Debra Torres

** ******* ******, **** *****, CT **516 203-***-**** adryz9@r.postjobfree.com

Objective

Driven financial professional with documented track record of consistently exceeding performance goals. Profound ability to handle multiple projects simultaneously. Powerful communicator capable of interfacing effectively with customers and all levels of management. Education

Accounting I, II, Principles of Banking, Supervisory Skills American Institute of Banking, Washington, DC

Accounting I, II and Computer Concepts

New England Banking Institute, Boston, MA

Computer Concepts

Sacred Heart University, Fairfield, CT

Basic Income Tax Course

Liberty Tax Service, West Haven, CT

Skills & Abilities

BANKING EXPERIENCE

Broad based banking experience with progressive responsibility. Skilled in all aspects of international banking, trade finance services, loan setup, processing and servicing. Solid international services experience with a high degree of expertise in irrevocable standby, documentary and export letters of credit, import and export documentary collections, foreign currency, foreign check collections, foreign wires, foreign exchange, SWIFT, UCP600, ISP98, and RC522. MANAGEMENT

Well-developed ability to utilize all available resources to resolve customer issues in a highly efficient and effective manner. Team player with a passion for sharing skills and knowledge to communicate with a range of internal and external customers ensuring transactions are completed in an accurate and timely manner. Finely tuned analytical skills with a dedication to continually streamlining and improving work processes. Effectively interface with management to collaborate on issues and resolve problems. Results focused with an ability to achieve maximum impact with minimal cost. TECHNOLOGY SNAPSHOT

Proficient in Windows, Microsoft Office Suite (Word, Excel, PowerPoint, Outlook), Encompass, CreditPlus, The Worknumber, AV Management, Equifax Registry, Metavante Insight, Teller Insight, PayPlus, RIMS, Lotus Notes, Process 360 Scanner, COCC System, SWIFT, Currency Teller and OnDemand, LOS, CBC, Doc Magic, Rev Tracker, Mercury Appraisal Portal.

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Experience

REMOTE LOAN PROCESSOR – FAMILY FIRST FUNDING LLC, TOMS RIVER, NJ 1/2021 – 8/1/2022

SR. LOAN PROCESSOR - EAST SHORE MORTGAGE SERVICES, LLC, MADISON, CT 5/2018 – 12/31/2020

LOAN PROCESSOR - RESIDENTIAL LENDING INETWORK FUNDING LP/FAIRWAY INDEPENDENT MORTGAGE CORPORTION/L'ALTRELLA GROUP, SHELTON, CT 9/2017 - 5/2018

LOAN PROCESSOR - RESIDENTIAL LENDING ENVOY MORTGAGE LTD., TRUMBULL CT 2/2017 - 9/2017

LOAN PROCESSOR/ADMINISTRATIVE ASSISTANT/LOAN PROCESSING ASSISTANT - RESIDENTIAL LENDING WILLIAM RAVEIS MORTGAGE, LLC, SHELTON, CT 4/2016- 2/2017 LEAD COMMERCIAL LENDING REP – COMMERCIAL REAL ESTATE FINANCE PEOPLE’S UNITED BANK N.A., STAMFORD, CT 1/2015 – 2/2016

Manage commercial lending relationships with business owners and chief financial officers. Gather financial and other information from loan applicants. Analyze complex business and financial data to determine credit worthiness and prepare summaries of analyses for review by management.

Negotiated and structured commercial loan transactions to satisfy bank requirements and borrowers' needs.

Consulted clients on financial performance trends and recommended appropriate actions to maximize the value of the banking relationship.

Managed and monitored commercial real estate loan portfolios including annual reviews, resolving payment and other issues, and approving or making recommendations on requests for loan modifications, renewals and extensions, based on credit, financial and relationship factors.

Regarded as one of the company’s most productive loan processors, handling an average of 22 files monthly.

Outperformed company average in achieving loan-processing turn-around time of 12 days or less (compared to typical 15 to 20 days).

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