Areli Ceballos

Responsible for overseeing the Loan Operations Department, which includes the credit office, credit analysts, and central loan processing. Responsible for ensuring accurate and timely processing/servicing and related customer support activities for the Bank’s loan portfolio, which includes developing and implementing best practices in loan processing/servicing related policies, procedures, and business processes; complying with all related State and Federal lending laws and regulations. Responsible for ensuring financial spreads and credit proposals are accurate and provided to lending officers in a timely manner.

Supervise credit office clerks

Supervise credit analysts

Supervise loan processors

Review loan documentation following bank underwriting and compliance policies

Review financial spreads and credit proposals for accuracy

Review imaged loan files

Oversee escrow administration for mortgage loans.

Review monthly escrow statements

Issue refund checks

Preparing statements for mailing

Report preparation and queries as requested by loan management

Prepare and track loan reviews

Year-end accounting and reporting of loans

Balance and pay monthly PMI premiums, do maintenance work on PMI accounts throughout the month

Force place lapsed hazard and flood insurance. Pay monthly statement and do all maintenance work on customers’ accounts

Resolve Credit Bureau disputes

Keep several GL accounts in balance

Prepare paperwork and computer entries on charge offs, non-accruals and OREO property

Prepare Loan Committee minutes

Work with examiners and auditors as needed

Troubleshoot and problem solve

Assist with all loan origination software as needed

Maintain company credit exposures within set risk bearing limits

Complete loan proposal forms and submit to loan committees for approval

Determine credit worthiness of applicants

Designate degree of risk involved in extending credit by performing cash flow analysis of businesses

Assess, analyze and interpret complicated financial information

Undertaking risk analysis by developing statistical models

Analyze financial briefings

Ensure all approved applications comply with firm and lender criteria

Respond to inquiries from lenders

Keep knowledge of key issues up-to-date (for example legal, market risk and compliance issues)

Review deals and field questions from Junior Credit Analysts

Assist with company and client audits

Help to enhance the quality of credit applications

Make recommendations about procedural/policy changes.

Prepare and analyze accounting entries and other financial reports to assess accuracy and completeness to standard guideline procedures

Allocate entries to proper accounts

Create Excel spreadsheets with formulas to use as work assets and templates

Process labor, payroll and benefit hours

Process reclamation

Allocate capital management labor hours to correct projects

Record quarterly capital interest

Process minerals and allocate to correct general ledger accounts

Reconcile petty cash monthly expenses

Import and post all prepaid amortization and advance royalties

Reconcile prepaid expenses

Prepare accruals for all open service purchase orders for expense and capital

Determine accrual for out of town warehouse management fees

Post quarterly ARO adjustments

Process all disposals of fixed assets.

Report monthly accruals to accounting ensuring costs are allocated to project

Verify monthly pre-close reports to verify cost is correctly allocated

Track projects cost of Forecast to complete

Liaison with tax and accounting department to ensure taxes are paid at correct rates and allocated to the right project

Update Capital Database with monthly forecast and notate changes

Review open commitments and their effect on forecast

Develop project costs and schedule spreadsheets to assist forecasting thru project competition Complex/Multi-phase structure

Work with Accounting to journal cost to correctly allocate charges to project

Update Accounting on project status for In-Service Determination

Components assets for complex projects and tracks as the costs are transferred by asset

Prepare monthly project presentation for senior management project meeting

Builds AFE baseline costs and updates current project cost using Workbooks and Business Objects Reporting.