BIANCA SODIPO
Hampton,GA
Summary
Results driven Loan Underwriter with 10+ years of Small Business disaster loan experience, grant approval & finance experience. Small business owner and operator. Tax auditing & fraud analyst experience. Highly enthusiastic about sales, self-motivated, detailed oriented, and enjoys solving complex problems. Handles multiple responsibilities simultaneously while maintaining tight deadlines. Diligent communicator with superlative customer service skills. Meticulous professional commended for quickly and accurately learning new procedures.
Overview
15
15
years of professional experience
Work History
Owner/Operator
Dash Car Rental, LLC
Atlanta, GA
09.2022 - Current
- Set pricing structures according to market analytics and emerging trends.
- Promote business on social media platforms to maximize brand identity and generate revenue.
- Process rentals and collected associated payments.
- Supervise performance of workers with goals of improving productivity, efficiency and cost savings.
- Draft contracts, explain terms to customers and acquired signatures.
- Resolve customers' complaints regarding products or services.
- Led startup and creation of operational procedures and workflow planning.
- Develop and implement successful sales strategies to meet business goals.
- Negotiate with vendors to gain optimal pricing on products resulting in substantial increase in profit margin.
- Host special events to boost brand awareness and increase community engagement.
Commercial Loan Specialist
RP Professional Services/SBA Contract
Remote, GA
01.2023 - 07.2023
- 40hours/5days per week
- Supervisor: Arlene Erskine
- Approve/Decline loan requests by analyzing applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
- Adhered to applicable SBA laws and regulations.
- Interviewed applicants and reviewed financial, credit and property details for each application.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Approved loan within specified limits or referred to appropriate approval level.
Commercial Loan Underwriter
Crestmark- A Division of MetaBank
Remote, MI
02.2022 - 09.2022
- 40hours/5days per week
- Supervisor: Ed Wilson
- Underwrite conventional, USDA, and SBA 7(a) guaranteed loans according to Structured Finance Program Standards. $100K-$10M
- Underwrite loans for acquisitions, franchises, start-ups, working capital, equipment purchases, construction build-out, etc.
- Review CAVIRS, ACCURINT, OFAC, PACER, credit reports, background checks, etc. to determine that due-diligence documents are in good standing.
- Prepare and present credit narratives for appropriate approval to credit approval committee.
- Manage Customer Relations and present perfect hand-off to loan closers and portfolio teams.
- Review loan packages for completeness before forwarding to third party team (Windsor Advantage) for approval.
- Spread historical and projected documents to determine cash flow and repayment.
- Determine the strength of DSCR on a Proforma basis.
- Review real estate values to determine collateral percentages.
- Review PFS, Balance Sheets, personal & business tax returns, and other financial documents according to SBA requirements.
- Review prospect's business model, trends, character, and professional experience of applicants to determine cohesion with bank requirements and SBA requirements.
- Mitigate litigations, bank risks, program exceptions and rationalize credit worthiness.
- Travel to Michigan as needed for team building.
Disaster- Loan Specialist
Small Business Administration
Virtual-Telework, GA
07.2020 - 02.2022
- 60hours/6days per week (mandatory overtime) GS-11 contract
- Supervisor: Victoria Nguyen
- EIDL/Disaster Loan & Grant Approval Standards
- Responds to Congress & Senate Inquiries in 24 hours
- Modify loan amounts and repayment plans.
- Approve/Decline 4 loan applications per hour.
- Determine eligibility against rate sheets and business type.
- Loan approval limit $2Million per business
- Processes business loans and makes recommendations on collateral.
- Reviews all Agency Presidential Disaster Decelerations and responds accordingly.
- Perform Cash Flow Analysis to determine debt risk
- Analyze potential fraud risks against IP addresses, VOIP phone numbers, duplicate applications and system identify fails.
- Audit IRS tax transcripts, income statements, balance sheets, cash flow statements, statements of debt to determine business existence and loan eligibility.
- Review debt and revenue of Agricultural and Non-Profits. Examine 990s and 990EZs.
- Analyzes credit reports to determine character and repayment possibility.
- Distributes SBA forms and documents accordingly to applicants.
- Monitors prior SBA approvals and accounts for EIDL legislative and administrative lending limits.
- File UCC reports on loans $500k or more
- Reviews decision amounts and interest rates to compare against the type of business and revenue amounts.
- Utilizes SBA Employee Gateway and Rapid Decision Reference Guides.
Mortgage & Consumer Loan Originator
Georgia United Credit Union
Stockbridge, GA
12.2019 - 07.2020
- 40hours/5days per week
- Supervisor: Charlita Elston
- Analyzed risks such as; credit reports, tax returns, bankruptcy/discharges, charge-offs, liens, repossessions, inquiries, etc
- Calculated DTI, LTV, PTI, Revolving ratio, Gross income, and Bankruptcy Plus score to determine credit worthiness within Symitar and Rapid.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information
- Stayed in compliance with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Successfully closed average of $2.5M in loans per month
- Increased sales of 8 add-on services per 10 loans
- Recommended loan approvals and denials based on customer loan application reviews
- Explained different types of loans pertaining to client situations. Educated clients on decisions and terms
Training & Branch Manager Coordinator II
MidSouth Community Federal Credit Union
Macon, GA
07.2016 - 12.2019
- 48hrs/6days per week (overtime as needed)
- Supervisor: David Bass
- Lead MSR manager & recruiter, apart of Executive team to CEO and CFO.
- Implemented annual strategic training and marketing planning.
- Marketed loan and investment opportunities to members
- Traveled daily to outreach meetings to acquire/market business accounts and business relationships.
- Business account auditor. Transaction monitoring. Fraud Examining.
- Issued training and regulatory compliance for all staff; Anti-Money Laundering, USA Patriot Act, Bank Secrecy Act, Know your customer, Know your money, Customer Due Diligence, Enhanced Due Diligence, High Risk Business Client Assessments.
- Developed standard curriculum for all employee departments; Sales, Marketing, Merchant Services, Account Management, Accounting,Business Lending, Retail Lending, Teller, Member Services, Collections, Human Resources and Call Center.
- Responsible for strategic planning and marketing to potential employees.
- Increased sales by 18% by training employees on how to spot lending and financial needs.
- Conducted Sales Training for HELOC's, Credit Cards, Auto Loans, Commercial Lending and other lending opportunities.
- Secondary Underwriter for personal and business lending.
- Represented MIdSouth via seminars, community engagement dinners, etc.
- Assisted in auditing loan closing paperwork, funding and liquidating loans.
- Assisted Loan Processors with Title work.
- Audited all departments for education and compliance.
- Reviewed all business application by acting as the main point of contact for business account approvals to mitigate fraud.
- Created tele-conference schedules for the entire organization via Microsoft Teams and Zoom
Assistant Branch Manager, VP III
BB&T (Truist)
Macon, GA
10.2008 - 06.2016
- 40hours/6days per week
- Supervisor: Penny Brown
- Top 5 loan performer out of 285 officers in Southern region every quarter.
- Assisted with SBA and Grant Assistance information.
- Created Letters of Credit to enhance international trade transactions.
- Refer international clients for import/export financing options.
- Calculated international foreign exchange currency by rate per day.
- Offered credit terms to foreign buyers on behalf of business accounts.
- Closed 10 personal loans and 5 commercial loans per week.
- Made 5 appointments per week with Small Businesses.
- Initiated Construction loans for Small Businesses.
- Approved loans under $100k. Funded loans under $1.5m.
- Analyzed business plans, credit reports, business tax returns, financial statements, and all other business documents needed for commercial lending.
- Analyzed credit risks for construction and home loans.
- Analyzed credit applications for risk factors and credit worthiness.
- Supervised team of 5 branch employees and made recommendations regarding performance evaluations, payroll, sick time, vacation, etc.
- Conducted monthly community seminars on economic security, credit, and investments.
Education
MBA - Finance Focus
Walden University
Minneapolis, MN05.2022
Bachelor of Science - Finance
Walden University
Minneapolis, MN01.2018
Associate of Science - Accounting
Georgia Military College
Warner Robins, GA08.2014
Ph.D. - Management & Finance
Walden University
Minneapolis, MN2025
Skills
- Strong Knowledge of SBA disaster lending policies & standards
- Experience in SBA 7(a) small loan program standards
- Auditing business tax transcripts
- Knowledge of tax laws
- Microsoft Office Proficient
- Excel, Outlook, Teams, Word, & One-Note Expert
- Financial analysis and reporting
- International Foreign Exchange
- Strategic and financial planning
- Team Management
- Business Relationship Development
- Financial Counseling
- Dealership Floor Planning
- Dealership Finance Manager
- Sales Negotiating
- Coaching and training
- Regulatory Compliance
- Business Operations
- 65 WPM
Accomplishments
Small Business Owner
Community Developer
Frequent Chamber of Commerce Partner
PROFESSIONAL REFERENCES
- David Danzie 478-973-0159
- Anita Harvey 478-394-1540
- Charlita Elston 404-510-9852
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Quote
Every problem is a gift—without problems we would not grow.
Tony Robbins
Timeline
Commercial Loan Specialist
RP Professional Services/SBA Contract
01.2023 - 07.2023
Owner/Operator
Dash Car Rental, LLC
09.2022 - Current
Commercial Loan Underwriter
Crestmark- A Division of MetaBank
02.2022 - 09.2022
Disaster- Loan Specialist
Small Business Administration
07.2020 - 02.2022
Mortgage & Consumer Loan Originator
Georgia United Credit Union
12.2019 - 07.2020
Training & Branch Manager Coordinator II
MidSouth Community Federal Credit Union
07.2016 - 12.2019
Assistant Branch Manager, VP III
BB&T (Truist)
10.2008 - 06.2016
MBA - Finance Focus
Walden University
Bachelor of Science - Finance
Walden University
Associate of Science - Accounting
Georgia Military College
Ph.D. - Management & Finance
Walden University
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