Banking Experience Vice President

Christine Hicks Lewis

**** ****** *** ***** **** - Evergreen, Colorado- 80439- (C) 303-***-**** – ****************@***.*** *********.*****@***.***

Citizenship: United States of America

Professional Summary

41 Years of Banking Loan Experience

• Extensive experience in all areas of finance

• Specialized Banking Experience: Commercial Loans, Construction Loans, Consumer, Mortgage and U.S. Government Small Business Administration PPP Paycheck Protection Program, COVID, EIDL loans.

• Compliance Officer

• Processed Cash Transaction Reports (CTR)

• Anti-Money Laundering (AML)

• Bank Secrecy Act (BSA)

• Suspicious Activity Reports (SAR)

• Researched identity theft, fraud, phishing

• Fraud Investigator and Analyst

• LexisNexis Researcher

• Loan Auditing and Reviewer

• Conducted on-site branch cash audits

• Branch Audits

• Performed loan auditing for branches, managed and reviewed loan documentation, commercial, construction and consumer loans

• Assistant Vice President

• Branch Manager

• Front-line trainer for new hires,

• Processed Cash Over Short Report

• Created Desktop Procedures Manual for inter-department education and cross training

• Negotiating with borrowers and/or third parties to obtain satisfactory resolution in adversarial situations.

• Conducting investigations and analyses in preparing a variety of servicing, collection, and liquidation actions.

• Determining the financial responsibility of borrowers and/or guarantors following a detailed financial analysis.

• Responding to demands for payoffs from escrow companies and research requests for reconveyance on previously paid loans to prepare documents.

• Preparing releases for borrowers and notice of fully paid accounts where certified funds are received.

• Responding in writing to a full range of inquiries from borrowers concerning residential and commercial loan servicing and liquidation to assist in the liquidation of delinquent loans.

• Analyzing financial statements, tax returns, credit reports, and/or earning potential of individuals and/or business enterprises; andMaking recommendations related to the processing, servicing, and/or liquidation/default of residential or business loans

• Communicating orally with a variety of contacts to provide counsel or advice regarding financial or loan-related matters

• Communicating in writing with a variety of contacts to provide counsel or advice regarding financial or loan-related matters.

• Reviewing and passing upon applications for commercial, bank, or mortgage loans; servicing a loan portfolio of a bank or other loan association; performing financial analysis of commercial concerns for investment purposes; appraising real estate to determine property valuation.

• Experience: Gathering and analyzing facts and figures and presenting the information or conclusions in clear oral and written language; knowledge of the principles of financial analysis or of insurance laws, contracts, property.

• Finance, business administration, economics, accounting, insurance, engineering, mathematics, banking and credit, law, real estate operations, statistics.

• Process home and/or business loans and make recommendations on collateral needed to secure loans.

• Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

• Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

• Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

• Process loan applications on web-based computer systems

• Respond in writing to applicants or their representatives

• Using qualitative and quantitative analytical techniques, a broad knowledge of financial management-related laws, administrative regulations, policies, procedures, fact-finding techniques, and skill in applying evaluative methods to measure the operational effectiveness and efficiency of the SVOG program.

• Reviewing the final financial status reports within a case file to ensure that all obligations incurred meet conditions in Department of Health and Human Services (DHHS) regulations, program guidelines, cost principles, and the specific limitations stated on the notice of grant award.

• Performing complex financial and administrative analyses of a variety of grant mechanisms to determine if costs are reasonable, allowable, and allocable.

• Providing technical authority in the development and review of compliance policies and procedures issued by the SBA, ODR&R, and SVOG.

• Analyzing and resolving complex problems and/or interpreting complex financial statements Monitoring and maintaining progress towards program strategic goals and/or objectives

• Executing operational policies and procedures

• Adhering to statutory, regulatory, and/or internal program compliance requirements

• Identifying and developing ways to resolve problems or manage issues.

• Compliance Inspection

• Manages and Organizes Information

• Assisting with completing home and/or business loan applications electronically and communicating disaster loan program information to disaster survivors.

• Making recommendations or decisions to approve or decline business loans.

• Investigating and evaluating credit histories to determine credit worthiness of businesses.

• Making recommendations or decisions to approve or decline residential or business loans.

• Investigating and evaluating credit histories to determine credit worthiness of individual or businesses.

• Explaining loan closing documents to borrowers and assisting in closing approved disaster loans.

• Using computer skills to input disaster survivor information to complete loan applications, utilize e-mail, word processing, spreadsheets, and the Internet, and to navigate within a database to input and retrieve information.

• Performing some financial computations/analyses to determine applicants' ability to repay loans.

• Experience utilizing mobile and desktop productivity applications such as web browsers, email, spreadsheets, and word processing.

• Knowledge/proficiency of word processing programs, spreadsheets, email platforms and/or other automated software communication tools such as Microsoft 365 or Google Workspace.

• Responding to a variety of business-related customer inquiries and providing program information to the public.

• Working as a member of a team or group to achieve goals, objectives or metrics to produce deliverables.

• Working with financial documents: such as, tax returns, income (profit and loss) statements, schedules of liabilities, balance sheets.

• Responding to a variety of customer financial inquiries and/or providing financial information to the public.

• Working with various financial documents such as tax returns, income (profit and loss) statements, schedules of liabilities and balance sheets for individuals or businesses.

• Leads a team and provides oversight of the quality of work, while further developing staff, and assuring adherence with established policies and procedures.

• Experience utilizing mobile and desktop productivity applications such as web browsers, email, spreadsheets, and word processing.

• Review pertinent facts and make eligibility determinations by analyzing factors such as intended use of proceeds, legislative and administrative limits.

• Contact banks and other third parties to obtain information necessary to formulate loan recommendations.

• Respond to inquiries from applicants, their representatives and agents, and others concerning the status of applications and reasons for agency decisions.

• Process loan modifications by performing necessary analysis and preparing full documentation supporting the analysis.

• Assist Case Managers with closing and disbursing approved loans.

• Gathering and analyzing facts and figures and presenting information or conclusions orally and in writing.

• Providing knowledge of the principles of financial analysis or of insurance laws. This experience may have been gained performing functions such as the following:

• Working with loans.

• Reviewing credit reports and/or mortgage documents.

• Interpreting and explaining pay information to employees.

• Gathering, analyzing, or presenting financial or insurance information.

• Mortgage underwriting of simple residential lending to include making recommendations on loans.

• Extensive experience as a Credit Analyst, Credit Underwriter, Mortgage Underwriter, Loan Officer, Loan Processor and Mortgage Loan Originator.

• Analyzing consumer Bureau Reports (CBR's) to make determinations on credit worthiness.

• Auto lending.

• Process home and/or business loans and make recommendations on collateral needed to secure loans.

• Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

• Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

• Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

• Process loan applications on web-based computer systems

• Respond in writing to applicants or their representatives.

• Making recommendations or decisions to approve or decline residential or business loans.

• Investigating and evaluating credit histories to determine credit worthiness of individuals or businesses.

• Experience in responding to a variety of customer inquiries, ranging from routine to complex.

• Experience preparing written responses to email inquiries.

• Assisting borrowers with completion of their loan closing documents and answering questions regarding the loan closing and disbursement process.

• Accepting borrower payments using online payment processing tools.

• Using a variety of computer systems to research customer inquiries, record call activity and prepare appropriate forms and letters.

• Communicating effectively orally with various internal and/or external customers to accomplish program objectives and goals.

• Communicating effectively in writing with various internal and/or external customers to accomplish program objectives and goals.

• Researching and responding to customer inquiries using analytical abilities and problem-solving skills.

• Explaining loan requirements and credit/lending concepts to a diverse audience.

• Experience utilizing mobile and desktop productivity applications such as web browsers, email, spreadsheets, and word processing.

• Other Skills

o Attention to Detail

o Computer Skills

o Customer Service

o Federal Funds Processing

o Flexibility

o Influencing/Negotiating

o Integrity/Honesty

o Interpersonal Skills

o Learning

o Oral Communication

o Reading

o Reasoning

o Self-Management

o Stress Tolerance

o Teamwork

o Technical Competence

o Written Communication

• Process home and/or business loans and make recommendations on collateral needed to secure loans.

• Apply accepted financial procedures to analyze financial resources to determine an applicant's ability to repay requested loans.

• Review all pertinent facts needed to make eligibility determinations by analyzing such factors as the nature and cause of damage, intended use of proceeds, legislative and administrative loan limits, and disposition of insurance and other recoveries.

• Ensure loan files contain all pertinent documentation to include conversations with applicants and written recommendations or justifications for conclusions.

• Process loan applications on web-based computer systems

• Respond in writing to applicants or their representatives

• Making recommendations or decisions to approve or decline business loans;

• Investigating and evaluating credit histories to determine credit worthiness of businesses. U.S. Federal Government

Small Business Administration

Loan Specialist GS 12

FY 2023 Performance Appraisal Rating Exceeds Expectations (Level 4) Converted over from Contractor to Temp on 05/2023 to 05/2024 Hours per week: 40

Duties, Accomplishments and Related Skills

• Fraud Investigator and Analyst

• LexisNexis Researcher

• Identity Theft

• PPP (Paycheck Protection Program)

• Viewed as a resource for the agency by processing R1, R2, R3 Paycheck Protection Program

(PPP) Forgiveness Applications

• Recognized as a Top Producer completing 566 loans from 05/01/2023 to 08/01/2023 with few or no returns

• Process various loans up to 10 million approval limits

• Leadership role in coaching, training, and mentoring others

• Proactive by assisting with oversite, guidance, advising, and assisting supervisor team members

• Reviewing team members loans before submission for further accuracy prior to decisioning

• Excellent critical thinking and problem-solving skills

• Excellent decision making, oral communication, and reasoning skills

• Pull (STAR) reports from other websites to gain knowledge on specific loans being worked

• Called upon to assist management and supervisor to resolve complex issues on special cases by completing a full review of files

Current Special Projects

• SBA Fraud Unit (PPP Fraud, Identity Theft)

• Affiliation Team

• Guarantee Purchase

• Post Payment Review (PPR)

• OIG Duplicate Loan Project

• Special Review Team for Hold Codes 41/50 Appeals

• Post Payment Reviews - Review and decision R3 Post Payment Review PPP loans

• Selected by Team Captain to assist with creating procedures for the PPR project

• Reviewed and processed R3 Hold Code 43 loans that needed to be declined due to suspected fraud

• Submitted R3 Hold Code 88 NAICS code problematic loans

• Selected to handle suspicious activity for potential/questionable loans for fraud project

• In charge of daily input for tracking and weekly reporting of the potential/questionable loans fraud spreadsheet for TEAM 3 and 13

• Fraud Files - Assists agency with vital need to consolidate collection of potential fraud files

• Member of Tax return research project

RP Pro Services Contractor for the Small Business Administration Loan Specialist Equivalent to GS 12

4/2022- 05/2023 (Converted over from Contractor to Temp 05/2023) Hours per week: 40

Duties, Accomplishments and Related Skills

• Viewed as a resource for the agency by processing R1, R2, R3 Paycheck Protection Program

(PPP) Forgiveness Applications

• Recognized as a Top Producer completing 611 loans from 01/01/2022 to 08/26/2022 with few or no returns

• Process various loans up to 10 million approval limits

• Leadership role in coaching, training, and mentoring others

• Proactive by assisting with oversite, guidance, advising, and assisting supervisor team members

• Reviewing team members loans before submission for further accuracy prior to decisioning

• Excellent critical thinking and problem-solving skills

• Excellent decision making, oral communication, and reasoning skills

• Pull (STAR) reports from other websites to gain knowledge on specific loans being worked

• Called upon to assist management and supervisor to resolve complex issues on special cases by completing a full review of files

Current Special Projects

• Special Review Team for Hold Codes 41/50 Appeals

• Post Payment Reviews - Review and decision R3 Post Payment Review PPP loans

• Selected by Team Captain to assist with creating procedures for the PPR project

• Reviewed and processed R3 Hold Code 43 loans that needed to be declined due to suspected fraud

• Submitted R3 Hold Code 88 NAICS code problematic loans

• Selected to handle suspicious activity for potential/questionable loans for fraud project

• In charge of daily input for tracking and weekly reporting of the potential/questionable loans fraud spreadsheet for TEAM 3 and 13

• Fraud Files - Assists agency with vital need to consolidate collection of potential fraud files Member of Tax return research project

Highlight Technologies Contractor for the Small Business Administration

Loan Specialist Equivalent to GS 12

4/2021 - 4/2022

Hours per week: 40

Duties, Accomplishments and Related Skills

• Assigned to Higher Authority Reviewer (HAR) Paycheck Protection Program (PPP)

• Completed R1, R2, R3, Paycheck Protection Program (PPP) applications

• Training, mentoring, and assisting team members (training, guidance, oversite, advice)

• Review team members loans before submission for further accuracy prior to decisioning

• Exemplify leadership role in coaching, training, and advising of others

• Excellent critical thinking and problem-solving skills, advanced decision-making skills, excellent oral and written communication, accelerated problem solving, and amplified reasoning skills Evergreen Guitar Dojo

Accounting Assistant

1/2018 - 4/2021

Hours per week: 40

Duties, Accomplishments and Related Skills

• Demonstrated mastery of technical skills in Accounts receivable, Accounts payable, Processing payments, Quarterly reports, and Monthly billing

The Mortgage Company

Transaction Manager/Loan Processor Assistant

1/2013 - 1/2018

Hours per week: 50

Duties, Accomplishments and Related Skills

• Order all title documents, payoffs, appraisals, verification of rent, verification of deposit, and Hazard insurance, and Master insurance

• Processed and reviewed H06 insurance for adequate coverage and accuracy

• Review title documents for accuracy and check for all necessary title documents

• Completed verification of employment and review verification of employment for accuracy Milestone Mortgage

Project Administrator

1/2011 - 1/2013

Hours per week: 40

Duties, Accomplishments and Related Skills

• Project Administrator, order all title documents, payoffs, appraisals, verification of rent, verification of deposit, hazard insurance, master insurance and H06 insurance for adequate coverage and accuracy

• Review title documents for accuracy and check for all necessary title documents

• Ordered verification of employment and review verification of employment for accuracy Volunteer Work

Mission Arvada Homeless Ministry - Volunteer

Mission Arvada Food Bank - Volunteer

Mountain Senior Resource Center - Volunteer

Food Bank of the Rockies

The Rising Church - Praise Team, Deacon, Church Clerk Education

Credit Union Association of Colorado Compliance School Boulder, Co. Technical Degree/Certificate American Institute of Banking Denver, Co. Technical Degree/Certificate Evergreen Senior High School Evergreen, Co. High School Diploma Skills

MS Office 365, Word, Excel, PowerPoint, Outlook, MS Teams, STAR, CAFS, PPP Platform, PPR Platform, T.R.I.P., SharePoint, Compliance Expert Certificate, Certified in Loans, Bank Regulations, Loan Processor Squared Certification, A-Z Risk Management, Contingency Planning and Disaster Recovery, Bank Secrecy Act, Anti-Money Laundering, Core Skills for Building Commitments, Creating Stellar Customer Service, Training Guiding Member Conversations, IRA Training, Right To Financial Privacy Act, Third Party Relationships, Crucial Conversations, Principles of Banking, Accounting, Marketing, Consumer Lending, Commercial Lending, and Construction Lending

Awards

• January 2022 Winner for Employee of the Month at Highlight Technologies

• Two-time finalist for Employee of The Month at Highlight Technologies (2021)

• Integrity Award at Highlight Technologies (2021) Subject: Nomination for Employee of the Month - Christine Lewis Good morning, Jean

Please accept this nomination of Christine Lewis for Highlight Employee of the Month. Christine is an excellent and valued member of Team 3. She is a leader, mentor, and someone with whom I have come to depend upon. She follows instructions, is a team player, and has an outstanding work ethic.

Christine has consistently been a top producer; she understands the process and has few loan returns. In addition to leading our team in loan production and quality, Christine maintains a log for both Teams 3 and 13 for questionable fraud files, she also spends a fair amount of time training others and answering questions. I was asked to assist with another team and because of Christine and others on Team 3, I have the confidence that the processes we have in place on Team 3 will consistently run smoothly. This is because of the dedication, collaboration, and thoughtfulness of vital employees like Christine Lewis.

Christine is an exceptional employee, has a great attitude and can be depended upon to get the job done when on short deadlines.

Thank you for your consideration and please see the email below demonstrating Christine’s placement in being considered a top producer on our team for all three review levels (R1’s- R3’s). I am pleased to recap that Christine is a top producer in both quality and quantity, but she also does SO much more for our team(s)!

Mary Arch

Supervisory Loan Specialist

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