Loan and Documentation Specialist
Resume:
Kierra Berry
Dallas, TX *****
*************@*****.***
Work Experience
Officer - Loan Lease and Trade Operations - Letters of Credit Coordinator Bank of America - Plano, TX
October 2019 to March 2024
• Provides support to clients for new, amended, modified standalone, within line, cash pro LCs.
• Handles Standby SBLC Letters of Credit & Commercial Documentary Letters of Credit
• Provides assurance that the bank will pay the Beneficiary in the event that the applicant fails to meet the performance obligations set forth in a contract.
• Scrubbed and performed underground research on a mass variety of AEX and Loan Modifications completed deals that were sent to Trade to maintain accurate reporting for management.
• Trained new associates on the Auto Renewal & Standby Blanket Datasheet process. Auto-Extension Duties:
• Prepared/Sent out Auto Renewal notices to clients within the bank advising that their current Letters of Credit will be renewing and is set to Auto Extend.
• Sent Non- Renewal approvals/request to Trade Services for clients that wish to not renew their LC(s)
• Manually created GFS packages for within line clients who agreed to renew their Letters of Credit. The packages would then be assigned to a LCC Coordinator for completion.
• Updated Client Contact information as well as add the appropriate notation within the Sharepoint system once the client or client team has confirmed that all has been received. Quality Assurance Duties:
• Received alerts by email that a QA checklist is ready to reviewed. QA’d all required Loan Modifications, Withinline & Standalone documentation for new issuance or amendment request.
• Maintained 99% Test of Control error average on a mass variety of AEX and Loan Mod Deals. Standby BDS/MOFs - Term & Availability Duties:
• Sets up & Amends new and existing Standby Blanket Datasheets (BDS) Master operating files (MOF) requests for 90% confirmed lines
• Sets up & Amend Supply Chain MOFs request
• Approve/Decline Term & Availability request for clients on CashPro Trade.
• Sets up & Amend Commercial Import, Agency Management, & Participated/Syndicated Standby Blanket Datasheets and Asset Based Lending (ABL) clients who are transferring to Confirmed Lines in order to issue out Letters of Credit.
Quality Control Auditor/Implementation Specialist
JPMorgan Chase & Co - Plano, TX
May 2018 to October 2019
· Compares the data entered in Titan with the approved paperwork uploaded to the electronic filing cabinet
· Responsible for ensuring all applicable documents have been received and keyed in correctly according to the documents provided
· Responsible for driving and coordinating all aspects of the setup for custom card and cash management setups and services.
Quality Control Auditor/ Special Document Processor II Bank of NY Mellon - Dallas, TX
January 2018 to May 2018
• Processed trailing documents for Freddie Mac, Fannie Mae, and Ginnie Mae and Non-Agency Loans as one of the last steps in the process of the loan through the QC database and EMB Trust to make sure it matches up with the image through Smartdocs
• Updated condition codes as they related to mortgages, deeds, and title policies on the original documents and looked for anything missing on the document in order to pass
• Processed critical documents within a timely manner incoming through email which got priority; processed between 200-300 plus conditional loans daily
• Qualified/disqualified loans that were not up to par with the GNMA, FNMA or Freddie Mae guidelines
• Multitasked on three screens working on multiple systems (database, Smartdocs, OneNote) doing repetitive steps when processing the loans
Secretary/Data Entry Representative
I35 Sand Pit LLC. - Alvarado, TX
May 2015 to November 2017
Alvarado,TX
· Received inbound as well as made outbound calls for order relating to oil and construction, making 50-100 calls/day
· Prepared spreadsheet for inventory and sales using Microsoft Excel
· Organized and sorted vital documents containing personal information relating to client files
· Worked with two systems multitasking and performing repetitive work through making calls and sending emails and processing information into the files
DOJ- Pre-Emptive IRRP Processor / Team Lead -Modification Processing Bank of America (Part Time - Richardson, TX
July 2014 to April 2015
· Created bids (beginning and ending listing prices for properties that was subjected to go for a sale through the bank)
· Received lower interest rates from the banks publisher Freddie Mac
· Solicited interest rates to current homeowners which lowered their mortgage payments to a remaining fixed P&I loan
· Monitored agent's overall production by using Microsoft Excel and created production reports for future access
· Provided coaching and training to coworkers on team/in department to help boost overall performance
· Created reports and spreadsheets to keep track of agent’s individual performance
· Recommended loan approvals and denials based on customer loan application reviews
· Maintained current loan and pricing information on the online banking website
· Originated, reviewed, processed, closed and administered customer loan proposals
· Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
· Submitted loan applications to the underwriter for verification and recommendations Account Specialist
AMO Recoveries (on behalf of Bank of America) - Irving, TX November 2012 to April 2014
· Worked with homeowners who were interested in proceeding with a short sale through the bank
· Performed required authorized duties in order to submit files for approval from another department
· Gathered required HAFA/COOP Short Sale documents to review them for quality control against the database
· Ordered Appraisals and BPO's when moving forward with a short sale; sent files to the underwriting department
· Reached third parties to provide statues and answered required questions pertaining to the short sale
· Worked with FHA/FNMA/VA/HFI/FHLMC/GNMA and Conventional loans
· Postponed foreclosure sale dates when a property changed status or had updates
· Declined and Closed out short sale loans
Client Migration Consultant (Merrill Lynch) / MHA
Bank of America {Part Time - Dallas, TX
March 2010 to March 2012
· Worked as a Mortgage and Loan Modification Representative
· Performed administrative work in regard to getting the new project with Merrill Lynch into effect
· Processed internal bank documents for Merrill Lynch
· Responded to inbound/outbound calls to homeowners interested in the MHA (Making Homes Affordable Plan)
· Collecting required MHA documents from homeowners interested in the program
· Provided the status of the process to third parties, as well as the borrowers
· Provided trial period information to approved candidates
· Collected past due mortgage payments
· Worked with Fannie Mae/ Freddie Mac and Conventional loans; approved and declined loans iTunes Customer Service Agent
Apple Mac. {Volt Technical Resources - Addison, TX July 2009 to January 2010
· Took on live chats and emails from iTunes customers
· Resolved iTunes downloading, syncing and system and technical issues
· Responded to inbound/outbound calls
· Consulted with Tier 1 and Tier 2 agents in regard to solving certain issues and concerns Alumni Outbound Call Center Agent
Grambling’s Alumni Call Center - Grambling, LA
March 2007 to May 2008
· Made roughly 200-300 outbound/inbound calls to Alumni's of the university to see if they were interested in donating back towards the University and its improvements in a high-volume environment
· Collected donation compensations when processing payments over the phone and entered that into the system
· Performed repetitive work completing the process many times over per day Education
Certificate
Grambling State University
Diploma
Justin Ford Kimball High School HS
Skills
• Experience with the Syndicated Loan Environment and Process
• Appraisal
• AS400
• KYC
• Trade Sales
• GMS (Global Monitoring Solutions) Tradeline
• Loan IQ
• Flagscape
• ADP
• Client Managers
• Cross Border and/or Multicurrency lending or operations experience.
• Excellent Microsoft XP/Vista, Microsoft Office (Excel &Word) knowledge, Mac OS, Word Processing, PowerPoint, Copier & faxing machine knowledge
• Commercial Credit Officers
• HomeSaver
• Knowledge of Cash Collateral, Uncommitted/Committed Lines, Middle Market, HENFP, Business Banking, Corporate Americas deals
• Workday
• SyndTrax
• EDR
• BOSS
• Credit Fulfillment & Trade Fulfillment
• GFS (Global Fulfillment Solutions)
• Underwriters
• Applications
• GUS
• Agency Management Officers
• Escrow
• Sharedrive
• FNMA/FHA/VA/Ginnie Mae/Freddie Mac/Conventional Loan knowledge
• Trade Operations
• IDS IB-DDA, CDs
• Credit Officers
• HOA
• CAMS
• HAMP
• ImageTrust
• Notary
• Good Standing
• BPO knowledge
• Credit Sales Managers
• FLU (Flood Document knowledge) Corporate Resolutions
• Loan/Credit Agreements
• Engagement Forms
• Navigator (GCBBanker)
• CreditCenter Sharepoint
• MDE Database knowledge
• Knowledge of GCB/GIB environment, organizational alignment, strategic priorities.
• Computer Networking
• Underwriting
• Supply Chain
• Linux
• PeopleSoft
• Microsoft Windows
• Customer service
• Workday
• IDS
• Mac OS
• Windows
• Supply chain
• Quality assurance
• SharePoint
• Quality control
• Banking
Certifications and Licenses
Certified Anti-Money Laundering Specialist
Non-CDL Class C
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