Adrian Polley

• Responsible for importing and reviewing exceptions cited on loans in MPF program: GNMA, FNMA, Government, and Traditional Product
• Communicated daily with PFI’s (Participating Financial Institutions) regarding loan exceptions, invoices, liquidated loan releases, loan initial and final certification requirements, current and new policies and procedures
• Responsible for conducting various audits such as Annual Procedure Review, Custodian Site Audits, Officer Certifications, Quarterly Custodian Audits, Annual Data Reconciliation and conducting follow up reviews as necessary
• Assisted in monthly communication regarding liquidated GNMA, FNMA and Traditional Loan Releases
• Responsible for working with PFI’s on Aged Traditional Government Loan Exceptions and Final Certification
• Responsible for generating daily reports on certified loans, uncertified loans, initial and final exceptions, HLB management reports
• Conducted monthly meetings with multiple HLB’s regarding outstanding PFI issues including but not limited to: unresolved exceptions, liquidated loans not released, past-due funded loans without certification, and communicating best-practices for MPF participants and suggested training opportunities
• Conducted monthly eNote MERS reconciliations for all participating Home Loan Banks
• Notable Accomplishments:

Completed Release of Aged Liquidated Loans for HLB’s: over 100,000 Loans

Reduced Aged Traditional Loans past certification due date of 100+ days to less than 20 days

Reduced Data Discrepancies outstanding from over 900 discrepancies to less than 20 in 60 days

Helped to implement new eNote procedures and conducted testing for all PFI’s approved to deliver eNotes

• Capitalize industry expertise in conducting loan reviews of commercial loan files, as well as assisting with the Commercial Loan Portfolio Review and ensuring compliance with bank policies and procedures
• Manage and publish loan variance reports in coordination with Lending Department to meet regulatory requirements
• Responsible for conducting various audits such as Quarterly Branch Audits, Information Security Audits, Customer Privacy Audit, and conducting follow up reviews as necessary
• Assist the Internal Audit Manager and Risk Supervisor in the Annual Internal Audit Risk Assessment Review
• Participate in regulatory compliance training sessions
• Keep up-to-date knowledge of current bank policies

• Conducted in-depth quality control analysis in alignment with specified time frame set by the management and banking regulations
• Applied analytical skills in assessing signed loan documents and all supporting documentations to ensure compliance with banking regulations and underwriting approvals
• Worked closely with lender, agent, credit, and other internal departments in resolving issues identified during auditing process
• Authorized reviewed loan prior storage to internal loan system with active, in-compliance loan status
• Ensured adherence to commercial guidelines and procedures, loan policy, and federal rules and regulations by thoroughly evaluating the following entity organizational documents and collateral information: Uniform commercial codes (UCCs); Vehicle title documentation; Life insurance policy documentation; Title searches and title commitments; Appraisals; Environmental due diligence
• Collaborated with in-house legal counsel regarding any compliance issues on new or renewal loans
• Guaranteed the completion of all due diligence by underwriting relationship manager, pre-closing agent, and loan documentation agent through review of supporting information, while coordinating discovered non-compliance issues, cite exceptions, and follow up on corrective actions
• Drove efforts in the development and implementation of best practices, processes, and procedure improvements in incoming documents
• Acquired knowledge of new imaging systems and attorney-prepared documentation for both loan processes while working as a paper auditor
• Examined electronic and loan documents matching all documentation using special loan software
• Proficiently operated various commercial and bank systems in collecting pertinent information to resolve problems and insights in maintaining incoming loan workload increase throughout acquisition to remain organized, on-task, and within department priorities

• Wrote and studied loan documentation, while performing all account maintenance
• Employ keen attention to details in reviewing commercial approval presentations ensuring approvals alignment with loan policies, Bank Secrecy Act/Anti-Money Laundering (BSA/AML) policies, and other regulations for new and renewal loan requests
• Built partnership with outside closing counsel in evaluating loan documentation drafts for accuracy and conformance
• Took charge of recording loans in the system, preparing loan documentation, and submitting for document review
• Interacted with workout specialists and attorneys to ensure closing of loans per approval process and to validate supporting documentation in compliance with loan approval policies
• Managed multiple concurrent transactions while maintaining attention to detail, ensuring all timelines were met without sacrificing accuracy or customer satisfaction levels.

• Offered administrative support to relationship manager in managing transaction requests, responding to customer inquiries, and conducting account maintenance
• Held responsibility in producing and processing loan documents and loan closing in coordination with loan center, as well as in performing other ad hoc tasks
• Created well-detailed training manual for all loan assistants that served as key resource for various customer service issues occurred on specific occasion, while assisting with the allocation of existing resources to drive better experience for customers and lessen fall out that might result in time-consuming conflict resolution
• Applied quality service to clients in the lending line of business to achieve and determine outcomes in their business and personal banking portfolios using know your customer (KYC) method
• Maintained all records updated and organized to address questions during high-volume workflow

• Trained new tellers in processes and procedures for financial institution, answering questions and providing guidance.
• Managed high volumes of cash movement accurately, supporting the ongoing operation of the branch effectively.
• Greeted and welcomed customers with courteous and professional approach to drive prompt, accurate and efficient transactions.
• Reduced discrepancies in vault inventory with thorough reconciliations and prompt identification of errors.
• Balanced staff and vault at end of day and secured monies in accordance with established procedures.