Manager Assistant

Laura Behrendt

Commercial Lender Assistant

Kannapolis, NC

acd8vk@r.postjobfree.com - 704-***-****

To use and share all of my experience and education gained in my 22 years in banking to help thrive in a

financial environment and to be a part of helping that financial business to grow and become the best bank

possible.

WORK EXPERIENCE

Commercial Lender Assistant

Farmington Bank, Farmington Bank - 2011 to 2014

Monitored Daily Overdrafts and Delinquencies for the 6 CRE Commercial Lenders. Made calls or emailed the

clients if necessary.

- Mailed letters to clients for updated financial information. Logged all financials received into tracking software

(Madison.)

- Tracked upcoming renewals and completed the renewals package for Underwriting. Updated the file with

a new OFAC, UCC Report and Secretary of State Business Filing. Once approved, prepared the loan

documentation to be signed by client or contacted the attorney to complete the loan documentation and

scheduled the closing.

- Completed monthly reports for the Lenders and renewed any UCC's and contacted Insurance companies if

a renewal certificate was not received.

- On new loans helped the Lender get the loan package prepared for approval. Prepared Commitment letters.

Once Approved completed an OFAC and Secretary of State business filing search and any other compliance

documentation needed. Reviewed the loan documents prepared by the attorney, and disbursed the funds at

the closing. Worked with Lender and Client to schedule closing dates with the attorney.

Small Business Loan Processor

Webster Bank - New Britain, CT - 2010 to 2011

Handled all the Small Business loan Renewals and Modifications

- Followed up on Vehicle Titles with the DMV, Verified insurance coverage, performed UCC searches and

completed all new UCC required for any loans.

- Helped out the Small Business Lenders in any way needed.

Senior Credit Analyst

Aquesta Bank - 2008 to 2009

Reviewed the Financial information received and calculated DSC and LTV Ratios. Entered all financial

information into Credit system (Baker Hill) and discussed with Lender the pros and cons of the relationship

pertaining to the credit analyzed. Offered the terms and conditions I found acceptable with the relationship and

bank, discussed with lender then finalized loan approval.

- Helped Executives with policies and procedures in regards to compliance, regulations and documentations.

Small Business Portfolio Manager

First Charter Bank - Charlotte, NC - 2000 to 2008

Commercial and Consumer Loan Documentation Specialist

- Managed all New loans, Renewals, and Modifications by requesting financial information in a timely manner.

Once all financial information was received I entered financial information into a excel spreadsheet, calculated

DSC and LTV and Collateral Values. Discussed loan with Manager and we decided on what the terms and

Conditions would be.

- Worked the Delinquency list weekly by making calls to clients and writing letters. Kept a list of the troubles

loans and monitored them and transferred to special assets with they became serious delinquent.

- Pulled a new credit reports on new and renewal loans and pulled the Secretary of State verifying they are

still active and up to date on their Annual Reports and reviewed the updated credit report and made note of

any changes.

- Formulated procedures and manager reports for department. Printed these reports each month and

discussed them with the Lenders.

- Monitored Credit Risk grades, and tested Covenants to assure loans were graded accordingly and meeting

their Covenants.

- Handled all loan advance request from clients.

- Researched and corrected any exceptions after a loan closed.

- Reviewed relationships for additional products and services they could use. Helped open new accounts for

clients.

- Prepared loan documents for consumer and commercial loans. Ordered and reviewed Title Commitments,

insurance, flood and HUD 1 statements if attorney closing

EDUCATION

Banking

Rowan Cabarrus Community College - Concord, NC

2001 to 2003

Accounting

Manchester Community Technical College - Manchester, CT

1993 to 1995

Ellington High School - Ellington, CT

ADDITIONAL INFORMATION

Computer Skills

Microsoft Excel and Word, Outlook, Baker Hill, Power Lender, BFI, Intranet, Medic Documenter, Laser Pro,

AS400, One Touch and Silverlake. I also have extensive knowledge with all office equipment.

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