Manager Sales

ANNET TE M . YARR I S

***** ******** **** *********, ***. P-14, Parma, OH 44130

216-***-**** ***************@*****.***

To obtain a challenging growth oriented position in which experience, and commitment to excellence will have valuable application. 20+ Years experience in the commercial/residential banking industry, detail oriented, fast learner. P R O F E S S I O N A L E X P E R I E N C E

KeyBank National Association

Real Estate Specialist

Provided guidance to relationship manager in pre-closing process by participating in conference calls with relationship manager, underwriter, title company, legal counsel, and customer as required, review of credit approval terms, preliminary title, and preparation of commitment letters. Prepared closing checklists identifying items and conditions to be satisfied, as well as the party responsible. Executed and followed-up on regulatory compliance procedures Coordinated and engaged outside consultants necessary for the transactions including counsel, appraisal, title, environmental and flood determination companies.

Drove the closing process identifying items and conditions to be satisfied, as well as the party responsible. Obtained and provided due diligence review of required exhibits in the transactions. Interpreted regulations, company policies and procedures, analyses the appropriateness of waiver requests, negotiates accommodation for exceptions and used judgment to determine acceptability of checklist requirements. Managed a pipeline of 40-50 transactions.

Proactively identified and resolved risk management and client service issues requiring interaction and negotiating with clients, third parties, sales staff and management; ensuring appropriate balance between service and risk mitigation. Worked closely with multiple parties to achieve a well-coordinated and timely closing, including attorneys, sales staff, borrowers, title agents, credit officers, Loan Services, etc. Ensured that loan documentation accurately represented the business terms and conformity to credit approval and policies; initiated and approved negotiated changes to reflect unique conditions. Prepared closing instructions for counsel/title company, authorized closings and initial funding. Ability to effectively communicate, educate, advise, and drive the diligence process while working with sales staff and/ or borrowers with limited real estate knowledge and experience Possessed the ability to recognize diligence concerns and take appropriate steps to protect the Bank by exercising good judgment in addressing exceptions and non-standard situations-achieving balance between client and risk mitigation

Practical understanding of applicable federal, state, bank and compliance regulations; plus Bank policies, and procedures

Knowledge of credit underwriting/approval methodologies Ability to drive multiple parties and processes in a high volume environment CONSTRUCTION LOANS

Reviewed construction contracts between the borrower and general contractor Reviewed hard cost details from the general contractor (AIA G703) Reviewed architect contracts between the borrower and general architect, including All-Risk-Builders-Risk insurance in the loan amount, borrower and G/C liability insurance of $1,000,000 or more, Workers comp insurance from the G/C Prepared transactions from SBU/CWA to CRINT

Completed the Fees, Disbursement, Real Estate and General Instructions Sections for documents of the Commercial Loan Work Sheet within CRINT

Prepared closing instructions to RM, Title Company/Attorney & Loan Origination Calculated LTV/LTP/LTC, match parcel and legal description to title work, ESA, approval, and purchase agreements Ordered and reviewed Title Work from the Relationship Managers preferred title company Prepared construction budgets

Brooklyn, OH

2001-2016

ANNET TE M . YARR I S

10029 Pleasant Lake Boulevard, Apt. P-14, Parma, OH 44130

216-***-**** ***************@*****.***

E D U C A T I O N

Garfield Heights Senior High School, graduated 1980 Cuyahoga Valley Joint Vocational School, Dental Assisting AW A R D S & C R E D E N T I A L S

Key Valued Business Partner Award, KeyBank 2008

Act Like An Owner Award, KeyBank 2013

Best Performance Award, KeyBank 2015

High Performance Award, KeyBank 2015

C O M P E T E N C I E S & S K I L L S

Business Skills: Knowledge of credit process: Approval and documentation, knowledge of loan operations, technological and function expertise

Personal Effectiveness and Leadership: Adaptability, detail oriented, self-starter, results driven, personal organization, work commitment, stress tolerance, receptivity to change, and a team player Communications: Effective listening and communication, understanding of technical material, effective oral and written communication skills

Interpersonal: Relationship building, organizational awareness, networking, negotiations, professionalism Third Federal Savings and Loan

Administrative Assistant / Account Specialist

Teller

Assisted customers in processing accounts associated with Certificate of Deposits, Checking, Savings and IRA Accounts

Assumed responsibility associated with Equity lines of credit Released water and tax reserves

Prepared buyer and seller documents for signatures Initiated title work and processed documentation for recording and filing of loans Proofread Title Commitments and cleared liens

Cleveland, OH

1982-1997

R E F E R E N C E S

Available upon request

First Ohio Mortgage

Escrow Assistant

Prepared documents for signatures

Assisted in loan closings

Disbursed checks after loan closings

Prepared mortgage releases

Setup new customer files in Uniform system and reviewed data for accuracy Proofread Title Commitments and cleared liens

Knowledge of Foreclosures and Bankruptcies

Processed FHA and VA loans

Reviewed purchase agreements before approval

Independence, OH

1997-2000

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