…continued…

Daniel A. Hengel

Commercial Loan Operations Manager Profile

Riverview, FL 33579 952-***-****

adzgna@r.postjobfree.com

Summary

Dynamic, growth-focused professional with proven track record of providing leadership to transaction servicing for commercial loan products and services. Proficient in designing and optimizing policies and processes, ensuring compliance with regulatory requirements, bank policies, and strategic objectives. Adept at analyzing creditworthiness of loan applicants by conducting due diligence on financial health, while identifying and mitigating potential operational and credit risks within commercial lending landscape. Proven leader with demonstrated strengths in training and motivating high-performing teams, fostering collaborative work environments to achieve organizational goals.

Areas of Expertise

Commercial Lending Operations

Risk Assessment & Mitigation

Training & Development

Loan Processing & Underwriting

Portfolio Management

Policy/Process Development

Credit Analysis

Team Leadership

Regulatory Compliance

Professional Experience

Provide, Inc., San Fransico, CA (Remote) 02/2022 – Present Project’s Team Manager

Manage portfolio of Practice Finance loans in southeastern United States. Guide team of Project Specialists and Assistants in maintaining and optimizing loan lifecycles for portfolio of ground-up and startup projects. Create departmental training materials and conduct training sessions to foster understanding of loan processes, policies, and best practices. Assess departmental processes and identify opportunities for process improvements.

Attained 100% YoY increase in volume of disbursements/funds.

Developed and standardized pre-closing documentation and disbursement procedures to ensure consistency, accuracy, and compliance.

Served as primary liaison between construction and internal teams, including underwriting, legal, and compliance departments; facilitated communication to streamline loan processes and resolve issues. Sunrise Banks, St. Paul, MN 10/2019 – 02/2022

Construction Department Manager

Provided strategic oversight of day-to-day departmental operations while managing institution's portfolio of under- construction commercial real estate projects. Oversaw civil unrest and insurance-related claims, collaborating with stakeholders to mitigate losses and ensure timely resolutions. Analyzed market conditions, financial viability, and project risks to outline optimal loan structures for construction projects. Coordinated release of funds in alignment with project milestones and established criteria.

Secured reduction in average Service Level Agreement (SLA) from 10 to 7 days within one year.

Developed comprehensive departmental policies and procedures for each portfolio to safeguard institution's interests, minimize potential losses, and ensure compliance with regulatory guidelines. Wells Fargo Bank, Minneapolis, MN 09/2015 – 10/2019 Private / Business Loan Underwriter 3, SBA Lending Conducted due diligence to assess feasibility of commercial real estate construction projects and ensured loan applications meet lending criteria. Managed portfolio of construction projects during disbursements. Analyzed project budgets, performed property appraisals, and evaluated property's potential as loan collateral. Identified and documented construction risks and impacts on project timelines, budgets, and successful completion. Reviewed borrowers' financial statements to assess financial health and capacity to service loans.

Achieved 10% increase in loan acceptance rate.

Ensured 100% compliance with regulatory guidelines, internal policies, and industry standards throughout loan evaluation and management process.

Education & Credentials

Master of Business Administration, 2023

Florida Gulf Coast University, Fort Myers, FL

Bachelor of Business Administration in Business Management University of North Dakota, Grand Forks, ND

Contact this candidate