Summary
Overview
Work History
Education
Skills
Additional Information
Work Availability
Software
Timeline
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DESIREE MACKAY

Point Pleasant,WV

Summary

Seasoned career in Loan Operations Management with strong leadership qualities, an outstanding work ethic and a high degree of integrity. Skillset covers a broad range across distribution, production, process controls and management of personnel.

Overview

33
33
years of professional experience

Work History

SVP/Loan Systems Administrator

Cornerstone Community Bank
Redding, CA
09.2018 - Current
  • Manage staff of 5 employees
  • Core System Management - Loans
  • Managed Data Conversion from FIS Banpac to FIS Horizon
  • Set up FIS Document Management (FDM) including parameters and bar-coding utilizing Finastra Laserpro , converted bank complete loan portfolio to paperless.
  • Manage Interest Rate Hedging loans for bank.
  • Drove operational improvements which resulted in savings and improved profit margins
  • Managed quality assurance program, including on-site evaluations, internal audits and customer surveys
  • Saved $6,000.00 annually by implementing cost-saving initiatives that addressed long-standing problems
  • Assisted and process Paycheck Protection Program portfolio of $85M, underwriting, E-tran approval, documentation and funding . Managed SBA processing of 1502 reporting to capture fee income
  • Managed 1502 SBA 7a monthly reporting portfolio of $97M
  • Identified and solved issues with production, workforce and material sourcing to drive business objectives
  • Resolved issues and recommended actions based on production and compliance reports
  • Identified opportunities to improve business process flows and overall departmental productivity
  • Integrated and updated software products to boost system compatibility.
  • Detailed upcoming software upgrades and system sprints to team members.
  • Developed modification program to determine compatibility with various software.
  • Evaluated software products to determine compatibility with existing systems.
  • Diagnosed and resolved hardware and software issues.
  • Researched and recommended new technologies and strategies for improving system performance.
  • Resolved issues and escalated problems with knowledgeable support and quality service.

VP/Credit Support Manager

Golden Valley Bank
Chico, CA
01.2016 - 09.2018
  • Manage staff of five employees with portfolio of $625 million
  • Created and Maintained Department Policy and Procedures
  • Manage and maintain core processing system loan specifications and integration tables Monitoring that processes are functioning correctly and all loan funds are moving through correct general ledgers accounts Oversee
  • Research and analyze loan data create reports using Microsoft excel and Premier for Board of Directors, FDIC, and federal auditors
  • Developed and shared best practices across company, including setting up and utilizing AccuSystems AccuAppoval to stream line paperless process

VP/Director Loan Operations Center

Tri Counties Bank (acquired North Valley Bank)
Chico, CA
11.2014 - 01.2016
  • Converted loan portfolio of approximately 30,000 loans insurance tracking vendor from Allied Insurance to Quietrack
  • Optimized overall customer experience through monitoring system to system conversion issues, from bank merger
  • Assist in setting up processing procedures for mortgage servicing for MERS and Fannie Mae
  • Managed and reported on banks flood remediation project. Reviewed 1,300 loans located in flood zone to ensure Bank met Flood Insurance Regulation. This resulted in satisfactory audit

VP/Loan Operations Manager

North Valley Bank
Redding, CA
02.1991 - 10.2014
  • Manage staff of twenty employees. Responsible for overseeing Loan Servicing Department, Special Assets and Real Estate Loan Officer Sales Team.
  • Generated substantial Non Interest Income in first year by spearheading cost savings procedures and staff expense.
  • Evaluate and restructure department policy and procedures giving 27% cost savings.
  • Manage Banks Loan Core Processing System Budgeting Analysis compare actual to budget.
  • Problem solve Create reports using Microsoft excel and Viewpoint for Board of Directors, FDIC, and federal auditors.
  • Review and comply with Regulatory requirements Research and analyze loan data.
  • Implemented and established Laserpro Lending into windows version, processing approximately 400 loans year. Prepare all types of loan documents including but not limited to Commercial, Consumer, Construction and Home Equity Lines of Credit.
  • Maintain new loans adding to Loan Accounting System and disburse loan proceeds
  • Resolved problems, improved operations and provided exceptional service
  • Created plans and communicated deadlines to ensure projects were completed on time

Education

Associate of Science - Business Administration

Shasta Community College
Redding, CA

Skills

  • 20 years proven supervisory experience
  • Budgeting, cost control and reduction
  • Laserpro expert for implementation management and training
  • Qualified in Commercial, Consumer, Mortgage and SBA
  • Systems implementation and core system management

Additional Information

  • Board of Director Northern California Veterans Museum
  • Board of Director Homeward Bound Military Family Support Services
  • Relay for Life Team Captain
  • Support our Troops
  • Christmas for the Troops
  • Honor Flight-Guardian three flights
  • Thrivent Habitat for Humanity Treasurer.

Work Availability

monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Software

FIS Horizon Core System Loans

FIS Content Management (FCM)

Abrigo Sageworks

Laserpro Lending

Timeline

SVP/Loan Systems Administrator

Cornerstone Community Bank
09.2018 - Current

VP/Credit Support Manager

Golden Valley Bank
01.2016 - 09.2018

VP/Director Loan Operations Center

Tri Counties Bank (acquired North Valley Bank)
11.2014 - 01.2016

VP/Loan Operations Manager

North Valley Bank
02.1991 - 10.2014

Associate of Science - Business Administration

Shasta Community College

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DESIREE MACKAY