Brandi D. Payne
404-***-**** **********@*****.*** Atlanta, GA
PROFILE SUMMARY
Results-oriented, Loan IQ SME and Production Support Specialist, with excellent written and verbal communication skills. UAT Testing and LIQ Reporting and Parallel testing proficient. Excellent knowledge of Commercial Lending processes and procedures with exceptional ability to drive strategic business process design, associated workflow, and documentation. Possess an in-depth understanding of how areas collectively integrate within the sub-function as well as coordinate with various Lines of business to create BRD’s and test cases and test scripts for product testing, regression testing and upgrade testing. Well versed in syndicated lending practices as well as bi-lateral and multi currency lending practices. Am able to evaluate moderately complex and variable issues with substantial potential impact, where development of an approach/taking of an action involves weighing various alternatives and balancing potentially conflicting situations using multiple sources of information. Have good analytical skills to filter, prioritize and validate potentially complex and dynamic material from multiple sources. CORE COMPETENCIES
• Flexibility to work with various lines of business within the organization and possess a willingness to help with a wide variety of complex user issues
• Demonstrate a vast understanding of Loan Processes, Procedures, Products and Services.
• Adequate ability to identify, mitigate, manage, resolve, and escalate risks and issues.
• Ability to lead and manage teams to deliver project outcomes.
• Awareness of risk types, policies and control measures and processes. SKILLS HIGHLIGHTS
• Loan IQ production Support
• Loan IQ SME
• Portfolio Account Management
• Loan IQ Processing
• Loan IQ Project Testing
• Syndicated Lending
• Multi Currency Lending
• Loan IQ Batch Reporting
• ARR Guidelines
• Strong Communication Skills
• UAT Testing
• Decision Making
• Risk Detection & Monitoring
• Data Reconciliation
TECHNICAL SKILLS
Loan IQ, Sharepoint, Jira, Cognos, Treasury Dashboard, ESERVE, icrd, WSO, Aurora, iRecs, Icon, Skype, Documentum, Loan Origination Software (Byte, Genesis, Marketerpro), TCN Credit Systems, Mortgage Insurance Underwriting Software (DEU, DPI, DataVerify), CBC Credit, Reporting Software
PROFESSIONAL WORK EXPERIENCE
NRUCFC (The ITERO Group) Sterling, VA
Loan Accounting Consultant Dec 2023 - Present
• Work with operations team managing data input for customers for loan funding and rate renewals.
• Handle monthly journal entries and reconciliation items for CFC customers.
• Performed monthly invoicing for CFC CREB and RTFC books of business.
• Ensure Bond Guarantee System balances with Loan system LaPro accurately at the close of month end each month. Sumitomo Mitsui Finance Group White Plains, NY
Information Systems Prod Support Tech Consultant Apr 2022 – Dec 2023
• Troubleshooted user issues and provided technical support to front end business analyst to clear errors and issues
• Assisted with the clearance of GL Breaks.
• Ran daily LIQ Batch Reports consisting of the reconciliation of GL Breaks, accrual exceptions reporting, facilities reconciliation reporting and facility pricing reporting..
• Preformed end to end testing of various deal setups and closings such as Bilateral deals, Instructed Deals, Syndicated Deals, SBLC Deals, Host Bank Deals, Non-Host Bank Deals, Multi Currency Deals.
• Performed project specific testing as assigned to test Loan IQ system enhancements, upgrades and functionalities.
• Preformed, SAR reports as well as third party systems such as Cognos and Treasury Dashboard.
• Wrote test cases and test scripts for projects as well as BRD’s and procedural documents for various lines of business.
• Processed daily transactions to test functionality after deals were closed, i.e., loan initial drawdowns, principle and interest payments, fee set up and payments, pricing grid and pricing matrix set up, repayment schedule set up, processing participation sells and buys, manual transactions, building remittance instructions, setting up customer legal information, setting COF through Treasury, ARR loan set up and loan repricing (quick and comprehensive).
• Read, interpret and label credit documents for Commercial Real Estate clients.
• Conferred with different lines of business to best diagnose and resolve complex user issues.
• Assisted with secondary loan trading setups, closings and facility markings.
• Performed regression testing across various Loan IQ testing environments.
• Ensured use cases and testing results are created and delivered timely and accurately. Wells Fargo Bank Charlotte, NC
Lead Technology Business Systems Consultant Jul 2021- Apr 2022
• Led Gathering and discovery sessions with various lines of business and UAT testing team.
• Documented and validated Loan IQ functionality for various transaction types and functions prior to and during conversions.
• Preformed regression testing across various Loan IQ testing environments.
• Ensured use cases and testing results are created and delivered timely and accurately.
• Tracked errors and system failures that impact production and Finastra upgrades.
• Supported Project Managers and Development team on key findings, limitations and system workarounds. JP Morgan Chase Atlanta, GA
Account Manager Commercial Banking Jul 2020 – Jul 2021
• Was responsible for managing portfolio of 23+ complex deals for compliance and risk guideline adherence.
• Was highly focused on understanding the financial needs of clients communicated effectively with client representatives.
• Interfaced directly with high profile clients as well as a large host of syndicated lender banks.
• Ensured portfolio is consistent with approved limits and loan structures.
• Completed accurate and timely loan document reviews and processed time sensitive loan advances USD & Multi currency.
• Processed monthly and quarterly labor rate settings, principal, and interest payments.
• Effectively collaborated with additional client service teams and senior management to ensure an excellent client experience.
• Understood and clearly interpreted loan documents and performed weekly reconciliations to ensure G/L balances.
• Performed extensive research to ensure portfolio positions were accurate and correct. Bank of America Atlanta, GA
Loan Application Service Representative Jul 2017 – Jul 2020
• Understood and clearly interpreted loan documents and had thorough knowledge of loan accounting/reconciliation of general ledger debits and credits.
• Researched and resolved discrepancies on various systems (i.e., interest discrepancies, DDA transfer and wire transfer discrepancies etc.)
• Handled a variety of functions while prioritizing tasks and meeting necessary set goals and timelines.
• Researched and cleared exceptions on processed transactions for sole lender and syndicated loan deals.
• Processed advances (or loan funding’s), principal and interest payments for sole lender and syndicated loan deals.
• Created manual invoices for client billing and worked on several projects to ensure LIQ functionality such as testing, third party DDA and escrow processing, LIQ conversions from ACBS.
• Compiled and analyzed monthly data reports, booked loans on Loan IQ system, and notified member banks of funding’s and loan rate rollovers and comprehensive repricing’s on syndicated loan deals. Bank of America Atlanta, GA
Loan Operations Analyst CRE Mar 2016 – Jul 2017
• Was responsible for processing Syndicated Large Corporation Participation Bought loan portfolio of over 53 customers
• Created Libor Tranches on Loan IQ, processed comprehensive and quick loan re-pricings on Loan IQ, and processed principal and interest payments on various commercial real estate loans.
• Set-up and processed funding’s, payments, and fee transactions, reviewed and verified loan pricing options, and researched analyzed and reconciled loan accounts.
• Cleared RECON items for Syndicated and Participation Bought loans, and trained Loan Application Specialists on processing and booking loans on Loan IQ system.
• Approved loan transactions for production team prior to final release. Primary Capital Mortgage Atlanta, GA
Loan Coordinator June 2015 – Nov 2015
• Cleared broker conditions prior to submitting loans to underwriting, ran AUS – DU/LP/GUS underwriting systems, and maintained pipeline of 40 loans.
• Communicated effectively with brokers, ordered tax transcripts and worked on a team consistently closing over 100 loans a month. AIG United Guaranty Atlanta, GA
Associate Underwriter Mar 2006 – June 2015
• Approved and declined MI applications based on loan data received through underwriting system, and cleared MI conditions
• Fielded lender calls troubleshooting PMI guideline questions and underwriting procedures.
• Generated daily reports for strategic lender accounts and worked with internal sales staff and management team to ensure MI applications were processed in a timely manner.
• Remained current on all Conventional and PMI guideline requirements for underwriting purposes. EDUCATION
• Bachelor of Arts - The University of Alabama Tuscaloosa, AL