Senior Loan Mortgage
Resume:
cSharon S. Visconti
***********@*****.*** (H) 860-***-**** (C) 860-***-****
https://www.linkedin.com/in/sharonvisconti/
Professional Experience
Webster Bank May 2022 – September 2022
Title: Senior Loan Servicer – Contract
Compile collateral review checklist, follow ensuring in accordance with procedures put in place. Identify collateral documents and store/file them as per procedures. Process loan files and remove any duplication within the file and prepare them for shredding. Pull collateral documents request when needed for loan sales or special servicing reports. Prepare as required any additional follow-up documentation required by the investor for the purchase of loans. Report problems that my impact on loan quality to manager. Maintain accurate records of outstanding documentation. Assist as required with special projects. Familiarity with mortgage loan documentation.
Brillient Corporation - U.S. SBA Disaster April 2020 – May 2022
Title: Loan Specialist – Remote
This role will perform a variety of quasi-professional duties necessary to process, servicing, liquidating, or other transactions for all types of agency loans. Normal duties performed without direct supervision. Guidelines consist of U.S. Small Business Disaster Agency policies, procedures, directives, and applicable legislation. Duties designated to relieve Senior Loan Specialist of a variety of technical and analytical duties. Manage assigned portfolio of loans, (EIDL Program) Economic Injury Disaster Loans during COVID shutdown. Analyze borrower’s financial statements, compare with statements previously furnished to determine trends in financial condition and to determine compliance with loan terms and conditions. Prepare and analyze information to develop transaction documents, answer basis credit requests from individual borrowers, banks, and other financing agencies.
MidCap Business Credit, LLC October 2018 – October 2019
Title: Operations Analyst
Process advance requests, input daily loan and collateral data into the operating system, run daily and weekly reporting. Review and document client’s daily cash collection status to confirm loan accounting activity, reconcile, complete end of day batch processing balance, complete loan, and collateral reconciliations. End of month batch processing, reporting and reconciliation to include client A/R and A/P. Portfolio analysis as directed, review/analyze client collateral performance and trends to identify weakness and confirm requested extensions of availability. Conduct verification, portfolio concentration analysis. Provide support for loan review meetings to include assembling reports and providing collateral information update at the meetings. Track required reporting process, reporting/filing and running end of day loan/collateral operations batch processing.
William Raveis Real Estate October 2012 – September 2018
Title: Realtor
Identify, research, and engage with prospective real estate clients, providing exceptional knowledge of the area market and property values. Aggressively pursued multiple lists and sales in the West Hartford area, providing expertise in unoccupied properties, collaborating with clients daily to attain listings and sell properties. Exceptional marketing skills, diverse skills, experienced with mortgages, insurance. Utilized strong written and verbal communications to build and foster client relationships. Exceptional knowledge in leasing, rental properties and more.
U.S. Treasury Department (IRS) January 2008 – July 2012
Title: Technical Specialist
Managed high-profile examination files, fraud, non-filers, innocent spouses, and informant cases. Maintained confidentiality in utilizing restricted software for audits, credit card uses in the procurement of necessary supplies for Examination Unit. Expertly utilized GSA Smart/Pay travel cards for training and travel and creating itineraries for training. Utilized restricted government payroll software for recording staff time records, payroll, and reporting. Managed extremely confidential and proprietary information with clearance and discretion. Scheduled and completed domestic travel arrangements, including flights, hotel accommodation, care service. Liaison with senior level management and staff to coordinate activities and meetings. Coordinate small/large meetings, conference calls and global video conferencing. Managed filing, copying, scanning, and faxing. Process invoices for payment. Audit all files for completion of documents necessary for IRS Agents to process.
Lulac Head Start, Inc. (Non-Profit) August 2005 – December 2007
Title: Human Resources Manager
Managed all human resources processes for a staff of over two hundred employees serving more than 320 children from infancy to pre-school. Identified and trained candidates, and implemented physicals, drug, and tuberculin checks, providing new employee orientations and enrollment in benefits plans. Advertisements placed for all new open positions, set up interviews, hiring orientations, training development, processed payroll using ADP Software, staff training, personnel records maintenance, labor agreements, labor relations and employment law knowledge required. Remained diligent and abreast of workers’ compensation, employee handbook development, HIPPA Guidelines, EEO, COBRA benefits, OSHA and FMLA. Processed criminal background checks, scheduled physicals, and drug tests requirement. Completed DMV checks and fingerprinting. Completed all exit interviews.
Waterford Hotel Group (Contract) August 2004 – July 2005
Title: Office Manager/HR Manager
High profiled executive level administration position supporting CEO for a multi-faceted construction project encompassing The Connecticut Convention Center, The Marriott, The Hartford Hilton, and the Connecticut Science Center. Ensured seamless travel arrangements and itineraries. Non-stop pressure and fast=paced corporate environment. Answered all incoming calls for immediate supervisor and corporate staff. Processed and maintained all security reporting for all card keys (Access Control Management Software and Topaz Program Infographics). Video conferencing and advanced preparation of materials and audio/visual facilities. Primary point of contact and liaison with the property management office. Execute general office and operational needs of the office.
Greenwich Housing Authority (Non-Profit) July 2000 – July 2004
Title: Human Resources Manager
Major focuses on recruitment for diverse personnel staff of over two hundred employees. Reported directly to the CEO and Deputy Director of Greenwich Housing Authority. Scheduled weekly meetings with Safety, Modernization, Maintenance, Property, Housing and Finance Directors. Supervised (3) employees. Advertisements placed for all new open positions, set up interviews, hiring orientations, training development, processed all payroll using ADP Software, staff training, personnel records maintenance, labor agreements, labor relations and employment law knowledge required. Remained diligent and abreast of workers’ compensation, employee handbook development, HIPPA Guidelines, EEO, COBRA benefits, OSHA and FMLA. Processed criminal background checks, scheduled physicals, and drug tests requirement. Completed DMV checks and fingerprinting. Completed all exit interviews. Coordinated Union wages with Teamsters for maintenance division. Setup automative withdrawals for monthly dues using ADP Software.
Greenwich Housing Authority (Non-Profit) May 1998 – June 2000
Title: Office Administrator/Modernization Procurement
Under the direction of the Chief Executive Officer and Deputy Director, responsible for technical and administrative duties to facilitate the work for the CEO and Deputy Director, Planning and Development and Director of Maintenance. Arrange schedules and delegates office tasks to staff. Maintain confidential information. Perform technical work of a complex nature for the CEO. Administers personal schedules and appointments and meetings for special projects. Acts as liaison between department heads and the CEO, screens telephone calls and replies daily to all incoming correspondence, maintains filed. Assist Director of Modernization in bid proposals of multiple projects, knowledge of Department of Economic & Community Development (DECD) State of Connecticut programs and Community Department of Economic Development (CDBG) a federal program. Prepares reports, presentations, collecting, assembling, and analyzing data and preparing information for special projects.
TD Bank / American National Bank May 1991 – April 1998
SBA Assistant Liaison
Assisted Loan Officers in the process of completing loan applications for SBA Loans, 7(a) loans, 90% Guaranty, CLP, PLP, Women & Business, Micro- lending, Minority loans and 504 loans. Scheduled review with loan applicants requesting required documentation, i.e., business plans, personal and corporate tax returns. Process/analyze credit reports, complete pro-forma balance sheet and calculate key ratios, draft U.S. SBA loan authorization from (bank committee letter) from loan presentation and loan committee. Review collateral files to ensure compliance with Loan Authorizations and prepare copies of all closing documentation, i.e., note, guaranty agreement, mortgage, settlement sheet, UCC-1, and much more. Knowledge of Accounting skills required in setting up loan preparation, tax returns, business plans, pro-forma complete, collateral eligibility, credit analysis. Interact with Credit and Collateral Operations Department to resolve any outstanding deficiencies and special projects including insurance and UCC-1 Financing Statements. Prepare monthly report for Controllers regarding the unguaranteed portion of the SBA Portfolio. Review collateral file to ensure compliance with loan if defaulted, for the purchase of the 90% guaranteed portion the SBA will pay the bank back.
Education, Licensure, and Training
Notary Public – State of CT, Secretary of State 08/31/2028 License #0086762
Morgan Gardner Bulkeley High School, Hartford, CT
H & R Block Certification, American Institute of Banking (AIB), Accounting 1
American Institute of Banking (AIB), Analyzing Financial Statements
Hartford Community College – Financial Analysis
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