

Personal Banking International – BSA/KYC Quality Assurance, Administrative Lending Assistant.

BSA/AML, KYC - reviewing accounts activity, contacting customers to validate account transactions, validation of supporting documentation jointly with the account officer. KYC re-profiling and update. Perform OFAC/AMS for CDD/EDD update.

Ensure that account documentation is current and in conformity with regulatory requirements (especially Bank Secrecy Act & Anti Money Laundering), ensuring adherence to Agency's policies and procedures, regulations and sound banking practices.

Provides timely response to any compliance issues detected by the ECS monitoring system, including individual transactions, and patterns of unusual activities or deviations from expected activities.

Maintain routine contact with clients. Confer with customers on interest rates, transfer instructions, obtaining and preparing credit information and loan documentation.

BANCO PICHINCHA MIAMI AGENCY -February 2010 - Jan. 2015

Business Area Assistant/ Jr. Account Officer

Maintain routine contact with clients. Confer with customers on interest rates, transfer instructions, obtaining and preparing credit information and loan documentation.

Ensure that account documentation is current and in conformity with regulatory requirements (especially Bank Secrecy Act & Anti Money Laundering), ensuring adherence to Agency's policies and procedures, regulations and sound banking practices.

Provides timely response to any compliance issues detected by the ECS monitoring system, including individual transactions, and patterns of unusual activities or deviations from expected activities.

Provides customer service on the phone and in person by answering inquiries promptly and courteously, following client instructions including investigating account problems.

Responsible for managing existing client relationships, including but not limited to: Update client's information (Address, telephone, etc.), Reference Letters, Transfers, Check Orders, among others.

INTERNATIONAL FINANCE BANK- May 2008 to Feb. 2010

Credit /Lending Administration Assistant

Provide full administrative support to Vice President -Credit Administration/Operations

Supervise administrative services on Domestic, Commercial and International Accounts as well as Loans.

Follow up on Technical Exceptions, such as Insurances, Financial Statements, Tax Returns, Property Taxes, etc.

Communicate directly with Loan officers and Attorneys to address issues related to loan closing and credit packages. Review all loan documents prepared by Attorneys prior to closing.

Verification of signatures, dates and legal descriptions on all legal documents. Verify Line of Credit Advances as needed including Home Equity Lines. Prepare Credit Reference Letters. Prepare report and follow up on Folio Numbers for Real Estate Loans. Prepare estoppel information requested by customers and attorneys.

Prepare loan files and enter customer and loan origination in One Point tracking system for proper follow up. Follow up on monthly basis Force Placed insurance Report and letters sent by Insurance Brokers.

Request OFAC reports on Commercial and Individual Accounts

SUN AMERICAN BANK, N.A. -March 2004 to May 2008

Executive Lending Assistant - Credit Administration

Provide full administrative support to E.V.P - Chief Lending Officer

•Assist in preparing Weekly and Monthly Reports for Executive Loan Committee and Board of Directors Meeting.

•Update Criticized Asset Report on non-performing loans for Executive Loan Committee, Board of Directors.

•Compile Pipeline Reports from Loan Officers into a weekly report for review by the Senior Lending Officer.

•Tracking and follow up on Technical Exceptions.

•Prepare Loan presentations for Credit Analysts to present at Loan Committee.

•Supervise administrative services on Personal & Commercial Accounts as well as Loans.

•Assist the BSA department in the review and completion of pertinent documentation on domestic and international account files.

•Handled daily overdraft report to include decision making on paying or returning.

•Direct customer inquiries, internal investigations, wire transfers, time Deposits, etc.

•Assist Lending Officers in processing construction draws on R.E. Construction Loans.

•Prepare Loan presentations for Credit Analysts to present at Loan Committee.

•Obtain account and loan information for verification.

•Review loan documentation on Warehouse Lines for funding.

BANCO INTERNACIONAL DE COSTA RICA – May 1999 to March 2004

Executive Assistant -Administration/Correspondent Banking Assisted General Manager in overall administrative duties

•Daily telephone contact with Senior Management from Costa Rica, Panama and Guatemala.

•Composed letters and internal replies. Scheduled/arranged business trips, appointments and interviews.

•Prepared Business Expense Reports for Senior Management

•Prepared and scheduled Board of Directors Meetings inMiami

•Served as backup for the Correspondent Banking Department

GEO Coding and OFAC reports on customers and R.E. properties.

BANCO INTERNACIONAL DE COSTA RICA – May 1999 to March 2004

Executive Assistant -Administration/Correspondent Banking Assisted General Manager in overall administrative duties

•Daily telephone contact with Senior Management from Costa Rica, Panama and Guatemala.

•Composed letters and internal replies. Scheduled/arranged business trips, appointments and interviews.

•Prepared Business Expense Reports for Senior Management

•Prepared and scheduled Board of Directors Meetings inMiami

•Served as backup for the Correspondent Banking Department

REPUBLIC NATIONAL BANK OF MIAMI - 1997 to May 1999

International Lending Associate - Correspondent Banking

•Provide full support to Senior Vice President and Lending Officers with short term loans to correspondent banks, trade transactions, etc. including availability of funds on lines of credit for funding. Credit references, verification of signature authority on accounts/loan documentation, direct customer inquiries, internal investigations, wire transfers, Time Deposits, new accounts, etc.

•Prepared and Updated Country Exposure Report for Board of Directors.

•Prepared Loan Approval forms for presentation to Loan Credit Committee.

SOFTWARE AND LANGUAGES

Microsoft

Microsoft Excel

PowerPoint

One Point Tracking System

OFAC

Bank way & AS 400

Jack Henry/Silverlake

Fed Link

Quickview & Datastore Systems

MC3, Hummingbird Document Library,

Applink Credit Card/Loans

EDUCATION

Miami Dade Community College

Various AIB Courses, including Principals of Banking.

Letters, Memos and Reports (Dunn & Bradstreet)

Business Grammar and Usage (Fred Pryor Seminars)

Customer Satisfactions and Telephone Skills (CSMB)

Servicing the Telephone Customer (Omega)

BSA & Money Laundering Seminars

Remote Banking System

Excel 5.0 Introduction

Microsoft PowerPoint Introduction

REFERENCES AVAILABLE UPON REQUEST

Contact this candidate