ANNISHA BADEJO
Bear,DE
Summary
Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Comfortable working alone or with team members to accomplish tasks and enhance processes. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
22
22
years of professional experience
Work History
Sr Loan Servicing Associate
JPMorgan Chase Bank
Newark, DE
07.2022 - Current
- Account manager serves as first point of contact for the large portfolios and deals
- Process new borrowing, rollovers, payoff, and perform requests, Initiate loan activity (fundings, repricing, payments) as instructed by the client in accordance with credit agreements
- Manages Syndicated Loan Transaction Coordination, within Wholesale Lending Services
- Delivers professional, high quality personalized service over the telephone and via email to clients and lenders on loan inquiries
- Servicing Clients and Lenders, answering inquiries by accessing credit agreements, incumbency documents and other legal documents
- Working closely with deal closing team, Relationship manager, portfolio manager and credit manager
- Addresses questions and inquiries regarding deal transactions and activities on loans, escalates and/or redirect problems as needed
- Receives and prepares notices for daily BAU (Business as usual) activities
- Utilize Loan IQ system and other internal monitoring systems to monitor transactions and to perform maintenance of loan records as changes occur
Loan Doc & Process Analyst
Citibank
New Castle, DE
06.2021 - 07.2022
- Serves as account manager and first point of contact for Syndicated Loan Transaction
- Processing bank notices sent by agent bank to conduct direct loan instructions
- Utilize Flex cube and other internal monitoring systems to monitor transactions
- Initiate and reconcile automated funds movement in accordance with client/lender instructions
- Initiate loan activity (fundings, repricing, payments) as instructed by the client in accordance with credit agreements
- Calculation and tracking of complex interest and fee accruals at various rate levels across changing lender distributions
- Reconcile daily funding and payment activity to account for all daily cash transactions
- Monitor and escalate past due principal, interest, and fees to ensure that the loan accounting system is accurate and provides clients with timely and accurate invoices
- Providing day-to-day loan portfolio servicing which may include booking cash transactions and making payments, inputting general ledger entries and (complex) calculations
- Applies professional judgment, analytical thinking and knowledge of data analysis tools and methodologies to make recommendations to senior management to support process improvement
- Day-to-day focus is on resolution of complex loan issues, where expertise is required to interpret against policies, guidelines, or processes
- Minimizes risk to the bank through a solid understanding of procedural requirements - provides solutions to reduce errors, and to adhere to audit and control policies
Sr Commercial Loan Analyst
WSFS Bank
Wilmington, DE
02.2020 - 06.2021
- Conduct search requests for loan applications, including new requests, changed requests, refinancing and annual due diligence
- Coordinate internal KYC review and Flood due diligence
- Assist with ad-hoc inquiries from Borrowers, Lenders, and Arrangers pertaining to the closing, process, and ongoing maintenance of the deal
- Loan documentation, implementing data and preparing financial reports, review loan documents
- Works side by side with the Portfolio Managers, Relationship Managers and Credit Analysts
- Completing all due diligence, prepare and ensure all loans to be submitted to quality control for processing
- Enters the application in appropriate systems, orders credit bureau reports, OFAC searches, flood searches, property searches and reviewing appraisals
- Prepares loan approvals in accordance with risk, compliance, and regulatory processes and procedures to minimize loss to the organization and makes recommendations through appropriate channels for the final decision.
Research Adjuster
Bank of America
Newark, DE
06.2012 - 06.2016
- Investigate daily incoming research and adjustment inquiries to resolve differences in Estates
- Communicating and collaborating with attorney’s and paralegals negotiating case resolution
- Contacted representative of deceased clients by phone to arrange payment of delinquent accounts
- Maintain accurate customer records, investigate sources to locate customers’ current information
- Investigated and decision daily incoming claims cases using multiple systems and tools
- Negotiating Collecting, Settling past due accounts
- Maintained internal operational, financial controls and ensures that they are observed in all assigned cases
- Communicated with court officials, attorneys and personal representatives managing estates’ probate cases for deceased clients
- Reviewed legal documents, Inventory and assess available Collection Litigation, support data intake processes
- Developed strategies for data mining for use in analytics standards for data collection, analysis, and reporting.
KYC/AML Compliance Analyst
HSBC
New Castle, DE
02.2002 - 03.2011
- Conducted detailed KYC/AML Due Diligence Reviews utilizing tools and online search techniques
- Perform review and clearance of potential negative news alerts on new clients and during periodic client reviews and escalate true matches accordingly
- Review and verify that a Know Your Client (KYC) is completed for new accounts, and Anticipated Activity questions for Business and Individual clients with new transactional accounts
- Utilize KYC, Lexis Nexis, Mantas, and other internal monitoring systems to monitor transactions for suspicious correspondent and retail banking activity with adherence to the Bank Secrecy Act (BSA) and USA Patriot Act
- Review system generated alerts to assess presence of illicit activity that may require reporting based on BSA/AML requirements
- Collect and review financial statements and utilize internal systems to review check images and customer accounts to identify unusual transaction patterns
- Draft suspicious Activity Reports (SAR) and validate quality via FinCEN Software for various business units
- Maintain awareness of current money laundering and terrorist financing trends.
Education
Master’s in Human Resource Management
Bachelor’s in Organizational Management
Certificate Program- RECIPE OF SUCCESS
Certificate Program - EntrepreneurshipSBM
Certificate Program – Training and Staff Development
Skills
- Calculations Review
- Loan Modification
- Loan Disbursement
- File Management
- Personal Data Collection
- Customer Account Review
- Data Collection
- Regulatory Compliance
- Decision-Making
- Loan and Transactions Advisory
- Problem-Solving
- Financial Arrangement Negotiations
- Application Review
- Bank Secrecy Act BSA
- Customer Service
- Financial Data Collection
- Regulatory Compliance Documentation
- Closing Documentation
- Legal Documentation
- Microsoft Office
Timeline
Sr Loan Servicing Associate
JPMorgan Chase Bank
07.2022 - Current
Loan Doc & Process Analyst
Citibank
06.2021 - 07.2022
Sr Commercial Loan Analyst
WSFS Bank
02.2020 - 06.2021
Research Adjuster
Bank of America
06.2012 - 06.2016
KYC/AML Compliance Analyst
HSBC
02.2002 - 03.2011