Nancy M. Boyd

732-***-****

ad3uji@r.postjobfree.com

Qualifications

In depth diversified experience in Consumer, Small Business lending/ Middle Market & Int'l Credit Analysis.

Goal oriented with excellent interpersonal, Communication and organizational skills. Ability to conceptualize and deliver new ideas to increase efficiency, productivity and reduce costs.

Experience:

TD Bank, N.A (Toronto Dominican Bank)

Assistant Vice President – Centralized Consumer Lending

Apr. 2001-Present …. Underwriter II

May 5th, 2020 - Present;

On a Special project to assist with the Mortgage and Consumer Loans RCLO Disposition Desk Underwriting/ Auditing for compliance and Quality Assurance.

Auditing Mortgage, Home Equity products loan files for HMDA purposes, and quality control.

Underwrite loans for 2nd review signature of mortgage applications and Home Equity loans and lines to insure a possible alternative options or otherwise adverse action.

Review all Adverse actions on Mortgages, Home Equity loans and lines for compliance with Bank policy and regulations.

2001- Present Assist.Vice President/Centralized Consume Lending Underwriter II

Retail Credit and Loan Origination

Underwrite conventional loan requests, Piggybacks,

and all type of consumer loans, auto loans,

personal unsecured, Credit cards. Boat Loans etc.

Decision loans secured by primary residence, Investment properties, 2nd homes, and all type of consumer loans, with lending authority of $1.4MM in aggregate exposure.

Analyze personal and Business tax returns and investment income.

Underwrite retirement income, brokerage accounts, and all types of income.

Approve loans or provide other options or adverse actions,

Present loans to the exceptions Desk when deem appropriate, and within Lending policy.

Review supporting documents and assess requirements to secure proper liens and validate sources of repayment.

Strong knowledge of regulatory requirements and Lending policies.

Review Flood insurance, POA, Divorce Decree, and titles searches.

Analyze Fraud and Watch list report with every loan file.

Review and assess the risk factor for Subordinate and Renewal Loans.

Summit Bank – currently Bank of America

Cr. Analyst/ underwriter – Small Business Banking

Evaluated credit proposals submitted by Branch and Relationship Mangers.

Reviewed all loan renewals and assessed the risk factor.

Maintained client contact and cross-sold various loan products.

Directed Branch Managers with preparation of loan proposals and pertinent documents.

Cross-trained new analysts.

Lending Authority of $50,000 unsecured small business loans.

Taching International Trading Co.

Credit and Collection Manager.

European American Bank, New York

Senior Credit Analyst – Retail Lending, NY Region

Analyzed financial statements of medium size business up to $500MM in sales.

Supervised the credit activities of fifteen branch managers.

Reviewed District Managers’ credit proposals and assessed portfolio risk.

Identified problem loans and prepared reports for senior management.

Authorized Consumer/Commercial loans in the range of $25,000-$250,000.

Developed new business and maximized sales opportunities.

Nat West Bank – currently Bank of America

Credit Analyst – Africa & Middle East Division

Responsible for credit analysis, translation and preparation of monthly reports on problem loans.

Evaluation of loan exposure per country within the region.

Translated documents and correspondence.

Education

Baruch College, C.U.N.Y – Bachelor –

Business Administration

Management Major.

European American Bank – Credit Management Training Program

American Institute of Banking – Professional Diploma

Fairleigh Dickinson University – Graduate Management Program – Pending Completion.

Languages

Fluent in English and Arabic (reading and writing)

Achievements

* Generated over 56% of the department’s new business.

Granted three incremental lending authority increases within a twenty-four months period, to $500M Secured, $50K Unsecured and Aggregate of $1.4MM Single Accountability.

Initiated the “Rate Reduction Concept” as a Business Retention tool, followed with the creation of the "Consumer Retention group".

Received the highest recognition for implementing the Start-Up Retention Program.

Awarded “The Guardian Angel Honor Prize” for fraud detection.

Holding 1st place status in the Loan Volume competitions.

Received numerous “Wow Points" for outstanding customer service and rapid response to inquiries by staff members and colleagues.

References

At a mutual point of interest, personal and professional references will be provided.

Contact this candidate