Dylan Pap
Philadelphia,PA
Summary
Highly motivated and detail oriented with over six years' experience working for various financial institutions. Currently working for JP Morgan Chase. With over 7 years experience working in the banking industry I have worked in a number of roles that include sales, accounting, underwriting, and commercial loan servicing
Overview
6
6
years of professional experience
1
1
Certification
Work History
Loan Origination Associate
JP Morgan Chase
12.2023 - Current
- Created Data Models to reflect pricing changes for JP Morgan's commercial lending clients
- Completed credit monitoring reviews to see how a borrowers financial state changed over the previous Quarter
- Performed regular compliance reviews and audits, identifying non-compliance issues.
- Updated JP Morgan's system with updated debt ratings for our borrowers that are publicly traded
- Manages and facilitates large-scale commercial loans, specializing in transactions exceeding billions of dollars
Commercial Underwriter & Relationship Manager
UCC Cornerstone Fund
03.2021 - 11.2023
- Created and maintained portfolios, analyze financial statements, and develop strategies for increased returns. Also responsible for managing risk and ensuring compliance with regulations
- Developed and implemented new underwriting policies and procedures, establishing useful and accurate processing of applications.
- Identified potential risks and evaluated loan products to identify suitable options for customers.
- Handled much of our company's internal operations. Including processing End of Day cash disbursements and collections.
- Researched and updated industry knowledge on changing legislation and regulations.
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Increased the balance of loans held by 22% during my tenure
Banker
Citizens Bank
11.2019 - 12.2020
- Worked with customers to meet their lending needs and gathered appropriate paperwork needed to start processing loan applications
- Collaborated with partners in Wealth, Mortgage and Business Banking to help customers with more complex financial needs
- Consistently exceeded sales goals and revenue targets by an average of 30%
- Closed over $10 million in consumer mortgage and HELOC applications from processing to closing stages
Retail Bank Intern
The Union Bank
06.2018 - 01.2019
- Helped clients with a wide array of lending categories with a focus on mortgage loans
- Assisted clients in opening accounts depending on their needs
- Created retirement/investment strategies for new clients with the help of our Wealth Management team
- Opened an average of 5 new accounts per day
Education
Economics, German Language
Bowling Green State University
Bowling Green, OH2019
Skills
- Regulatory Compliance
- Quickbooks
- Creating Financial Statements
- Property Law
- Financial Modeling
- Solid understanding of how to apply AI at Financial Institutions
- Microsoft Excel & Word
- Understanding Balance Sheet, Cash Flow & Income models
- Prepare for upcoming audits
- Basic understanding of preparing legal documents such as Lien Releases, Deeds of Reconveyance, and Unsecured Promissory Notes
Accomplishments
- Initiated over a dozen new lending policies at previous employers to generate additional revenue.
- Oversaw the development and implementation of several operational procedures to streamline and improve our compliance standards.
- Provided training and support to several new colleagues
- Responsible for forecasting upcoming disbursements against our available cash on hand.
Certification
First Aid/CPR Certified - Expires - 2025
SKILLS
Microsoft Office/Excel Knowledge - Proficient in German – Mac and PC Fluency- Market Knowledge – Sales- Management- Scheduling-Time Management-Building Customer Relationships - RMA Classes on Construction Loan Management - Working with Accounting to
generate financial reports
Other
Citizenship and right to work in both United States and Canada
Languages
German
Professional Working
Timeline
Loan Origination Associate
JP Morgan Chase
12.2023 - Current
Commercial Underwriter & Relationship Manager
UCC Cornerstone Fund
03.2021 - 11.2023
Banker
Citizens Bank
11.2019 - 12.2020
Retail Bank Intern
The Union Bank
06.2018 - 01.2019
Economics, German Language
Bowling Green State University
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