Deborah L. Kolano

** ********* ****, *******, ** 06084

Home: 860-***-**** Cellular 860-***-****

E-mail: ac69fw@r.postjobfree.com

OBJECTIVE

To effectively employ my knowledge, administrative skills, and office management ability in a stimulating and rewarding environment that offers a professional career challenge.

EMPLOYMENT

COMMERCIAL CREDIT ADMINISTRATOR, SPECIAL ASSETS (2016 to 2018) United Bank, Hartford, CT

Prepares commercial commitment letters for both internal and external closings

Orders reports such as appraisals, environmental reports, flood certifications, credit reports and Lexis Nexis reports as appropriate

Reviews Notes and other documents drawn either internally or externally by the Bank's attorney for accuracy and completeness

Prepares, requests, reviews and sends appropriate modifications

Discusses closing requirements with the lenders and attorneys as needed and ensures that all closings occur within scheduled target dates

Ensures that commercial loans are in compliance with appropriate regulations

Assists with entering commercial loans on the Jack Henry system and provides Jack Henry account maintenance

Maintains and processes Letter of Credit issuance and renewals

Request and monitor all financials, obtain required documents and follow up when needed

Tracks legal files and monitors attorneys' progress regularly making contact pertaining to status of accounts

Assists in making arrangements for the sale of bank-owned assets

Assists with problem asset and OREO accounting, A/P preparation

Works with a third party vendor to monitor required insurance binders

Assists with the preparation of legal documents for execution

Responsible for the transfer into the department of all problem loans

Maintains tracking systems for new transfers into the department

Responsible for delivering loan documents to attorneys for all new transfers

COMMERCIAL CREDIT ADMINISTRATOR (2013 to 2016)

United Bank, Glastonbury, CT

Prepares commercial commitment letters for both internal and external closings

Orders appraisals, environmental reports and flood certifications as appropriate

Reviews Notes or other documents drawn either internally or externally by the Bank’s attorney for accuracy and completeness

Discusses closing requirements with the borrowers and attorneys as needed and ensures that all closings occur within scheduled target dates

Verifies that all pre-closing conditions have been satisfactorily met and that required loan covenants are properly documented

Prepares, requests, reviews and sends appropriate modifications

Record any deeds or UCC filings with appropriate authorities

Performs pre-closing and post-closing quality control review on all files for accuracy

Monitors all collateral and documentation exceptions, follow up with customers and/or attorneys to resolve exceptions

Monitors Lines of Credit and verify borrowing base certificates upon receipt of aging of receivables and inventory balance sheet accounts

Complete advance requests after verifying receipt of required documents and ensuring appropriate availability on line

Update Jack Henry system with financial dates and covenant data

Book all closed loans onto the Jack Henry system; enter HMDA and/or CRA information into system

Responds accurately to customer inquiries for information and provides effective problem resolution as needed

COMMERCIAL LOAN & COLLECTION ADMINISTRATOR (2005 – 2013) Rockville Bank, Glastonbury, CT

Prepares all pertinent closing documentation for commercial mortgage files via Laser Pro document preparation software

Assist several Vice-Presidents in various loan process and/or administrative duties

Retrieval of all pertinent reports for UCC-1, credit reports, OFAC checks and flood certifications for new commercial files

Responsible for administrative tracking of closed loans including documentation exceptions, requests and receipt of updated financial information

Responsible for collection and processing of fees due on loan closings

Set up and maintaining of files for delinquent loan accounts; in house files, attorney files, foreclosure/OREO files

Contacts borrowers by telephone and sends past due notices

Prepares demand letters for past due loans

Meets with borrowers to discuss and resolves problems, as needed

Negotiates and establishes repayment schedules

Accordingly updates Jack Henry system with all communications with borrower

Refers delinquencies to collection or repossession agents, as deemed necessary

Debit loan payments from RB funding accounts via setoff for past due loans as well as partially charged-off loans and properly keeping record

Set up and maintenance of Deferred Loan Payment Agreements

Set up and maintenance of all bankruptcies and/or payment records

Track bankruptcies and prepare all claims for collection and/or court proceedings

Tracks and maintains records for all deficiency loans and charged-off loans

Makes arrangements for sale of bank-owned properties

Coordinates the securing and utilities for bank-owned properties

Responsible for paying all legal, appraisal and other bills in regards to past due/OREO accounts and keeping proper record via Jack Henry system

Refers delinquencies to attorneys as deemed necessary for collection and/or foreclosure proceedings

Track legal files and monitor attorney progress, make regular contact for status of accounts

Orders necessary reports on delinquent loans such as credit reports, automated valuation reports, delinquency reports, recovery and charge-off reports

Balance all commercial, residential and consumer GL accounts for charge-offs and recoveries on a monthly basis

Prepare and distribute monthly delinquency reports

ADMINISTRATIVE ASSISTANT, COMMERCIAL MORTGAGE (2001 – 2004) Savings Bank of Manchester, Manchester, CT

General administrative duties including but not limited to answering phones and screening calls, faxing and copying documents, distribution and screening of mail, composition of internal memos, front desk assistance for clients, ordering of supplies, resolve borrower problems, etc.

Respond to inquiries regarding research, interpretation and/or problem solving in a timely and professional manner

Assist credit analyst and several Vice-Presidents with administrative duties

Oversee the maintenance of office inventory and equipment

Coordinate meetings and appointments; compile all relevant information needed

Create new filing systems for department utilization

Create new client commercial mortgage and commercial construction files via hard copy and database

Prepare all pertinent closing documentation for commercial mortgage and commercial construction files

Composition and editing of loan write-ups and commitment letters

Create credit files for all new commercial mortgage and commercial construction files

Processing of wire transfers and loan advance disbursements

Responsible for the collection of monies due on appraisal, environmental and lead paint reports

Composition of annual inspection report for all commercial mortgage and commercial construction files

Compose and edit mortgage modification agreements for borrowers; generate checks for processing

Responsible for all pertinent mailings, invitations, responses, promotional items for annual bank sponsored Open Hearth Golf Tournament

ADMINISTRATIVE ASSISTANT, MERCHANT SERVICES CENTER (1999 – 2001) Savings Bank of Manchester, Manchester, CT

General administrative duties including but not limited to answering phones and screening calls, faxing and copying documents, distribution and screening of mail, front desk assistance for clients, ordering of supplies, etc.

Act as liaison for bank sales executives

Review and revision of new merchant applications for SBM board approval

Processing of monies due for new account set-ups

Establish new merchant accounts via hard copy and database

Ensure proper set-up with relevant company of all entitlements being added to new accounts: Amex, Discover, Debit, etc.

Client services and public relations; establish new merchant leases, process lease and equipment payments, resolve terminal and credit card dysfunction disputes

Responsible for the maintenance of the MSC dividends program; generate quarterly statements for all merchants, generate quarterly and year-end reports, input all incoming dividend requests to merchant accounts and general ledger accounts

ASSISTANT, EXECUTIVE OFFICES (1998 – 1999)

Savings Bank of Manchester, Manchester, CT

Assist several Vice-Presidents with administrative duties

Preparation of commercial loan documentation for client closings

Management of highly confidential financial and bank executive information

ASSISTANT, HUMAN RESOURCES (1997)

Savings Bank of Manchester, Manchester, CT

Assist department personnel with administrative duties

Maintenance of confidential employee information

Coordinate appointments while maintaining confidentiality

CLERK, LOAN/DEPOSIT SERVICING (1988 – 1997)

Savings Bank of Manchester, Manchester, CT

Assist department manager with administrative duties

Compile pertinent information for different bank departments

Data entry; responsible for accurate entry of automobile, personal, residential construction and mortgage loan payments

Processing of all applicable monies due for new account set-up on automobile, personal, residential construction and mortgage loans

Processing of loan advances

Review and revision of new loan set-up reports

Composition of release of mortgage documents, attorney request letters and year-end interest statements

Recording and filing of mortgage deeds, Notes and automobile titles

Assist with quarterly, semi-annual and annual tax bill requests

EDUCATION

EASTERN CONNECTICUT STATE UNIVERSITY (1997-2001)

Willimantic, CT

Bachelor of Arts in Psychology

Dean’s list student

SKILLS

Able to work independently or as an integral part of a team

Able to manage a variety of tasks competently and efficiently

Ability to type quickly and accurately

Extremely self-motivated and energetic

Solve problems quickly and effectively

Excellent written and verbal communication skills

Able to maintain the discretion of confidential employee and/or borrower information

Interface effectively with customers and all levels of company personnel

Prioritize work duties to achieve job objectives

Work well in a past paced, high-pressure environment

Perform tasks accurately and professionally while meeting set deadlines

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