Loan Officer

Ayden Reed

*************@*****.*** 910-***-****

www.linkedin.com/in/ayden-reed-6849121b6

SUMMARY OF QUALIFICATIONS

Five years of business development and lending experience working with small business clients seeking access to capital opportunities in North Carolina. Supported Access to Capital programming at community events and networking opportunities that expanded partnerships and developed economic opportunities. Creative and engaging business developer who supported rural community development projects with an emphasis in financial literacy, loan packaging, and small business development assistance. Experienced junior loan officer with proven communication, networking, and organizational skills.

PROFESSIONAL EXPERIENCE

Junior Loan Officer and Client Services Specialist Charlotte, NC

Thread Capital & Rural Center of N.C. January 2023- current

●Reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value).

●Evaluating; examining transactions to ensure accuracy and completeness.

●Ensuring that documents are consistent and uphold company and industry guidelines.

●Evaluates new loan applications to ensure proper completion and submission of required financial information to facilitate financial credit analysis.

●Organize meetings with clients to help guide them through the process of structuring, financing, and repaying a loan.

●Executed loan origination process, including ordering credit reports, appraisals, and preliminary title reports.

●Determined appropriate rate locks, issuance of disclosures, overage and underage waivers, and fee waivers.

●Maintained updated UCC Liens, MVR 6 forms knowledge through Lien document.

●Leveraged Loan Well to input and compile data gathered from various sources.

●Handled all delegated tasks, including team driven loan production goals and client satisfaction ratings.

●Demonstrated self-reliance by meeting and exceeding workflow needs.

●Worked closely with team members to deliver project requirements, develop solutions, and meet deadlines.

●Average up to 25 calls per week and provided excellent service and attention to customers when face-to-face or through phone conversations.

●Recognized by management for providing exceptional customer service.

●Received Honorary Award for 95% accuracy rate for loan packaging.

Customer Support and Account Specialist Charlotte, NC

Search Solution Group July 2022 - Jan 2023

●Created lead generation by utilizing research and marketing tools such as Bullhorn, LinkedIn, and Indeed.

●Effectively managed Bullhorn CRM to document prospect interaction, ensure efficient lead management, and maintain accurate information.

●Created incremental contact opportunities via data mining and lead generation with effective follow-ups with both the candidate and supervisor to ensure timely response.

●Responsible for generating new business opportunities by qualifying leads and prospecting through existing business accounts to engage with qualifying leads from marketing campaigns as sales opportunities.

●Developed daily plans to maximize high volume cold email time with client success.

Business Development Analyst Clinton, NC

Granit Training Group LLC Feb 2020 - July 2022

●Identified and engaged with business owners that needed small business loans.

●Collaborated with the development team to identify, prepare and support 10 loan packages ranging from $25,000-$200,000. All loans were closed within six months of engaging the clients.

●Determined sales goals and developing relationships that would enhance the organization's outreach to small businesses in rural areas of North Carolina. This led to adding 20 new clients to the company’s portfolio for Technical Assistance and lending opportunities.

● Create and deploy Mobile Events to support farm business training and Access to Capital Workshops which led to an increase of 30% in student engagement and over $25,000 in sponsorship donations.

HUB & RETOOL Loan Packager and Client Management Assistant Raleigh, NC Carolina Small Business Development Fund Aug 2021 - Dec 2021

●Distributed over $3 million of HUB Grant Funding to over 300 small businesses in North Carolina that were impacted by COVID-19 shutdowns by analyzing tax returns, bank statements and Profit and Loss statements for each client to identify qualified grant recipients.

●Provided reporting and communication updates to grant recipients via phone and email on grant status.

●Collaborated with North Carolina state officials and team members to ensure that all recipients’ documentation was stored in the appropriate data files within the organization.

●Determined robust data entry protocols to ensure small business data privacy for the state of North Carolina HUB and NCDOT organizations which led to detailed reviews and cross checks for over 50 clients and their data management within Salesforce.

●Provided reporting for all grant recipients that requested to participate which led to 10 success stories for the organization, gaining the attention of state officials resulting in additional development income and resources.

TRAINING/ EDUCATION

Credit as an Asset Course

Impact CBA Capability Building and Training Solutions - (March, 2024)

Emerging Leaders Certification

Truist Leadership Institute - (2023)

Learning Access for Office 365

LinkedIn - (February, 2022)

Learning PowerPoint desktop (Office 365/ Microsoft 365)

LinkedIn - (February, 2022)

Bachelor of Science, Finance

East Carolina University – Greenville, NC (2022)

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