Joyce Erali
Commercial Administrator
Winston-Salem, NC 27104
607-***-**** ********@***.***
SUMMARY
Accomplished commercial banker with over twenty years of progressive experience in commercial loan operations. Possesses skills in loan documentation, quality control and loan review. Adept to working to effectively achieve organizational goals in both group and individual environments. Proven ability to thrive in high pressure situations.
CORE COMPENTANCIES
Critical Thinking
Compliance Knowledge
Customer Service
Trainer
Research and Analysis
Interpersonal communication
TECHNOLOGY SKILLS
Micro Soft Word and Excel
Strategy (McCracken)
Signature
Laser Pro
Credit Track
ENACT
Internet Research
PROFESSIONAL EXPERIENCE
WEBSTER BANK, fka STERLING NATIONAL BANK, Jericho, New York
Loan Administrator Feb 2019 – Jul 2024
Reviewed and completed due diligence on commercial loans. Prepare all related documents for Lines of Credit, Term and Mortgage backed loans. Ordered backup documents, (Certificates of Good Standing, flood certificates), filed UCC statements. Prepare loan covenants and waivers. Calculated escrow payments. Processed fees. Prepare closing packages to send to the booking team. Work with attorneys. During the Covid -19 pandemic, processed loan deferrals and Paycheck Protection Program loans. Worked on various department projects and trained and assisted Junior Administrator.
TOMPKINS TRUST FINANCIAL COMPANY, Ithaca, New York
CRA Assistant/Loan Servicing Nov 2012 - Jul 2015
Performed Quality Control for CRA, HMDA and Flood guidelines. Validated and researched loan qualifications for Community Redevelopment. Spreadsheet reports for analysis lending in assessment areas. Processed payments.
MILE HIGH BANKS, Boulder, Colorado
Loan Administrator/Loan Review Oct 2004 - Aug 2012
Managed Quality Control of commercial loan files for compliance regulations, loan conditions and document accuracy. Validated loan coding on bank system.
GUARANTY BANK & TRUST COMPANY, Denver, Colorado
Loan Documentation Specialist Jan 1998 - Aug 2004
Prepared complex commercial loans, SBA and participation packages. Reviewed loan agreements to ensure accuracy. Managed loan exception report. Monitored daily work for accuracy. Lead person for special loan documentation and releases (ex: airplane loans, patents, agriculture and specific real estate).
EDUCATION
UNIVERSITY OF PHOENIX, Albuquerque, NM
BS Business Administration, Sep 1997 3.50 GPA