PROFESSIONAL SUMMARY

Multifaceted, and results driven Commercial Loan Specialist with over 25 years of progressive accomplishments leading operations and project management initiatives for the Federal Government, non-profit and banking industries. Highly organized lending professional with a talent for balancing production needs with customer service and efficiency. Vastly proficient in consumer lending, commercial lending, customer service and interpersonal communication with the innate ability to manage and lead with enthusiasm and integrity.

professional competencies

Mitigate escalation paths

direct customer expertise

workload monitoring

Data entry & clerical support

RESEARCH, INVESTIGATION & PROBLEM RESOLUTION

Invoice matching & processing

UNDERWRITING & LOAN SERVICING

utilizing standard operating procedures

Professional Experience

SGCM 501©3, Fairfax, VA

Operations Administrative Assistant September 2022-Present

Assist with the day-to-day operations of the Non-profit organization.

Schedule and coordinate all guests for weekly/monthly social media broadcasts.

Prepare and maintain all correspondence and memos with accuracy and precision.

Spearhead all event plans and coordination.

Deliver exceptional clerical and administrative support to President/CEO.

U.S. Small Business Administration, Little Rock, AR (Remote)

Commercial Loan Specialist June 2021- September 2022

Approved and denied an aggressive pipeline of PPP forgiveness applications within a personal lending authority of $10M.s

Underwrote and reviewed supporting documentation to render decisions for all PPP First and Second Draw Loan forgiveness applications.

Utilized various tools to include SOPs and IFRs to assist in rendering application decisions.

Performed complex calculations to determine if PPP applications are granted full, partial or denial decisions.

Assisted in the servicing, review and monitoring of forgiveness requests and SBA guarantee purchases.

Lent assistance to the Amazon Connect Call Center.

Provided correspondence to lenders via the PPP forgiveness platform.

Performed detailed data entry, created and managed excel spreadsheets and created records in specialized software packages.

U.S. Small Business Administration, Washington, D.C.

Lender Relations Specialist April 2020 ~ June 2021

Collaborated with public and private sector agencies, organizations, and individuals to ensure that identified under-served communities have access to SBA programs and resources.

Scheduled and prepared for training, meetings and SBA planned events.

Assisted 8(a) firms in building their competitive and institutional know-how as they participate in contract award acquisitions.

Provided broad scope support to 8(a) firms competing for government awards through the comprehensive 8(a) Business Development Program.

Supported full life cycle of all joint venture contract application processes.

Acted as Liaison between SBA counsel and 8(a) firm’s CEO’s and managing partners.

Performed legal reviews and provided established terms for all approved joint venture contracts.

Promoted all SBA lending programs and services through outreach and marketing.

Conducted outreach, training, education, development, lender recruitment, consultation and working with assigned lenders in the district.

Cultivated and maintained individual portfolio of lenders and small businesses.

Delivered in depth training to CDFI’s, resource partners and lenders pertaining to all SBA loan programs with a heavy concentration on both the Payroll Protection Program, and Economic Impact Disaster Loans.

Managed program compliance reviews for associated Small Business Development Centers.

Provided administrative servicing support to commercial loan centers nationwide.

Justice Federal Credit Union, Chantilly, VA

Consumer Lending Operations Assistant Manager December 2007 ~ May 2016

Assessed credit and business risks of loans under review using qualitative and quantitative tools.

Productively oversaw 11 lending staff including training, mentoring, assigning work and providing ongoing informal and formal performance feedback to ensure the delivery of progressive loan production.

Successfully co-managed four subdivisions comprised of Consumer Lending, Home Equity, Collateral Procurement, and Senior Underwriting.

Underwrote indirect commercial loans in partnership with Triad Financial Services.

Performed end to end loan originations for all consumer and home equity loans.

Underwrote over 2,000 consumer and home equity loans in accordance with established credit union matrices, guidelines, lending authority and lending policies month over month.

Senior project lead for the consumer lending and mobile banking platform upgrade implementations.

Provided cross departmental staff support to include posting all loan payoffs, disbursing proceed checks, securing and releasing liens, invoice matching and disbursements, accounts payable, underwriting internal and external loans and performing home equity closings.

Responsible for the testing of all lending products, software updates and lending platform continuity measures to ensure production needs were met.

Operated as the Chief Administrator of the Collateral Protection Program and a senior member of the Lending Appeals Committee.

Apple Federal Credit Union, Fairfax, VA

Phone Center Operations Assistant Manager May 2007 ~ November 2007

Supervised 8 staff, including training, coaching, assigning work and providing ongoing informal and formal performance feedback to ensure the delivery of positive member service.

In support of lending’s over-arching goals and objectives to maintain excellent member service, monitor calls and review call stat reports. Analyze data and coach staff on performance standards and metrics.

Receive and resolve escalation calls from members. Consistently utilize problem solution procedure to ensure member loyalty and satisfaction.

Retrieve and evaluate daily reports (loan production) and submit statistical data to the agents. Calculate and analyze trends for the department.

In conjunction and in collaboration with the Consumer Lending Team Leads and Loan Production and Sales Manager, help drive lending performance and monthly goal achievement.

Share Draft/ACH Coordinator October 2004~ May 2007

Processed daily share draft exceptions including inquires and retrievals via Fed Line Advantage for the web. Gathered needed supporting documentation for fraud cases and worked with branch managers to investigate and prevent check fraud.

Researched and resolved incoming and outgoing cash letter adjustments from the Federal Reserve Bank.

Performed ACH duties to include daily ACH settlement and completion of exception reports.

Cross trained in ATM/Debit Card processes to include, ordering new plastics and PIN numbers. Activated plastics, contacted network provider and increased daily spending limits.

Financial Services Advisor March 2002 ~ October 2004

Counseled credit union members by cross-selling ancillary products and providing financial information on available loan options, rates and established member accounts.

Collected all required documents for fixed rate, adjustable and home equity mortgages. Calculated cash disbursement figures, loan payments, payoff quotes and debt ratios.

Underwrote and disbursed approved loan proceeds, responsible for balancing daily ATM deposits.

Education AND Relevant training

Public Trust Clearance, April 2020

Northern Virginia Community College, taken courses toward Associates degree

Justice Federal Credit Union, Developmental Management Training

Rex Johnson’s Lending School

National Mortgage Licensing Registry, Certified Mortgage Loan Originator

Notary Public for the Commonwealth of Virginia

technical skills

Microsoft Office 365, Microsoft Teams, Microsoft SharePoint, Microsoft OneNote, Outlook, PPP Forgiveness Platform, Capital Access Financial System, ETRAN, Federal Procurement Data System, E-Oscar, SAM.gov, Box.com, Skype for Business, Meridian Link (Loans PQ), Synapsys, Episys Symitar, Akcelerant, Blue Point, FICS, Synergy, Citrix, Lotus Notes, DocuSign, Criterion, WebEx, FedLine Advantage, ADP, Zscaler, FICS, Zoom

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