Cynthia Haynes

• Mananged a portfolio of Syndicated Loans including all daily transactions associated with that specific portfolio (rollovers, draws, pay downs, interest payments, etc.)
• Ensure all lending transactions are booked and managed correctly, minimizing operational risks and losses and ensuring compliance with all bank policies and procedures.
• Comfortably manage all aspects of the loan servicing process.
• Provide timely billing if applicable and process all incoming funds for fees, principal, and interests.
• Process outgoing loan-related payments via GPP/MTX for FED/CHIP/SWIFT payments.
• Update customer/agent bank contact list and special handling list periodically.
• Investigate and resolve pending items in Cash Accounts, Past Dues, Suspense, and Break-Funding charges.

• Handled a portfolio of Syndicated Loans including all daily transactions associated with that specific portfolio (rollovers, draws, pay downs, interest payments, etc.)
• Ensure all lending transactions are booked and managed correctly, minimizing operational risks and losses and ensuring compliance with all bank policies and procedures.
• Comfortably manage all aspects of the loan servicing process.
• Provide timely billing if applicable and process all incoming funds for fees, principal, and interests.
• Process outgoing loan-related payments via GPP/MTX for FED/CHIP/SWIFT payments.
• Update customer/agent bank contact list and special handling list periodically.
• Investigate and resolve pending items in Cash Accounts, Past Dues, Suspense, and Break-Funding charges.
• Secure approvals from the middle office, front office, and/or the client when necessary
• Ability to reconcile outstanding breaks (Cash, Past Dues, and Data Integrity)

• Handled a portfolio of Syndicated Loans including all daily transactions associated with that specific portfolio (rollovers, draws, pay downs, interest payments, etc.)
• Ensured all lending transactions are booked and managed correctly, minimizing operational risks and losses and ensuring compliance with all bank policies and procedures.
• Comfortably manage all aspects of the loan servicing process.
• Provided timely billing if applicable and process all incoming funds for fees, principal, and interests.
• Updated customer/agent bank contact list and special handling list periodically.
• Investigated and resolve pending items in Cash Accounts, Past Dues, Suspense, and Break-Funding charges.
• Secured approvals from the middle office, front office, and/or the client when necessary
• Ability to reconcile outstanding breaks (Cash, Past Dues, and Data Integrity)

• Collected all information about FI customers and syndicated loans
• Conducted and analyze annual review of existing borrowers and clients.
• Independently review and recommend new credit proposals.
• Complied spreadsheets on borrowers/guarantors’ financial statements and cash flow projections.
• Spread and analyze personal and corporate financial statements.
• Prepared credit analysis on companies and guarantors.
• Prepare projections and cash flow projections and determine manner of preparation.
• Analyzed industry trends and recommend suggestions based on trend.
• Analyzed account receivable and payable aging reports and develop collection strategies.
• Review loan documentation to ensure accuracy and compliance with law and Bank policy.
• Studied economic trends in firm’s industry or branch of industry to predict probable success of new customer.
• Evaluated results of investigations, prepares reports of findings, and suggests credit limitations to management.
• Maintained database of customer credit histories.
• Closing secondary trades of syndicated loans in the Clearing System

• Perform a thorough review and analysis of borrowers credit, employment, income and assets as required the particular loan program before submitting to underwriting

● Assemble the complete loan package in proper order for underwriting:

● Review loans for compliance with all mortgage-related regulations (RESPA, TIL, HMDA, Reg. B, etc.) and prepare required disclosures .

● Manage pipeline by completing and submitting reports within allotted turn-around times.

• Accurately reconcile a large volume of exceptions related to payments and fees in ACBS, focusing on syndicated loans.
• Efficiently review and process email and fax communications containing loan notices, identifying missing notices, and settling them accordingly.
• Demonstrate a deep understanding of fee structures and notices for syndicated loans to handle complex reconciliation tasks.
• Analyze and resolve issues arising from loan trading, including the muddled allocation of principal and interest payments during loan purchases and sales.
• Collaborate with internal and external stakeholders to address discrepancies and ensure proper reconciliation.
• Maintain a high level of accuracy and attention to detail while working under tight deadlines.
• Adhere to company policies, procedures, and regulatory guidelines to ensure compliance.