Hi, I’m
Cindy Silliman
Sheridan,AR
Summary
I have been in banking since November 1999. I started at Metropolitan National Bank as a File Clerk in CIF. I have worked in various roles in the finance industry. Loans, retail, management and operations. I am an extremely quick learner, very dedicated and a hard worker. All of my previous managers and supervisors would also agree with that statement.
Overview
18
years of professional experience
Work History
SIMMONS BANK
BUSINESS DEVELOPMENT OFFICER
01.2021 - 05.2023
Job overview
- Seek new business opportunities for equipment finance communicate directly with dealers, vendors and brokers getting new loans for equipment loans make credit decisions on approving and declining loans work closely with customers on getting updated financial information and servicing both existing and new financing
- Travel to meet prospects and get the bank more business with large corporate dealerships
- Analyze credit packages for financing
- Collecting past dues and asset recovery
- In 2022, closed over $10MM in loans and handled a $16MM portfolio
- Communicated with customers to get current accounts, to avoid-repossession
- Worked closely with fleet owners and business owners.
SIMMONS BANK
Appraisal Specialist II
09.2015 - 01.2021
Job overview
- Review 1-4 Family Residential Appraisals, Land Appraisals, Condo’s and 2-4 Family Appraisals
- Ordered AVM’s and gave values to SFR dwellings
- Discuss appraisals with appraisers and bank personnel
- Make sure all appraisal reports are compliant with USPAP (Uniform Standards of Professional Appraisal Practice), Interagency Guidelines, Regulation B and FIRREA (Financial Institutions Recovery, Reform and Enforcement Act of 1989)
SIMMONS BANK
Loan Secretary II (Senior Commercial/Construction loan assistant)
11.2011 - 09.2015
Job overview
- Day to day communication with customers, executives, loan officers and loan participants
- Collections on past due customers
- Loan closing process and made sure all loan documents were compliant with all regulations and requirements
- Loan Funding
- Loan Document Preparation and Loan Renewals
- Work Credit & Collateral Exceptions
- Construction advances and loans
- Ordered Appraisals for both consumer and commercial properties
- Ordered inspections on properties under construction
- Got all customer documents gathered and distributed to participants on all participation loans
- Assisted with the Equipment Finance Department with booking and funding equipment loans
- Prepared construction loan portfolio for loan officer
US Bank
Assistant Branch Manager/Loan Officer
06.2005 - 11.2011
Job overview
- Made sure branch was in compliance with operational policies and procedures
- Coordinate workflow to appropriate branch staff
- Perform Management duty which includes schedule and assign work to branch staff, coach employees on training, development, and motivation
- Respond to employee questions and customer complaints
- Maintain documentation of the branch staff attendance, productivity, accuracy, and performance
- Coordinate operational activities within the branch to ensure passing of all operational audits and assessments
- Review Loans and Accounts to make sure compliant with the bank regulations, bank policies, and to avoid Exceptions
- Handle Business customers with their Business Banking & Business loans for qualifying customers
- Audit Teller’s when out of balance and search to see if can locate the outage
- Call customers who appear on the daily overdraft report
- Went out on officer calls to get new business for the bank
Education
AI
Residential Case Studies and Writing
01.2017
AI
Residential Marketing Analysis and Highest and Best Use
01.2017
RCI
Sales Comparison Approach 15 hrs.
01.2016
RCI
Income Approach 15 hrs.
01.2016
RCI
USPAP 7-hour update
01.2016
RCI
USPAP 15 hrs.
01.2015
McKissock
Basic Appraisal Principles 30 hrs.
01.2015
McKissock
Basic Appraisal Procedures 30 hrs.
01.2015
CFT
Principles of Banking
01.2004
Poyen High School
High School Graduate
05.1998
Skills
- Microsoft Office
- AS/400 Database
- B2B Sales
- LaserPro
- Lending Cycle
- Management
- Organization
- Loan Vantage
Timeline
BUSINESS DEVELOPMENT OFFICER
SIMMONS BANK
01.2021 - 05.2023
Appraisal Specialist II
SIMMONS BANK
09.2015 - 01.2021
Loan Secretary II (Senior Commercial/Construction loan assistant)
SIMMONS BANK
11.2011 - 09.2015
Assistant Branch Manager/Loan Officer
US Bank
06.2005 - 11.2011
AI
Residential Case Studies and Writing
AI
Residential Marketing Analysis and Highest and Best Use
RCI
Sales Comparison Approach 15 hrs.
RCI
Income Approach 15 hrs.
RCI
USPAP 7-hour update
RCI
USPAP 15 hrs.
McKissock
Basic Appraisal Principles 30 hrs.
McKissock
Basic Appraisal Procedures 30 hrs.
CFT
Principles of Banking
Poyen High School
High School Graduate
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