Senior Banking Operations & Loan Servicing Executive

CARMEN GONZALEZ

Orlando, FL ***** 407-***-**** **********@*****.***

EXECUTIVE PROFILE

Senior Banking Operations Executive with extensive experience in commercial lending, SBA 504 servicing, loan documentation, compliance oversight, and financial operations. Demonstrated success managing high-volume transactions, reconciling complex accounts, mitigating operational risk, and supporting portfolio management teams. Recognized for accuracy, regulatory adherence, cross-functional leadership, and process optimization. Fully bilingual in English and Spanish.

CORE COMPETENCIES

Commercial Loan Servicing • SBA 504 Loan Processing • Loan Documentation & Compliance • Account Reconciliation • ACH & Wire Transfers • Escrow Administration • Portfolio Support • Regulatory & Audit Coordination • Workflow Optimization • Risk Mitigation • Salesforce & nCino • Microsoft Excel & Google Sheets • Client Relationship Management • Bilingual (English/Spanish)

PROFESSIONAL EXPERIENCE

AVP, Operations Specialist First Horizon Bank Orlando, FL 2018–2025

• Directed SBA 504 loan payment processing including interest reserves, ACH origination, and wire transfers.

• Oversaw reconciliation of Operations, Escrow, Good Faith Deposits, and past-due accounts to ensure financial accuracy.

• Partnered with Portfolio Managers to execute loan renewals, new funding, and fee processing within compliance standards.

• Coordinated construction loan disbursements and validated documentation to mitigate operational risk.

• Collaborated with compliance and audit teams; trained and mentored new operational staff. Loan Preparation Specialist SunTrust Bank Orlando, FL 2013–2017

• Validated commercial loan packages for underwriting readiness and regulatory compliance.

• Managed high-volume loan submissions via Salesforce and nCino platforms.

• Maintained SLA performance standards while coordinating with relationship officers and underwriting teams. Imaging Specialist SunTrust Bank Orlando, FL 2012–2013

• Reviewed and verified commercial loan documentation for regulatory compliance.

• Managed digital imaging and secure record retention of loan files. Loan Closing Specialist SunTrust Bank Orlando, FL 2005–2012

• Prepared and reviewed documentation packages for real estate and commercial loan closings.

• Resolved discrepancies and coordinated closing schedules with clients and relationship managers. Adjustment Specialist SunTrust Bank Orlando, FL 2004–2005

• Investigated and resolved out-of-balance conditions and Federal cash letter discrepancies.

• Performed financial research and account adjustments to ensure ledger accuracy. Commercial Loan Servicing Specialist SunTrust Bank Orlando, FL 1998–2004

• Researched and reconciled complex commercial loan accounts and past-due balances.

• Provided client support, conducted UCC searches, and processed credit requests.

• Trained new associates and supported departmental initiatives. Branch Teller SunTrust Bank Orlando, FL 1994–1998

• Processed high-volume monetary transactions with accuracy and compliance.

• Balanced currency drawers and conducted ATM audits. Front Desk Agent Radisson Hotel 1989–1994

• Managed guest services, billing, and cash handling operations in a hospitality environment. Front Desk Agent Rihande Continental Hotel 1988–1989

• Delivered guest registration services and maintained manual and system financial ledgers. EDUCATION

Bachelor of Business Administration University of Puerto Rico

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