Client Support Loan Processing

SHEILA CURRIER ******.********@*******.***

Sheboygan Falls, Wisconsin SHEILA CURRIER LinkedIn 414-***-**** LOAN PROCESSING SERVICING / CLIENT SUPPORT / MORTAGE SERVICES Driving Revenues, Growth, Performance and Profitability PROFILE and QUALIFICATIONS

Self-motivated, persistent, analytical, results-focused, and flexible, with strong interpersonal and communication skills. Experiences and Qualifications in Loan Servicing, Client Support and Mortgage Services. Seasoned in capturing business opportunities, improving operational performance, reducing costs, adapting to challenges, and overcoming obstacles. Creative in conceiving strategies and executing plans. Proactive and highly qualified professional with comprehensive experience streamlining loan processing operations Expertise extends to performing various service actions, including Change in Ownership, Assumptions, Modifications, Subordination Agreements, Loan Charge Offs and Refunds for the loans. Articulate communicator, adept at liaising with customers and managing loan collections, charged-off loans, and lien searches.

− Loan Process Servicing

− Reporting & Documentation

− Team Leadership & Collaboration

− Time Management & Multitasking

− Title and Appraisal Analysis

− Customer Service & Support

− SOPs & Regulatory Compliance

− System & Process Improvement

− Change & Conflict Management

− Data Analysis & Evaluation

− Insurance Payment Analysis

− Complex Problem Resolution

− Risk Assessment & Mitigation

− Client & People Management

− Written & Verbal Communication

PROFESSIONAL / TECHNICAL SKILLS

− Salesforce (Dynamics)

− ARTIVA Cross Servicing

− Contract Management System

− CME System

− Adobe/Cute PDF

− Credit Management System

− STARS (SBA System)

− AS-400/Signature Windows Based

− File Management

− Risk Management

− Windows and Mac OS

− E-Tran (SBA System)

− SL-Track, L-Track (SBA System)

− Pay.gov

− RAPID (SBA System)

− LIRA (SBA System)

− IVES (Government Portal)

− UPL Training (SBA System)

− Microsoft Office Suite

− Microsoft Teams

− OneNote

− SharePoint

− Dynamics

− E-Dox

− ELIPS (Government Portal)

− Social Media Enterprise

PROFESSIONAL DEVELOPMENT

ULP Training – March 2025

Women in Leadership: Mastering Key Leadership Competencies, Training Course – March 2025 SBA, SBA 7(a), SBA Express Loan, SOP, Franchise, IVES Training or 4506-T Training – November 2015 to May 2021 Heartland Custom Business Recovery in Your Institution, Training Course – December 2019 The Administrative Assistants Conference, Skill-Path Seminar – March 2013 Microsoft Excel Courses, Lakeshore Technical College – March 2013 PROFESSIONAL EXPERIENCE

Small Business Administration – Fort Worth, Texas April 2023 to May 2025 Loan Specialist

• Reviewed loan files (monthly) for accuracy of submitted documents creating tasks and actions for charging off loans resulting in:

− Agency Hold/Fraud Reviews – 1,595

− IDT Validation Reviews – 277

− Liquidation Fraud Reviews – 3,059

− Charge off/Liquidation Actions in SL Track – 60

− Borrower Calls – 20,844

− Servicing Actions – 5,569

• Serviced EIDL defaulted loans and recalled them to regular servicing status by:

− Analyzed loans with a financial calculator to determine if the borrower is eligible for a refund on the EIDL Loans

− Prepared tasks to recommend refunds to the borrower and communicated with borrowers if eligible for a refund or not and provided an explanation

− Performed follow-up with each customer to ensure that the borrower was aware of each step to resolve their requests and collaborated with Team Lead and Supervisor to determine the next step for tasks and actions

• Reviewed and analyzed Lexis Nexis Reports and Loan Authorizations to determine the recommendations for tasks and actions with guidance of the SOP determining bankruptcies of loans

• Presented researched SL-Track recommendations and or determinations related to the processing and servicing and/or liquidation/default of residential and business loans

• Analyzed insurance checks to SBA to determine where the funds would go to, whether loan payments, attorney fees and borrower, ensuring all funds are properly allocated

• Worked in SL-Track and reviewing recommendations and the determinations in SL-Track for all of these except for Bankruptcy as legal would do these transactions

SHEILA CURRIER PAGE TWO

PROFESSIONAL EXPERIENCE (Small Business Administration – continued)

• Verified and reconciled loan payment records to maintain accurate financial reporting

− Assisted in identifying files related to fraud, deceased borrower, business closure and bankruptcies, ensuring accurate and appropriate coding for proper classification and handling of the loans

− Confirmed accuracy of Bankruptcy/Fraud/Business Closure Claims for compliance purposes Highlight Technologies – El Paso, Texas May 2021 to April 2023 Loan Processing Assistant

• Independently streamlined loan management processes through administration of assigned portfolios of loans

• Support on-time resolution of loan management issues by summarizing recommendations for lead loan specialist review

• Determine trends in financial condition of client and compliance with loan terms/conditions by analyzing borrower's financial statements, especially regarding salaries, disposal of pledged assets, and additional requirements

• Played a key role in reducing delinquent loans and improving loan recovery rates communicating directly with borrowers, resulting in a reduction of 10% in delinquent loans

− Enforced compliance with regulatory requirements to avoid legal penalties by efficiently completing routine transaction requirements for assigned loans

− Suggested appropriate action regarding delinquent loans by communicating with loan specialists of borrower's payment record and referring delinquent loans over 120 days for further actions Heartland Financial USA, Inc. – Sheboygan Falls, Wisconsin October 2015 to May 2021 Government Guaranteed Credit Assistant

• Ensured smooth loan application process by providing expert-level assistance to portfolio managers and underwriters in obtaining upfront SBA items from lenders and relationship managers

• Retained government guaranty with SBA for loans and mitigated the risk of loan default by following all SOPs consistently

• Drafted various reports on daily, weekly, monthly, quarterly, and yearly basis, including loan maturity, SBA credit pipeline, approved loans, specialty lending, and comparison reports

• Fulfilled compliance requirements by efficiently uploading documents into the contract management system

• Generated significant costs/time savings by migrating to a paperless system and entering applications for CARES Act PPP loans

• Eliminated communication gaps to enhance process effectiveness by collaborating with IVES vendors to obtain transcripts after buyers and sellers sign the 4506-T form

• Contributed to improving franchise lending process by acting as primary contact for all franchise loan applications, while keeping them on SBA approved list

• Protected confidential information by successfully completing testing on mandatory banking requirements and protocols, including security and compliance

• Maintained top-tier records with maximum accuracy by compiling documents from SBA loans for review as well as auditing/creating/updating SBA review tracking reports for 11 Nationwide Banks

• Enabled loan applicants to meet SBA eligibility requirements by conducting thorough checks on business owners with over 20% ownership via execution of CAIVRS and circuit court records for 11 banks per SBA SOP

• Met regulatory requirements by verifying citizenship with USCIS and communicating with SBA for approval, while obtaining documentation and transmitting electronically to SBA and FBI in compliance with 912 processes ADDITIONAL PROFESSIONAL EXPERIENCE

Wisconsin Consumer Credit – Plymouth, Wisconsin – Administrative Account Specialist October 2015 Millenium Technologies – Plymouth, Wisconsin – Executive Assistant December 2012 to September 2014 National HME – Mequon, Wisconsin – Customer Service Representative May 2012 EDUCATION / CERTIFICATIONS

Cardinal Stritch University – Milwaukee, Wisconsin February 2001 Human Resource Management Certificate

Cardinal Stritch University – Milwaukee, Wisconsin May 2001 Bachelor of Science in Business Administration

Stratton College – Milwaukee, Wisconsin June 1995

Associate Degree in Business Management

LEADERSHIP / ACTIVITIES / VOLUNTEERISM

Heartland Financial USA, Inc. – Sheboygan Falls, Wisconsin October 2015 to May 2021 Volunteer

• Volunteer at Sharon Richardson’s Hospice retail store creating proceeds and funds for the Hospice Organization Sharon Richardson Hospice Resale Store – Sheboygan Falls, Wisconsin March 2018 Volunteer

• Cashier and assisted with the pricing of used items raising proceeds went towards Hospice patients NAMI – Sheboygan Falls, Wisconsin July 2018

Volunteer

• Performed landscaping, gardening, and Spring clean-up for the property for Non-Profit Organization

Contact this candidate