Loan Administration-Team Lead

SARA GABRIELA GUTIERREZ

**** ******** **. *******, ***** 77082 281-***-****

*************@*****.***

OBJECTIVE

To utilize and continue the use of my skills, experience and knowledge that I have obtained in the last 16 years of supervising, customer service, banking, loan administration, SBA lending, and consumer banking.

EXPERIENCE

07/08-Present Franklin Bank/FDIC as receiver for Franklin Bank SSB Houston, TX

Team/Lead-HB/Commercial Real Estate Loan Administration/Contractor for MMC Resolution Asst.

• Lead and coach 4 Junior and Senior Loan Administrators

• Audit and approve the due diligence prior to closing of loans

• Audit all new loans closed by loan administrators

• Implement and enforce policies and procedures for Loan Administration

• Approve account payables

• Approve all time sheets, vacations

• Communicate disciplinary actions, reviews, increases

• Monitor and update Case log for receivership

• Monitor the work flow as it pertains to extensions and releases on the case log

• Create modifications, compromises, release of liens packages for Accounts Receivable

• Special projects as directed

07/04-01/08 First Horizon Home Loans Houston, TX

Mobile Task Force-HBF/CRE Loan Administrator III, Disbursement Analyst OTC, Funder OTC

• Travel to various corporate offices to perform manager/loan administrator duties, 95% of time

• Train new employees to function independently in various loan operation positions

• Audit all collateral, construction and financial files for Commercial Real Estate & Home Builder Finance

• Pull and Balance all reports at month end

• Prepare and balance Journal Vouchers and General ledgers

• Close and fund complex construction loans, financing income producing properties and ensure it complies with approval and regulations

• Review attorney prepared loan documentation, budgets, appraisals prior to closing and on an ongoing basis

• Order/review inspections, title policies, appraisals, flood certifications for all residential and commercial transactions

• Review & clear documentation and financial exceptions

03/04-07/04 Southwest Bank of Texas Houston, TX

Commercial Loan Processor/Commercial Real Estate

• Process construction draws

• Educate builders as it relates to disbursement procedures

• Audit construction files and all budgets

• Review construction liens, waivers, certificates of occupancy and order and review inspections

03/03-02/04 Washington Mutual Houston, TX

Assistant Financial Center Manager

• Supervise 8-9 employees

• Floor Management

• Provided resolution for customer complaints

• Audit cash drawers, review proof work and complete operational reports

• Coach Tellers and New Account Associates

• Provide guidance to staff in processing complex transactions

• Meet loan sales goals of greater than $500,000.00

04/01-08/02 Comerica Bank Houston, TX

Loan Administrator II/SBA Lending

• Funding/Advances a Portfolio of 50+ SBA Loans

• Monitor and Audit SBA construction funding

• Review construction liens, waivers & certificate of occupancy

07/98-03/01 Bank United Houston, TX

Senior Commercial Loan Servicer/ Lending Assistant to the Small Business Loan Center

• Funding/Advances, a portfolio of over 90 SBA loans

• Reallocate SBA funds, by SBA regulations

• Review construction liens & certificates of occupancy

• Audit all construction loan files

• Review & Clear financial and construction exceptions/Prepare and analyze Pipeline reports

• Review and research department budget

• Prepare Expense reports

• File UCC’s

09/93-07/98-Various positions within the Banking Industry: New Accounts, Personal Banker for an International Department

EDUCATION

Houston Community college, pursuing a Bachelor in Finance with a minor in Spanish

SKILLS

Bilingual-Spanish Fluent-speak, read, write

Proficient in Microsoft Word, Excel, Outlook, The Construction Lender(TCL), Crystal report writer/Seagate, LaserPro, FiServ, Citrix

3411 ASHFIELD DR. HOUSTON, TEXAS 77082 281-***-****

*************@*****.***

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