Fremont, CA

Cell: 510-***-****

acb6l7@r.postjobfree.com

Objective: Seeking a position where I can utilize my educational and work

experience and to obtain a responsible position offering career

opportunity, expansion of knowledge and immediate challenge.

Skills:

> Extensive knowledge of Community Development Act, and

practical implications.

> Ability to exercise Analytical thinking and diplomacy to

solve problems

> Complicated problem solving ability and detail oriented.

> Knowledge of Sarbanes-Oxley Act.

> Strong knowledge and understanding of BSA,AML and HMDA.

> Able to multitask and meet deadlines while ensuring accuracy

and efficiency.

> Strong knowledge of various types of collateral and

perfection issues for consumer and commercial facilities.

> Experience handling highly sensitive and confidential

information.

> Excellent written and verbal communication skills necessary

to interact with Varity of clients.

> Proficient with MS Office (MS Word, Excel, Outlook, Power

Point)

> AFS Loan Systems, Centrax, On Base Report, TValue, Business

object, and Diligence (UCC).

> Comprehensive knowledge of banking requirements and

regulations, including knowledge of Loan syndications and

participation.

> Familiar with libor re-pricing, various interest payment

methods and facilities with interest period and unused fee

calculations.

Education: Associate Degree in Business Administration

Ohlone College,

Fremont CA

Business Management

California State University, Hayward

Experience:

CRA\Fair Lending Compliance Analyst - Legal Group

First Republic Bank January 2011

- January 2014

San Francisco, CA

> Reviewed and analyzed the Bank's lending performance, data

verification on Small Business and Community Development

loans for CRA regulatory reporting.

> Monitored and maintained bank's defined CRA assessments

areas.

> Facilitating community partnerships with nonprofit

organizations and government agencies.

> Monitored and recommend enhancements to the lending, service

and investment strategies to support CRA efforts.

> Provided the CRA committee loans, investment and service

activities quarterly

> Compiling year end reporting as required by CRA and HMDA

regulation and updated CRA Public files as needed.

> Audited data for systemic problems and discrepancies.

> Prepared annual CRA reports for the bank with the Federal

Reserve and applicable regulations.

> Assisted closely with managing CRA budget, donation and

grants.

Analyst - Internal Control, Lending Services

First Republic Bank August 2007 -

January 2011

San Francisco, CA

> Performed Sox testing with Socrates(ML SOX program)

> Responsible for auditing the daily data entries in the AFS

loan accounting system, insuring accuracy and timely

completion.

> Responsible for reviewing Index Rate Changes on AFS.

> Conducted Commercial loan audit by bank policy and

regulations.

> Provided staff with regular feedback on errors and

resolutions.

> Developed processes, strategies and procedures on improving

the workflow to ensure the accuracy of the date.

> Enhanced the company's internal controls and operating

efficiencies.

> Coordinated with other groups within the bank to ensure

accuracy of data.

> Involved with various aspects of loan processing.

> Assured accurate processing of payments, disbursements and

changes to the loan portfolio.

> Analyzed, made recommendations and strategized process

improvements using internal resources and systems

Loan Operation Specialist

Silicon Valley Bank January 2004

- August 2007

Santa Clara, CA

> Review and understand the Terms and Conditions (T&C's) for

commercial and private client loans

> Performed QC for various different forms of loans by

following Quality Control Checklist.

> Other daily office duties include; solving problems

> Responsible for all aspects of loan processing.

> Assures accurate processing of payments, disbursements and

changes to the loan portfolio.

> Communicate with Teams regarding process and Feedback

Process.

> Establishes ticklers for loan fees, develops a master

document for each multi-bank loan which sets out split

percentages, fees, rates, etc.

> Knowledgeable with various types of loan products, programs,

such as: Libor prime loans, Participation, Syndications and

Gold Hill.

> Commercial Loan audit by Bank policy and regulations.

> Review and understand the Terms and Conditions (T&C's) for

commercial and private client loans

Loan Auditor

Fremont Bank January 2003 -

November 2003

Fremont, CA

> Review loan applications and file documentation for Investor

Guideline criteria.

> Order Flood Certification, Credit Reports and review for

conditions.

> Initiate notification to Loan Officer and Borrower for

decline or counter-offer issues.

> Review of files in compliance with stated policies and

procedures, including but not limited to completion of the

Quality Control Checklist for each file reviewed.

> Keep abreast of changes in Federal and State regulations and

maintain a working knowledge of California Real Estate Laws

as they pertain to Banks and Fremont Bank's products and

services.

> Audit loan files for company policies, documentation

requirements and loan approval requirements.

> Maintaining daily workflow log and keeping up assigned goals

and duties.

Contact this candidate