Dorian Richard
Reston,VA
Summary
Accomplished professional in financial services with expertise in loan documentation and compliance. Demonstrates a meticulous approach to reviewing legal documents, ensuring alignment with regulatory standards. Experienced in fostering strong relationships with stakeholders to facilitate seamless loan processing and enhance client engagement.
Overview
9
9
years of professional experience
Work History
Commercial Loan Documentation & Closing Specialist
John Marshall Bank
Reston, VA
11.2024 - Current
- Responsible and accountable for closing $45,000,000+ in real estate and non-real estate secured transactions
- Reviewed loan applications for accuracy and completeness.
- Prepared loan documentation in compliance with regulatory standards.
- Review and analyze title commitments, title policies, and related exceptions to verify lien priority, identify title defects, and confirm that collateral is properly positioned to secure commercial loan obligations.
- Review original loan documentation for accuracy, completeness, proper execution, and consistency with approved credit terms, identifying discrepancies and documentation deficiencies to mitigate organizational risk and support compliance with internal policies and regulatory requirements.
Loan Documentation Specialist
Mainstreet Bank
Fairfax, VA
07.2023 - 11.2023
- Assisted up to 6 lenders in resolving complex legal or technical questions related to loan documents and loan fundings.
- Prepared loan documents, including promissory notes, deeds of trust, mortgage insurance policies, and truth-in-lending statements.
- Reviewed attorney-prepared loan documentation and HUD settlement statements to ensure documents and funding adhered to credit approval, internal policy, procedures, and local regulations and restrictions.
- Collaborated with underwriters and closing attorneys to resolve any discrepancies in the applicant's financial profile or documentation issues.
- Prepared Closing Disclosure statements and other required documents in accordance with federal regulations.
- Reviewed loan applications and supporting documentation for completeness and compliance.
- Maintained electronic filing systems, including supporting documentation, used to evidence the debt and secure the loan.
Commercial Loan Fulfillment Specialist
Regions Bank
Dallas, TX
04.2022 - 03.2023
- Supported up to 12 lenders in credit due diligence, compliance, collateral perfection, and loan documentation for complex real estate and non-real estate secured commercial credit transactions from application submission to closing, while maintaining a 30-day application to closing timeline.
- Obtain and analyze credit approval, entity documentation, construction contracts, title work, valuation products, and commercial insurance, and other required documentation to evidence the debt and secure the loan.
- Represent the bank and relationship manager in the transaction by acting as a liaison between external vendors, closing attorneys, and credit risk officers while demonstrating understanding of the risks and requirements associated with extending commercial credit.
- Carefully review all internally and attorney-prepared loan documentation to ensure documentation adheres to loan approval and regulatory requirements, and ensure all identified issues are remediated prior to closing.
- Trained assistants, underwriters, and loan officers on loan origination systems and data entry requirements to ensure the correct procedures for operations are followed in accordance with regulatory and policy changes.
- Evaluated training materials prepared by instructors and offered actionable suggestions for improvement.
Commercial Banking Relationship Assistant
Regions Bank
Dallas, TX
06.2019 - 04.2022
- Established leads in CRM systems and updated client information as needed.
- Efficiently executed all servicing requests related to commercial client banking relationships, including establishing and maintaining deposit accounts, account transaction inquiries, meeting scheduling, and requesting required covenant documentation.
- Facilitate and manage credit application workflow to closing for new loans and renewals, including conducting due diligence reviews, gathering and analyzing financial information, and identifying existing liens.
- Developed reporting comprised of covenant compliance, regulatory exceptions, emerging risk, and upcoming sales opportunities on the market level, saving executive leadership and Relationship Managers approximately 3 hours per week.
- Partnered with the Treasury Management team to ensure all service implementations were completed in a timely fashion and functioned properly on the online platform.
- Reviewed and funded 300+ loans through the Paycheck Protection Program to assist small businesses in meeting payroll obligations during the pandemic, while successfully servicing existing client requests.
Financial Relationship Consultant
Regions Bank
Dallas, TX
06.2018 - 06.2019
- Enriched and expanded Consumer and Business banking relationships through needs-based conversations, creating long and short-term financial plans to reach the clients financial goals
- Achieved branch targets and individual goals by identifying customer needs and providing appropriate guidance and perspective on potential banking solutions
- Successfully educated clients on the emerging technology and digital perks such as mobile, online banking and ATM offerings to make the banking experience easier
- Provided a consistent optimal customer experience, including handling customer’s transactional needs while owning and resolving customer issues
- Successfully partner with Commercial, Wealth Management, and Treasury Management when a prospecting opportunity presented to drive organizational growth
- Uphold sound banking practices including adherence to all applicable laws and federal regulations, supporting suspicious activity, and conducting due diligence reviews.
Financial Relationship Specialist
Regions Bank
Dallas, TX
05.2017 - 05.2018
- Enriched and expanded Consumer banking relationships through processing transactions, and having needs-based conversations, referring customers to the appropriate business partner and driving organizational growth
- Processed transactions for consumer and business clients in an efficient manager including change orders, check deposits, cash deposit and withdrawals
- Successfully educated clients on the emerging technology and digital perks such as mobile, online banking and ATM offerings to make the banking experience easier
- Provided a consistent optimal customer experience, including handling customer’s transactional needs while owning and resolving customer issues
- Identify, Report and Mitigate fraud, partner with corporate security and local law enforcement when applicable
- Successfully recorded and projected cash flows on a weekly basis to ensure banking center operated at an optimal vault cash position
- Verify Coin and Currency items in accordance with corporate and federal guidelines.
Education
Associate of Applied Science - Accounting (Some College, No Degree)
Purdue University Global
Indianapolis, IN01-2021
Skills
- Commercial Loan Processing
- Legal Documentation
- Collateral Perfection
- Leadership
- Relationship Management
- Systems: nCino, Baker Hill, LaserPro, Salesforce, FIS Horizon, MS Office
Affiliations
- Volunteer, Cornerstones
Timeline
Commercial Loan Documentation & Closing Specialist
John Marshall Bank
11.2024 - Current
Loan Documentation Specialist
Mainstreet Bank
07.2023 - 11.2023
Commercial Loan Fulfillment Specialist
Regions Bank
04.2022 - 03.2023
Commercial Banking Relationship Assistant
Regions Bank
06.2019 - 04.2022
Financial Relationship Consultant
Regions Bank
06.2018 - 06.2019
Financial Relationship Specialist
Regions Bank
05.2017 - 05.2018
Associate of Applied Science - Accounting (Some College, No Degree)
Purdue University Global