Tierannye Sparks

Contribute to the build and development team to support loan origination and lifecycle management which includes large complex syndicated and bilateral loans covering but not limited to corporate, commercial, real estate, structured lending and trade.

Assist with the creation of processes, standards, procedures, controls, training, and implementation of transaction management.

Aid in the design and implementation of technology including testing and rollout.

Provide training and support to transaction management staff and business constituents.

Partner with each of the originating and coverage business lines, credit risk, operations, legal, etc.

Ensure that quality of data, controls and processes performed meet internal policies and regulatory requirements/expectations.

Work with lines of business, transaction management, and loan operations to define and implement operational metrics and risk and control reviews to ensure all stakeholders have end to end transparency.

Constantly improve processes, controls and efficiencies within the group and front to back across loan lifecycle

Participate in projects to enhance performance and efficiency.

Take part in loan remediation and loan system testing / migrations.

Actively manage and maintain a deal closing pipeline of loan transactions.

Coordinate and close loan transactions/lifecycle events, capture data, store documentation, troubleshoot issues/roadblocks, perform quality control

Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

• Worked effectively in fast-paced environments.
• Skilled at working independently and collaboratively in a team environment.
• Proven ability to learn quickly and adapt to new situations.
• Streamlined communication channels between departments, facilitating better collaboration on projects across the organization.
• Managed projects efficiently, ensuring timely delivery and high-quality results.

• Provide loan administration services for moderate to complex permanent small business loans
• Documentation Preparation-prepare SBA 504; SBA 7a and SBA Express loan documentation to reflect approved loan terms as per approval via Etran, etc. and consistency with Bank Policy and Procedures for new loans and modifications as well as compliance with governing regulatory authorities
• Ensure loan documentation complies with Banks operational requirements and can be serviced on Banks system of record
• Deliver executable loan documents in accordance with account officer and borrower requirements
• Communicate and coordinate with all external parties with regards to required information (legal, title and escrow)
• Review executed loan documents to determine they have been properly signed, initialed and/or notarized
• Prepare closing instructions and transmission of loan documents for recording to title/escrow
• Determine that all pre-closing requirements and audit exceptions are satisfied or appropriate waivers are obtained
• Utilize strong knowledge of Commercial Real Estate and/or commercial documentation
• Set up, stored and updated customer files, department records and regulatory paperwork.
• Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
• Reviewed and validated details of loan applications and closing documentation.
• Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
• Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.

• Funding of Commercial Loans, Mortgages and Boarding of new loans
• Wiring funds to external banks as well as attorneys and issuing checks to Title Companies
• Daily reconciliation of wired funds and account receivables
• Monitor, manage, maintain and correct cash application processes
• Verify essential ARM/Special Product loan specifications and make the necessary changes on the servicing system
• Amortize loans and identify discrepancies within the servicing system
• Complete financial calculations and apply results to systems and reports
• Reduced errors in loan documentation through meticulous attention to detail and thorough review processes.
• Maintained accurate records of all transactions, keeping detailed logs for audit purposes and regulatory reporting requirements.
• Kept abreast of industry trends and regulatory changes to ensure continued compliance with evolving guidelines within the lending landscape.
• Provided training and mentoring to new team members, helping them quickly acclimate to their roles and contribute effectively within the loan operations department.
• Collaborated cross-functionally with underwriting, credit risk management, and sales teams to expedite the loan process.
• Served as a resource for colleagues by providing guidance on complex loan scenarios or unique borrower situations that required specialized knowledge or expertise.

• Manage stressful situations while being calm and respectful
• Multitasking with various interruptions supporting two regions locally and on east coast
• Exercise verbal and written communication; problem solving and training skills with internal staff
• Collect and analyze data and create reports for all levels within HR Recruiting/Talent Acquisition
• Effectively meet deadlines for weekly reports purposed for Directors and Managers
• Maintain calendar for various interviews scheduled for candidates and potential new hires
• Established a proactive approach in identifying top talent through strategic partnerships with colleges/universities and attending industry-specific conference events.
• Leveraged employee referrals, direct sourcing, Internet applications, and recruitment agencies to source candidates for positions.
• Achieved high levels of candidate satisfaction by providing a transparent and supportive recruitment process from start to finish.
• Analyzed recruiting metrics to share reports and recommendations with stakeholders.
• Conducted compensation conversations with human resources and hiring managers to foster internal and external equity.
• Conducted comprehensive interviews to assess candidate fit based on skills, cultural alignment and long-term potential within the organization.
• Reduced time-to-fill metrics by optimizing the interview scheduling process and maintaining strong relationships with candidates throughout their journey.
• Implemented continuous improvement initiatives in the talent acquisition process based on feedback from candidates, hiring managers, and other stakeholders.
• Sourced and screened candidates for Driving roles and worked with hiring managers to coordinate interviews, offers, and onboarding.
• Acted as brand ambassador to educate candidates on culture, career growth, benefits, and advantages of working for company.
• Created and distributed job postings on job boards, corporate career sites and social media networks to increase reach.
• Developed and maintained strong working relationships with executives, HR team, and hiring managers to foster partnerships that produced consistent results.
• Provided regular updates to hiring managers and HR staff on recruitment activities and progress.
• Collaborated with hiring managers to determine job requirements and understand departmental needs.
• Conducted telephone and in-person interviews to assess candidate experience and qualifications.
• Developed and maintained applicant tracking system, tracking all job openings, applicants and interviewing activity.
• Evaluated resumes, interviewed, and presented qualified candidates to hiring managers and solicited feedback to refine recruiting strategy.
• Improved organizational filing systems for confidential employee records, resulting in improved accessibility and efficiency.
• Assisted with writing job postings and job descriptions for boards.
• Pre-screened resumes prior to sending to corporate hiring managers for consideration.
• Advocated for staff members, helping to identify and resolve conflicts.
• Partnered with departmental managers to ascertain hiring needs and subsequently provide candidate recommendations.
• Improved office efficiency by effectively managing internal communications and correspondence.

• Manage portfolios for Relationship Managers and their clients within their assigned regions.
• Maintain client documentation required for preparation of new and renewal warehouse lending agreements and any additional processes required for accessing loan funds for mortgage loans
• Maintain client entity documentation regarding updates, changes, etc.
• Submit for credit approval to establish warehouse relationship between bank and Mortgage Lender
• Prepare warehouse lending agreements and any ancillary docs applicable during process as deemed necessary
• Order UCC filings and follow-up accordingly to avoid terminations/expirations
• Review and monitor insurance for potential and approved warehouse clients to insure they meet bank requirements

• Monitor, manage, maintain and correct cash application processes
• Verify essential ARM/Special Product loan specifications and make the necessary changes on the servicing system
• Complete financial calculations and apply results to systems and reports
• Coordinate special products including HELOC, ARM, Pay Option ARM, Balloon, Modifications, Daily Simple Interest, and Step Rate Plans
• Performed HELOC analysis post boarding and in depth research accordingly
• Analyze data for trending and root cause, engage business units as needed to resolve any issues found
• Share findings with management and attend meetings to rectify any problems identified

• Provide complete analysis of the loan application
• Assist in preparation of loan package utilizing Loan Path and written Officer remarks
• Prepare Approval/Decision letters and necessary attachments
• Attend customer calls and document calls and participate in loan approval discussions
• Assist credit administration and commercial lending departments with the documentation of loan requests
• Provide services such as investigation of the borrowing entity; analysis of the proposed structure and the various repayment sources affecting the request
• Clearing loan conditions; review and authorize booking worksheets for boarding
• Support all Small Business Banking, Credit Center activities from time of loan approval and through the loan boarding process
• Perform daily production tasks according to team queue and update spreadsheet accordingly for daily report of loan activity and productivity
• Review approved loan files and coordinate on timely clearance of all conditions with Sales, Client, and/or Credit Officer
• Review accuracy and approve all executed loan documentation and booking worksheets pre-boarding to ensure all pre-boarding conditions have been satisfied, loan documentation is enforceable and booking worksheet data is accurate