Vice President, Credit Administrator for a Commercial Bank

FRANCES M. DELSENI

The Villages, FL ***** 406-***-**** **************@*****.***

To leverage over 40 years of experience in loan operation management, credit review, underwriting, and collateral management to contribute effectively to a dynamic organization.

-Senior Collateral Review Analyst at Federal Home Loan Bank of Seattle/Des Moines with expertise in ensuring accurate reporting and compliance of loan collateral.

-Over 40 years of comprehensive experience in loan operations management, underwriting, and credit review. Proven ability to develop and implement procedures and controls to ensure regulatory compliance and operational efficiency.

-Proficient in document preparation, accounting, and reporting for a wide range of loan types including commercial, consumer, and residential.

-Strong analytical and organizational skills with a solid background in reviewing financial statements and documentation.

-Effective communicator with a track record of collaborating with members, regulators, and internal teams to enhance loan processes and compliance.

-Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

• Loan Operations Management • Underwriting and Credit Review

• Collateral Management and Compliance • Team Leadership and Training

• Regulatory Liaison and Communication • Teamwork and collaboration Computer skills • Calm under pressure

• Decision-making

Senior Collateral Review Analyst, 08/2013 - 02/2025 Federal Home Loan Bank of Seattle/Des Moines

Validate loan balances reported by members to ensure they represent eligible collateral in line with regulatory and policy requirements

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Approve or recommend adjustments to reported balances to align with member borrowing capacities and collateral eligibility

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PROFESSIONAL SUMMARY

SKILLS

WORK HISTORY

Develop and implement procedures and reporting systems to monitor and verify eligible collateral efficiently

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Conduct reviews of member-passed loan portfolios, including multifamily, residential, and commercial loans, to ensure accuracy and risk mitigation

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Serve as a key liaison for collateral reporting and compliance, providing guidance to members and Seattle Bank associates on collateral policies and procedures

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Loan Assistant Supervisor, 10/2012 - 07/2013

Rocky Mountain Bank – Billings

• Managed and supervised a team of eight loan assistants, ensuring accurate and compliant loan processing Led training and development efforts for loan assistants on systems and procedures related to commercial, multifamily, and residential loans

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• Implemented and maintained collateral review procedures to meet regulatory and internal policy standards

• Provided ongoing support and education to enhance the effectiveness of the loan processing team Vice President and Credit Administrator, 07/1991 - 04/2012 First National Bank of Florida – Milton, FL

Collaborated with auditors, examiners, and compliance partners to ensure adherence to policies, procedures, and regulations

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Developed and maintained departmental policies, procedures, and compliance reports for the Board of Directors

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Supervised loan underwriting, documentation review, and credit analysis functions, including non-accrual, charge-off, and OREO loans

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• As VP, managed loan operations, ensuring compliance with internal policies and regulatory requirements Compliance Diploma: Compliance

National Graduate Compliance School - Norman, OK

No Degree: Completed various financial courses including Accounting I & II and Analyzing Financial Statements

Pensacola State College - Pensacola, FL

No Degree: Consumer Lending, 06/1991

American Institute of Banking - Pensacola, FL

EDUCATION

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