D E B O R A H B. R A M S E Y

Commercial Loans – Line of Business Expertise

PROFESSIONAL SUMMARY

Highly motivated commercial loan operations manager with multiple lines of business expertise at Wells Fargo with loan documentation, risk, and compliance concentration as well requisite office administration experience. Transferrable skill-set from early positions in law firm/trade association as well as legacy Wells Fargo businesses. Talent managing small projects to bank-wide campaigns, perfecting security interest of the Bank. Line of business expertise - Capital Finance, Commercial Real Estate (syndications), SBA Lending. Identifying, understanding, mitigating risks to the Bank as well as analyzing processes to ensure compliance to policies and regulations are strong attributes. Effective, thorough communicator; confident working with all levels of management; attention to detail. Self-motivated with initiative.

PROFESSIONAL EXPERIENCE

WELLS FARGO BANK

Loan Administration Manager 2/Vice President – Wholesale Banking

SBA Lending - June 2015 – Current

Provide ongoing support, hands-on training/development to team of closers; retain staff

Manage closing process of 7(a) and 504 loan products to small businesses via commercial real estate purchases, business acquisitions and stock purchases

Conduct initial review of loan packages with purchase contract, approval and commitment letter to mitigate any customer impact, risk, compliance or system concerns further in the process

Ensure internal processes adhere to SBA Standard Operating Procedures to safeguard against loss of guaranty. Review borrowers’ injection. Certify processes like Cornerstone (KYC), Regulation H (Flood), Regulation B, insurance compliance are completed and followed.

Challenge processes when different from other hubs or as new systems go live

Support specialized regional tasks – Florida State Tax, heavy flood volumes

Compiled loan packages reviewed for accuracy and adherence to all internal processes, regulatory, compliance and risk requirements

Prepare and participate in weekly pipeline calls with East Coast management as well as weekly SBA management calls

Prepare and close loans as well during high volume periods. Interact with all members of leadership in SBA lending

Participated in several HUB wide initiatives addressing culture, changes in leadership, customer centric environment and other items brought to light by HUB members

Participate and present at annual sales and planning sessions; assist Business Associates in their new roles with new Closing functions.

WELLS FARGO BANK

Wholesale Loan Administrator 3/Vice President – Commercial Real Estate

Shared Credit Management – June 2011 to November 2014

Reviewed, negotiated loan documentation for legal, intercreditor, compliance/operational risk for syndicated loans based on Wells Fargo internal policy and syndicated market standards

Worked with Real Estate Syndicated Finance and Agency Monitoring Group to ensure the role as Administrative Agent was fulfilled according to the loan documents

Managed syndicated CRE ORE asset sales with Owners (formerly Lenders) ensuring Post-Foreclosure agreements adhered to and maximum dollars achieved

Left due to displacement

Wholesale Loan Administrator 2/Vice President – Commercial Real Estate (STAR program)

Shared Credit Management – June 2010 to June 2011

Fulfilled Intralink project goals (online portal for loan documentation); built sites for syndicated deals in accordance with policy

Analyzed documentation for reporting requirements/intercreditor risk and elevated issues

WACHOVIA BANK, N.A.

Operations Manager 3/Vice President – Capital Finance, 1993 to December 2009

Administrative Assistant - August 1990 to 1993

Numerous promotions during 19-year tenure culminating in responsibility for managing post-closing documentation team, credit file function/file room maintenance in multiple sites

Ensured a perfected security interest in coordination with a partnership between team/business unit/closing attorneys

Successfully led and mentored post-closing documentation team in day to day processes

Managed Federal Reserve discount window pool of loans by clearing outdated exceptions thereby allowing Bank greater borrowing capability. Participated in Federal audit; Received commendation from bank Sr. Credit Officer (3 years)

Participated in in house and Bank-wide projects–FileNet Imaging; Outsourcing of UCC/file management; Revised Article 9, Lien perfection Vendor selection, Outsourcing Initiative, Integration of bank-owned Asset Based Lending

Left due to displacement

Responsible for $13MM portfolio (2009 figure)

EDUCATION and COMMUNITY

Central Piedmont Community College, Charlotte, NC

Coursework in Business Administration

Kings College, Charlotte, NC

Academic Diploma in Secretarial Science with Legal Specialization

Community Volunteer

Room in the Inn, Charlotte Mecklenburg Schools, Lake Forest Church Meals Ministry

and HYAA – volleyball coach (past)

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