Banking and Financial Services

Alicia Hall

Financial Services professional

813-***-**** *********@*****.*** Ruskin, FL

Professional Summary

Senior banking and mortgage operations professional with over 15 years of experience supporting retail and commercial lending across top-tier financial institutions. Expertise includes mortgage processing, TRID compliance, KYC/AML, underwriting support, and risk mitigation. Proven ability to manage complex loan files, maintain audit-ready documentation, and collaborate cross-functionally to meet regulatory, underwriting, and closing timelines.

Key Skills

Financial Analysis Commercial Lending KYC/AML Treasury Management Risk Management Team Leadership Client Relations

Technical Skills

Microsoft Suite Docusign Encompass nCino Desktop Underwriting

Work Experience

Loan Specialist II Raymond James Bank St. Petersburg, FL

Jan 2026 – Present

•Process and review complex retail mortgage loan files from approval through closing, ensuring full compliance with TRID, federal, and state regulations.

•Prepare, review, and validate loan disclosures, closing documents, and post-closing packages for accuracy and completeness.

•Coordinate with internal partners, title companies, and clients to clear conditions and meet closing timelines.

•Identify documentation discrepancies and escalate higher-risk issues in accordance with compliance and risk guidelines.

•Maintain consistent documentation standards to support audit-ready loan files.

Personal Banker II Fifth Third Bank Tampa, FL

Jan 2024 – Jan 2026

•Conduct comprehensive client consultations and financial assessments to recommend appropriate consumer and business banking solutions while adhering to compliance and risk requirements.

•Cross-sell consumer and business deposit accounts, lending products, merchant services, and treasury solutions.

•Open, close, and maintain consumer and business accounts in accordance with bank policy and regulatory standards.

•Source referrals to internal business partners to support broader financial relationship development.

•Monitor account activity to identify potential fraud, suspicious behavior, and risk indicators.

Libor Consultant Citi Bank Tampa, FL

Sep 2022 – Jun 2023

•Compile, monitor, and retain client documentation to satisfy LIBOR transition requirements and regulatory retention standards.

•Distributed documentation to clients via mail and Docusign and monitored timely return of fully executed documents.

•Followed up with clients through email and written correspondence to ensure completeness and accuracy.

•Coordinated with operations teams to process completed documentation and track execution status.

•Communicated risk and margin analysis results to senior management and sales partners.

•Prepared internal presentations and reports summarizing risk issues and project status.

Senior Mortgage Processor Freedom Mortgage Tampa, FL

Sep 2020 – Jul 2021

•Processed VA, Jumbo, Conventional, and IRRRL mortgage loans, ensuring adherence to underwriting guidelines and lending regulations.

•Reviewed loan files for completeness, accuracy, and compliance prior to submission to underwriting.

•Analyzed borrower financials including income, assets, liabilities, and debt-to-income ratios.

•Reviewed appraisals and collateral documentation to validate property value and loan eligibility.

•Coordinated resolution of complex operational issues and assisted with escalated borrower concerns.

•Supported team performance by reviewing pipelines, analyzing data, and assisting peers as needed.

Home Service Specialist II Bank of America Tampa, FL

May 2019 – Mar 2020

•Reviewed and managed mortgage pipelines to identify required follow-up actions and resolve open conditions.

•Interacted directly with clients to communicate outstanding requirements and resolve loan-level issues.

•Reviewed appraisals, collateral documentation, and loan conditions for accuracy and validity.

•Partnered with internal account executives and operations teams to expedite processing and resolution.

•Escalated complex issues to management to ensure timely and accurate resolution.

Credit Support Specialist II Bank of America Tampa, FL

Mar 2009 – April 2019

•Managed and monitored a commercial credit portfolio of 3,000+ clients with exposures up to $1.5M.

•Performed ongoing credit risk analysis, including financial statement review and risk rating updates.

•Conducted AML and KYC reviews to support sound lending decisions and regulatory compliance.

•Coordinated the collection of financial statements and supported the timely renewal of expiring lines and loans.

•Maintained data integrity across systems of record and processed credit events in accordance with policy.

•Served as subject matter expert and supported new-hire training.

•Participated in user acceptance testing (UAT) for system upgrades and enhancements.

Education & Certifications

Bachelor’s Degree Business Administration St Leo University Expected Graduation: Fall 2027

NOTARY COMMISSION HH 107208 ISSUED APRIL 2021

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