Finance Professional
Resume:
CHARLES A. SMITH III
Senior Lending Operations & Compliance Specialist SBA 7(a)/504 CRE Loan Management Risk & Documentation Governance
CORE COMPETENCIES
High-level operational oversight
& compliance governance
Stakeholder alignment across
lending, legal, underwriting &
technical teams
Compliance & risk control (TRID,
ECOA, HMDA, RESPA, SBA SOP)
Loan, collateral & property data
analysis
Systems proficiency: Salesforce,
nCino, LaserPro, ETran,
Encompass, Jack Henry, AFS,
DU, LP
High-volume prioritization &
deadline management
EDUCATION
BACHELOR OF SCIENCE
INFORMATION TECHNOLOGY
(INFORMATION ASSURANCE &
SECURITY)
American InterContinental
University, Schaumburg, Illinois
Epsilon Pi Tau Honor Society
Dean's List
Magna Cum Laude
2023 – 2025
CYBERSECURITY CERTIFICATE
San Diego State University, San
Diego, CA
2021-2022
ASSOCIATE OF SCIENCE
(COMPUTER SCIENCE)
Devry University, Long Beach, CA
2007 – 2009
PROFESSIONAL EXPERIENCE
ASSOCIATE PERSONAL BANKER NMLS LIC. #1438957
OCTOBER 2025 – JULY 2026
Wells Fargo Bank, San Diego, CA
• Advocated banking products such as consumer and small business accounts, credit cards, mortgage loans, and personal loans, driving branch revenue growth.
• Analyzed customer needs to recommend tailored financial solutions and services.
• Assisted customers with deposits, withdrawals, transfers, loan payments, and other banking transactions.
• Resolved client inquiries and concerns promptly to ensure satisfaction and retention.
• Ensured compliance and security by following operational standards and reporting fraud risks.
SBA COMMERCIAL REAL ESTATE SERVICING CLOSER
SEPTEMBER 2022 – JUNE 2025
U.S. Bank, San Diego, CA
• Serviced SBA 7(a)/504 closing projects, ensuring timely execution and full compliance with SBA and SOP.
• Ensured documentation completeness, eligibility, and guaranty protection through rigorous review and quality checks.
• Performed high-level loan review for loan modifications, subordination, payoffs, lien releases, and assumption requests.
• Coordinated with underwriters, relationship managers, fund control, and credit teams to ensure closing and loan booking are on track.
• Facilitated communication between borrowers, title/escrow, attorneys, and internal teams to resolve issues and prevent delays. COMMERCIAL REAL ESTATE LOAN PROJECT MANAGER
FEBRUARY 2019 – AUGUST 2022
Fundloans, San Diego, CA
• Managed a 20+ loan commercial/CRE pipeline, ensuring documentation accuracy, credit policy alignment, and investor/SBA compliance across all stages of the loan lifecycle.
• Led cross-functional coordination with underwriting, credit, legal, closing, and external partners to deliver complete, audit-ready loan packages within SOP and SLA requirements.
• Performed financial and credit analysis, collateral evaluation, and borrower risk assessment to support sound underwriting and credit decisions.
• Led the closing process, working with title/escrow and attorneys to achieve minimal post-closing errors and maintain audit-ready documentation. PROFESSIONAL PROFILE
Experienced finance and lending operations specialist with 10+ years in SBA 7(a)/504 and consumer lending sectors. Expertise in credit analysis, underwriting, and compliance ensures high loan quality and reduced risk. Focused on enhancing processing efficiency through effective operational controls. Proven ability to evaluate borrower risk, strengthen data integrity, optimize lending workflows, and ensure accurate, audit-ready documentation. Recognized for enhancing compliance readiness, mitigating operational risk, and delivering measurable improvements in loan processing, documentation accuracy, portfolio quality, and overall lending performance.
*******@*****.***
Bloomington, IL 61701
CHARLES A. SMITH III
Senior Lending Operations & Compliance Specialist SBA 7(a)/504 CRE Loan Management Risk & Documentation Governance
SR LOAN PROCESSOR III
APRIL 2011 – FEBRUARY 2019
Union Bank, San Diego, CA
• Analyze and validate borrower income, assets, liabilities, and credit documentation for Conventional, Fannie Mae, and Freddie Mac DU/AUS-eligible loans, ensuring accuracy and alignment with LTV/CLTV requirements.
• Coordinate and manage all third-party services, including title, appraisal, escrow, and credit reports, to maintain file completeness and support timely underwriting review.
• Maintain and prioritize a dynamic pipeline of 20+ loans, proactively managing milestones to meet lock expiration deadlines, borrower expectations, and internal SLAs.
• Clear all underwriting and funding conditions by reviewing documentation, resolving discrepancies, and ensuring full compliance with investors, agency, and internal credit policy.
• Collaborate with underwriters and loan officers to interpret financial and credit data, strengthening decision-making and reducing cycle-time delays.
• Resolve post-closing exceptions through root-cause analysis, stakeholder coordination, and corrective action, contributing to audit-ready files and reduced post-closing findings.
Achievements
• Coordinated 50+ concurrent loan closing projects across Conventional, FHA, VA, and SBA programs, ensuring on-time delivery and full compliance with federal, investor, and internal regulatory requirements.
• Improved processing and documentation efficiency by 15% through workflow optimization, reducing additional underwriting conditions and minimizing post-closing or audit findings.
• Served as a liaison between technical and business teams, translating requirements and accelerating issue resolution to maintain closing timelines and data integrity.
• Managed high-volume, high-compliance pipelines with competing priorities, consistently meeting deadlines and maintaining audit-ready documentation standards.
• Partnered with development teams to enhance operational visibility by recommending Excel and Salesforce tracking tools that monitored milestones, flagged risk areas, and strengthened project governance. Awards & Recognition
Top SBA Closer Award — U.S. Bank (Q4 2023)
STRIVE for FIVE Award: (Demonstrated Safety, Teamwork, Responsiveness, Integrity, Value, and Excellence) — MUFG Union Bank (Q2 2014) 22-Day Application-to-Close Record — MUFG Union Bank (Q3 2018) Top Loan Processor — MUFG Union Bank (Q1 and Q2 2015)
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