Commercial Loan Portfolio Manager
AMY M. TURNER
Tri Counties Bank
Merced,CA
1
Language
1
Certification
21
years of professional experience
Accomplished Portfolio Manager specializing in commercial loan portfolio management, with expertise in client relationship enhancement and credit health oversight. Background in commercial and consumer lending, loan structuring, documentation, and regulatory compliance. Knowledgeable in TRID, HMDA, and mortgage servicing, consistently delivering timely results while maintaining integrity and promoting sustainable financial practices.
Work History
Portfolio Manager, AVP
1 Year 10 Months- Grew and retained assigned portfolio clients while collaborating with Relationship Managers to deepen relationships through cross-selling bank products and services and developing comprehensive relationship service plans.
- Preparing comprehensive analysis and Annual Credit Reviews to determine the health of credit, identify strain, and determine and recommend appropriate risk grades of the commercial loan portfolio.
- Preparing comprehensive analysis and Annual Credit Reviews to determine the health of credit, identify strain, and determine and recommend appropriate risk grades of the commercial loan portfolio.
- Reviewed and collected annual financial statements, tax returns, and financial information specific to each relationship and loan type.
- Collaborated with cross-functional teams to enhance risk management strategies.
Small Business Specialist, AVP
3 Years 1 Month- Identified and managed effective prospect list, performing activities to drive growth in loan, deposit, and fee income.
- Managing a portfolio of clients and cross selling additional products and services through partnering with Treasury Management, Private Banking, Wealth Management, and RPS partners
- Managed portfolio of clients, cross-selling products and services through collaboration with Treasury Management, Private Banking, Wealth Management, and RPS partners.
- Identifying appropriate prospects; create and manage effective prospect list and perform activities to ensure growth in loan, deposit, and fee income
- Grew deposits, loans, and fee income profitably.
Regional Loan Origination Team Lead
1 Year 7 Months- Assisted Regional Loan Origination Supervisor in leading Loan Origination Team for West Region
- Ensuring high quality control output of loan documentation and adherence to regulatory/compliance and policy for all lending product lines
- Maintained customer service standards and upheld service loan agreements and expectations
- Trained new and existing employees on processes and compliance requirements
- Supported other departments within Loan Operations as needed
- Collaborated with and supported other departments across HTLF Member Banks
- Led cross-functional teams to enhance operational efficiency and drive project completion.
- Mentored junior team members, fostering professional growth and enhancing overall team capabilities.
- Trained new team members by relaying information on company procedures and safety requirements.
- Collaborated with other department leads to streamline workflows, improve interdepartmental coordination, and achieve business goals collectively.
- Worked different stations to provide optimal coverage and meet production goals.
Quality Control Analyst II
7 Months- Conducted pre-documentation review of commercial, SBLC, and agricultural loans and loan agreements to ensure compliance and accuracy
- Pre-documentation review of Commercial and SBLC Letters of Credit
- Reviewed loan documentation for commercial, SBLC, and agricultural loans and loan agreements, verifying completeness and adherence to regulatory standards
- Loan Documentation review of Commercial and SBLC Letters of Credit
Loan Documentation Specialist III
5 Months- Documented commercial, SBLC, and agricultural loans and loan agreements, ensuring compliance with regulatory standards
- Prepared documentation for commercial and SBLC letters of credit to facilitate smooth transaction processing
- Facilitated initial documentation for change in terms agreements
Financial Service Specialist, NMLS 1237903
9 Years 5 Months- Prepared Loan Estimates, Closing Disclosures, and other TRID-compliant documentation for all bank loans.
- Conducted internal audit of HMDA loans and completed LAR for entire bank, ensuring compliance with regulations.
- Collaborated with the compliance department to eliminate procedural errors and margin breaks.
- Manage all aspects of Escrow Operations and Compliance.
- Coordinate and Process all Commercial and Consumer loan documents and files for specifically assigned bank branches.
- Developed and implemented a Centralized Loan Document Processing system, streamlining processing for all in-house mortgage loans.
- Handled lender-placed insurance documentation to ensure compliance..
- Prepare, mail, and track Right to Cure notices for entire bank.
- Opening all account types for consumers and commercial customers.
- Answered inquiries on banking products including checking, savings, loans and lines of credit.
- Executed customer transactions, including deposits, withdrawals, money orders and checks with accuracy, speed, and efficiency.
- Assist in training new employees and ongoing training programs for existing employees.
- Balancing and reconciling various internal accounts.
- Handled proof and e-deposits to maintain account integrity..
- Executed wire transfers, stop payments and account transfers.
- Mentored junior staff, fostering professional development and team cohesion.
- Improved customer satisfaction by addressing and resolving service-related issues promptly and professionally.
- Collaborated with team members to develop training materials for new hires.
- Educated clients on banking products, enhancing customer engagement and satisfaction.
- Provided exceptional customer service, resolving inquiries and issues efficiently.
Secretary
3 Years 10 Months- Coordinated and managed all events to ensure smooth execution and positive participant experience.
- Carefully wrote down all phone messages and relayed them to the appropriate personnel.
- Recorded and communicated all phone messages to appropriate personnel to maintain effective communication.
- Wrote and edited professional correspondence, memoranda and emails.
- Organized and oversaw all events.
- Compiled detailed expense reports for business trips and events using Microsoft Excel to provide clear financial tracking.
Education
Bachelor of Arts - Elementary Education
Skills
Regulatory compliance expertise
Loan documentation
Retail banking professional
Comprehensive due diligence
Quality control management
Financial statement proficiency
Executive-level communication
Strong organizational abilities
Analytical approach to challenges
Multilingual communication
Client relationship management
Financial analysis
Loan analysis
Risk rating
Pricing & positioning
Accomplishments
- Collaborated with team of 5 in the development of Centralized Consumer Loan Processing.
- Worked with Compliance Officer to develop and implement training procedures for new hires and existing employees.
Certification
- BSA & AML Compliance Certificate, American Banker's Association
- Financial Risk Management Certificate, American Banker's Association
- Fraud Prevention Certificate, American Banker's Association
- Notary Public Commission, CA Secretary of State - Commission Expires 12/5/2028
- Adult & Pediatric First Aid/CPR/AED, American Red Cross - Expires 12/15/2027
Languages
German
Limited Working
Timeline
Portfolio Manager, AVP
Tri Counties Bank
10.2024 - CurrentRead More
Small Business Specialist, AVP
Premier Valley Bank, a division of HTLF Bank
09.2021 - 10.2024Read More
Regional Loan Origination Team Lead
HTLF
02.2020 - 09.2021Read More
Quality Control Analyst II
Heartland Financial
07.2019 - 02.2020Read More
Loan Documentation Specialist III
Heartland Financial
02.2019 - 07.2019Read More
Financial Service Specialist, NMLS 1237903
Heritage Community Bank
09.2009 - 02.2019Read More
Secretary
Landmark Baptist Church
05.2005 - 03.2009Read More
Heartland Baptist Bible College
Bachelor of Arts from Elementary Education
Read More