Loan Real Estate

Liana DiMaio

* ********* *** *****

Montville, NJ 07045

Home: 973-***-****

Cell: 908-***-****

Objective

To obtain a credit position within the Commercial Lending area of a financial institution in the Northern/Central New

Jersey area, that will utilize my experience and provide me with professional growth and advancement.

Work Experience

Loan Operations Support, Enterprise National Bank NJ, Kenilworth, NJ

(08/2008 – Present)

Responsible for all the loan department’s operations duties, including pre-closing and post- closing tasks as

follow:

Loan Operations: Print and distribute daily and monthly loan reports, print and mail all loan billing

statements, notices, etc., process loan payments, process loan advance requests, post loan block entries, book new

loans on Fiserv system, process all maintenance of existing loans, process renewals, extensions and/or

modifications of existing loans, prepare Payoff letters, weekly and monthly Reconcilements of various loan general

ledger accounts (i.e. Loan Fees in Process, Loans in Process, Deferred Fees).

Pre-Closing: Assist Loan Operations Officer with: ordering and reviewing of all necessary searches

(i.e. property, flood, judgments, UCC, etc), prepare Loan Documentation on Laser Pro and coordinate with Bank

counsel to ensure correct language, covenants, conditions etc. are contained in loan documents, prepare loan

documentation package, attend closing to ensure all documents are executed and explain terms of loan to

Borrowers. Assist Credit Department with preparing Commitment Letters, sending out bids for appraisals, legal fees,

inspections; ordering appraisals, inspections and flood searches;

Post-Closing: Monitor and follow-up of property and flood insurance policies with customers and/or

insurance agents to ensure the Bank’s record always contain the current policy information, monitor daily Past Due

Report, monitor and follow-up of real estate tax reports to ensure customers are up to date with real estate tax

payments; process wires for the participation payments received; prepare and submit UCC filings to prevent the

Bank’s liens to expire, prepare and mail mortgages, assignments of leases, UCC’s and auto titles for recording,

follow up with attorney if the recording process was performed by counsel, assist Credit Analyst by requesting from

Borrowers the necessary tax returns and personal financial statements for Annual Reviews and Matured Notes.

Operations Assistant, Enterprise National Bank NJ, Kenilworth, NJ

(02/2004 – 08/2008)

Weekly posting of Accounts Payable.

Daily block entries for Operations, Loan Department, Securities, Payroll.

Post End of Month entries

Daily and Monthly Reconcilements for various Correspondent Banks, Federal Reserve Bank, Atlantic Central

Bankers Bank, Federal Home Loan Bank, Internal Bank Accounts, various loan general ledger accounts.

Review of various Daily Reports, Exception Item Module Reports for Non-Posts, Stop Payment Suspects, DDA

Reports, Savings Accounts Reports, Certificate of Deposit Reports, Currency Transaction Report, Application

Balancing Reports.

Manage Deposited returned checks.

Manage Incoming and Outgoing wire transfers, both domestic and international.

Transmit daily Sweep Settlement to Atlantic Central Bankers Bank, post and record daily interest received on Fed

Funds.

Accounting Assistant, New Millennium Bank, New Brunswick, NJ 08901

(07/1999 – 02/2004

Assist the Chief Financial Officer with the daily operations of the accounting department, including supervising

junior level accounting clerks.

Record general ledger entries pertaining to daily branch and loan transactions.

Reconcilement of all general ledger accounts on a monthly basis.

Assist Chief Financial Officer with producing all financial reporting filed with the State of New Jersey and the

FDIC.

Manage all incoming and outgoing wire transfers, including both domestic and international wires.

Interface directly with the Federal Home Loan Bank, Federal Reserve Bank and correspondent banks.

Administrative Accountant, Magyar Savings Bank, New Brunswick, NJ 08901

(09/1991- 07/1999)

Record general ledger entries pertaining to loan transactions.

Reconcilement of various general ledger accounts, including consumer and commercial loan accounts, and

outstanding Federal Home Loan Bank checks.

Prepare month-end adjusting entries and assist monthly closing of books.

Handle incoming and outgoing domestic and international wire transfers.

Held teller position from 1991-1992 before being promoted to administrative accountant.

Education

Completed various accounting and computer classes at Middlesex County College.

Graduated High School in Oradea, Romania.

Skills & Competencies

Multilingual: Fluent in English, Romanian, and Hungarian.

Computer Skills: Microsoft Windows, Microsoft Office

Client Focus – I’m dedicated to meeting the needs of clients; I listen effectively and establish and maintain

relationships and gain client’s trust and respect.

Ethics, Integrity and Trust – I consider ethical issues before decisions are made and seek to achieve results that

are in the best interest of the company.

Ownership, Accountability, Responsibility and Compliance – I take ownership of tasks, projects, and relationships

and follow through on obligations and promises.

Self Development and Learning – I am personally committed to learn and I actively work to continuously develop

professionally.

Teamwork and Collaboration – I work collaboratively; I find common ground and solve problems for the good of

all and I can represent his/her own interests and yet be fair to the team.

Time Management – I use my time effectively and efficiently; I value time; I concentrate my efforts on important

priorities and I complete tasks and projects on time.

Contact this candidate