Dennis Galvez
Federal Way,WA
Summary
Professional Appraisal Management & Special Credit Analyst at Kitsap Bank with expertise in real estate collateral valuations review and financial statement analysis. Proven track record in streamlining loan documentation processes and enhancing team collaboration. Recognized for outstanding customer service, attention to detail and organizational skills, driving compliance and efficiency in high-stakes environments.
Overview
28
28
years of professional experience
1
1
Certification
Work History
Appraisal Management & Special Credit Analyst
Kitsap Bank
02.2021 - Current
- Managed the appraisal process throughout the bank for the following departments: Administration, Special Assets, Mortgage, Consumer and Commercial Lending, including recruiting new bank approved appraisers and monitor and maintaining quality control qualifications credentials of current bank approved appraisers.
- Conducted the reviews for consumer and residential appraisal reports and collaboration with credit for commercial real estate appraisal requests and review.
- Managed and facilitated the process for environmental assessments reports.
- Led and Collaborated with cross-functional teams in maintaining and drafting regulatory requirements to ensure bank's compliance policies and procedures.
- Provided guidance and training to loan support staff to streamline approval processes and enhance efficiency.
- Reviewed and forensically analyze loan documentation of current and potential real estate collaterals of risk rated loans and collaborated with team to produce legal action and loan status reports.
- Monitored industry trends to identify potential risks and opportunities for portfolio's maintenance and growth.
Senior Loan Coordinator and Credit Analyst
Kitsap Bank
08.2017 - 02.2021
- Coordinated loan processing activities to ensure timely approvals and compliance with regulatory standards.
- Streamlined documentation procedures, enhancing workflow efficiency and accuracy in loan applications.
- Collaborated with underwriting teams to resolve complex issues and facilitate seamless transactions.
- Implemented process improvements that reduced turnaround time for loan approvals by optimizing team collaboration.
- Assisted in the development of departmental policies and procedures to maintain consistency across all teams and improve overall performance.
- Developed training materials to enhance team knowledge of loan products and regulatory requirements.
- Managed multiple high-priority loan applications simultaneously, ensuring timely completion without sacrificing attention to detail.
- Developed strong relationships with key stakeholders, including lenders, underwriters, and real estate agents, fostering a collaborative work environment.
Senior Commercial Banking Rep
Sterling Bank / Umpqua Bank
09.2000 - 08.2017
- Coordinated loan processing activities, ensuring compliance with regulatory standards and internal policies.
- Analyzed loan applications for accuracy and completeness, facilitating timely approvals.
- Played a critical role in securing funding for large-scale commercial projects by efficiently coordinating documentation requirements among various parties involved.
- Provided mentorship and guidance to new team members, fostering a supportive work environment focused on growth and development.
- Served as liaison between clients and other departments during complex transactions, ensuring smooth communication and minimal delays.
- Ensured compliance with industry regulations through diligent monitoring of documentation and processes.
Home Loans QC
Washington Mutual Bank
02.2000 - 09.2000
- Managed end-to-end mortgage loan processing, ensuring compliance with regulatory standards
- Reviewed and analyzed loan applications for accuracy and completeness
- Collaborated with team members to meet monthly targets, contributing to the overall success of the department.
- Increased productivity by implementing time-saving strategies such as standardized checklists and document templates.
- Maintained a high level of accuracy in data entry, ensuring all loan applications were processed without errors.
Branch Manager
US Bank
06.1998 - 02.2000
- Led branch operations, ensuring compliance with regulatory standards and organizational policies.
- Developed and implemented strategic sales initiatives, enhancing customer engagement and satisfaction.
- Managed team performance through coaching, mentoring, and regular feedback sessions to drive productivity.
- Analyzed branch financials to identify trends, optimize budgets, and improve profitability metrics.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Established strong community relationships through outreach programs and local partnerships to boost brand presence.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
Teller Supervisor
Us Bank
03.1998 - 06.1998
- Supervised daily operations, ensuring compliance with banking regulations and internal policies.
- Trained and mentored team members on customer service excellence and sales techniques.
- Implemented process improvements to enhance transaction efficiency and reduce errors.
- Monitored cash handling procedures, ensuring accuracy and security of financial transactions.
- Analyzed performance metrics to identify trends and drive staff development initiatives.
Teller
US Bank
01.1998 - 03.1998
- Processed customer transactions efficiently using advanced banking software.
- Assisted customers with account inquiries and product recommendations to enhance service experience.
- Maintained accurate cash drawer balancing and reconciled discrepancies promptly.
- Trained new tellers on operational procedures and customer service standards.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
Education
Bachelor of Science - Business Administration And Management
Angeles University
Angeles City, Philippines03-1996
Skills
- Collateral valuation
- Loan documentation and policies
- Financial statement analysis
- Microsoft Excel proficiency
- Teamwork
- Organizational skills
- Attention to detail
Certification
Appraisal Institute:
- Basic Appraisal Principles
- Basic Appraisal Procedures
- Real Estate Finance, Statistics and Valuation Modeling
Timeline
Appraisal Management & Special Credit Analyst
Kitsap Bank
02.2021 - Current
Senior Loan Coordinator and Credit Analyst
Kitsap Bank
08.2017 - 02.2021
Senior Commercial Banking Rep
Sterling Bank / Umpqua Bank
09.2000 - 08.2017
Home Loans QC
Washington Mutual Bank
02.2000 - 09.2000
Branch Manager
US Bank
06.1998 - 02.2000
Teller Supervisor
Us Bank
03.1998 - 06.1998
Teller
US Bank
01.1998 - 03.1998
Bachelor of Science - Business Administration And Management
Angeles University
Kitsap Bank Employee Recognition - Team Player
In recognition for promoting Kitsap Bank's Core Values.