Annette Fletcher
Johnstown,OH
Summary
Forward-thinking Manager with comprehensive experience implementing new processes and managing and planning innovations. Bringing outstanding problem-solving and abilities paired with in-depth knowledge of policies and procedures. Polished in evaluating employee performance and overseeing key projects.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Business Banking Business Risk Manager, VP
Huntington National Bank
Columbus, OH
03.2024 - Current
- Responsible for leading the development and management of complex business risk programs supporting segment processes in addition to risk and compliance strategies ensuring implementation and maintenance of proper controls while ensuring collaboration with Segment Risk, Compliance, and Corporate Risk expectations.
- Collaborate regularly with Business Banking Segment Risk on pertinent risk issues and projects.
- Act as a liaison with Segment Risk and Compliance and serves as a central point for receipt and distribution of important information. Maintain two-way communication with applicable partners to ensure an effective flow of information regarding Business Banking matters.
- Responsible for coordinating with business unit leadership and pertinent business partners on changes to business banking programs resulting from changes in the risk environment, segment processes or new product implementation.
- Provide coaching and technical support to Business Banking colleagues responsible for day-to-day execution of the business risk programs.
- Spearhead critical and essential, highly visible projects that impact the business segment related to risk / compliance strategies, regulatory changes or business unit needs.
- Develop, maintain and generate scheduled and ad hoc reporting and other technology solutions. Accountability for Complete, Accurate and Timely Action Plan closure. Accountability for identifying and escalating risk to key constituents (i.e. Leadership, Segment Risk, Compliance, Audit, Legal, Fraud, etc.)
- Coordinations and manages Internal and External Exams/Audit for the business unit.
SBA Loan Product Manager, VP
Huntington National Bank
Columbus, OH
07.2022 - 03.2024
- Manages the SBA Loan Sale including identifying loans for sale; bidding and communicating externally with loan buyers and SBA fiscal transfer agent; creating loan packages for internal and external approval; settling loans and ensuring booked correctly; communicating with Finance partner.
- Responsible for over $70MM in segment fee income. Interacts with Sr. Segment leadership, finance, and ELT. Executes sale agreements and signs as bank representative on settlements. Represents Huntington outside of the bank to the US Small Business Administration and Secondary Market Broker Community. Ensures SBA loan sales meet all ERMS compliance
- Responsible for subject matter expertise in USDA and state enhancements programs for the entire bank. Responsible for emergency response and special lending programs including Reg B exemptions, Lift Local, and promos. Works with marketing, finance, legal, risk, and compliance to design and maintain our program responses. Tailors programs with Regional Presidents. Works with Middle Market, Private Client, and Commercial/vertical partners to place guarantees intersegment.
- Continued owner of the PPP Forgiveness program including direct liaison with external vendor, prepare reporting up through ELT, liaison with SBA and Commercial Bank. Management, reconciling SBA GLs with Accounting, balancing AFS Mismatch and Paid in Full Reports and SBA CARES Act Payments, USDA/FSA Reporting.
- Special Projects, Assistance with SBA Audit (either onsite or quarterly remote), State Funding Request.
Segment Risk Manager, Vice President
Huntington National Bank
Columbus, OH
01.2012 - 07.2022
- Identified key performance indicators related to risk management objectives.
- Collaborated with stakeholders across departments to identify areas of risk exposure.
- Documented findings from audits and investigations into the organization's risk profile accurately and comprehensively.
- Conducted risk analyses to manage organizational risk profile, form reliable control systems and monitor legal issues.
- Provided guidance and advice on how to handle high-risk situations appropriately.
- Performed periodic reviews of existing systems, processes, and procedures in order to minimize potential risks.
- Identified, assessed, and reported on risk management issues.
- Coordinated with business units to develop metrics (KRI & KPI) to manage and monitor thresholds.
- Completed periodic analysis and providing information to complete the Risk Control Self-Assessment (RCSA) for both Business Unit and Segment Level.
- Coordinated closely with key partners including Audit (internal and external), Compliance, Legal, Technology, Senior and Executive Leadership, and additional key business partners.
- Supported business units that included Consumer Loan Servicing, Commercial Loan Servicing, Business Banking Loan Center, Equipment Finance Operations, Residential Real Estate Technical Services, Commercial Real Estate Technical Services, Corporate Sourcing, and Third-Party Risk Management.
Commercial Loan Closing Specialist
Huntington National Bank
Columbus, OH
01.2010 - 12.2012
- Reviewed title commitments for liens or encumbrances that could affect the sale of property.
- Organized files for each closed loan into an electronic database.
- Coordinated closings with buyers, sellers, title companies, attorneys, lenders, and other parties involved in the transaction.
- Conducted audit of loan documentation for verification of loan funding.
- Communicated with customers, lending personnel and title companies to coordinate closing activities.
- Managed validation of documentation to regulate underwriting and closing requirements.
- Reviewed attorney prepared documents and construction loan documents.
- Compiled documentation to check for completeness, accuracy and legibility of data entry for new credit facilities and existing loan modifications.
- Ensured timely processing of loans by monitoring progress throughout the entire process.
- Participated in weekly meetings with management team to discuss current projects and goals.
- Maintained loan closing pipeline and coordinated funding with county partners.
- Resolved discrepancies between lender requirements and borrower documentation prior to closing date.
- Developed recordkeeping and document tracking system using AFS system.
Education
Bachelor of Science - Business Management
Franklin University
Columbus, OH05-2013
Certification
Certificate in Operational Risk Management
The American Bankers Association (ABA)
Accomplishments
- Excellence and Presidential Member of National Society of Leadership and Success
- HNB Accelerate Talent Development Program
Affiliations
- 3rdDegree Black Belt in Tang Soo Do Martial Arts
Timeline
Business Banking Business Risk Manager, VP
Huntington National Bank
03.2024 - Current
SBA Loan Product Manager, VP
Huntington National Bank
07.2022 - 03.2024
Segment Risk Manager, Vice President
Huntington National Bank
01.2012 - 07.2022
Commercial Loan Closing Specialist
Huntington National Bank
01.2010 - 12.2012
Bachelor of Science - Business Management
Franklin University
Certificate in Operational Risk Management
The American Bankers Association (ABA)