El Hadji Ba
Post-Closing Loan Specialist
Denver,CO
Summary
Strong leader and problem-solver dedicated to streamlining operations to decrease costs and promote organizational efficiency. Uses independent decision-making skills and sound judgment to positively impact company success. Strengths include financial administration, team leadership and compliance. Ambitious banking professional extensively trained in bank operations, loan mortgages, sales and staff training. Highly committed with hardworking mentality to maintain quality of services and products.
Overview
23
23
years of professional experience
Work History
Post Closing Loan Specialist
Habitat For Humanity Of Metro Denver
2022.05 - Current
- Produced and submitted completed loan packages to title and escrow professionals.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Assessed customer account histories to determine previous compliance with payment plans and loan terms.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Communicate as necessary and process all legal documents associated with homeowner issues, e.g., pay-offs, releases of deeds, refinances, borrower modifications.
- Create monthly and annual mortgage reports for Finance and Audit Committee, loan investors, banking partners, credit reporting bureaus and internal staff on as-needed basis.
- Develop relationships with investor banks to learn their requirements and needs to purchase loans.
- Introduced new processes to improve data analysis
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Collaborated with underwriters to ensure accurate evaluation of creditworthiness and risk assessment.
- Negotiated favorable terms for borrowers by effectively communicating their financial profiles to lenders.
- Liaised closely with other departments such as collections and legal teams when necessary to expedite resolution of problematic accounts.
- Proactively identified potential delinquent accounts, implementing early intervention strategies to mitigate risk exposure for the company.
- Resolved complex issues related to existing loans, effectively retaining clients while addressing concerns promptly.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Developed and maintained relationships with customers, lenders and other third parties.
Loan Processor
HCL Technologies/ NewRez
2021.03 - 2022.05
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Interviewed clients regarding loan needs and financial histories and conveyed information regarding application processes.
- Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Processed loans within various departments to achieve timely, accurate and fair proceedings.
- Evaluated approvals against established bank and government lending standards.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
Relationship Manager
KeyBank
2016.08 - 2019.08
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Recommended loan approvals and denials based on customer loan application reviews.
- Assisted senior-level credit officers with complex loan applications.
- Submitted loan applications to underwriter for verification and recommendations.
- Awarded Employee of Quarter service award after closing $1M in new business.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Explained very technical financial information to applicants in easy to understand language.
- Identified new business opportunities through diligent market research and analysis, contributing to increased revenue growth.
- Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
- Tailored financial solutions to client needs, ensuring alignment with their long-term goals and financial health.
Recruiter Specialist
Menzies Aviation Airline
2018.11 - 2019.07
- Leveraged social media platforms and online job boards to advertise open positions and engage with potential candidates.
- Followed up with notable applicants sourced via industry-specific pipelines, events and job fairs.
- Facilitated new employee orientations to foster positive team attitude.
- Operated and maintained applicant tracking and candidate management systems.
- Maintained thorough understanding and knowledge of hiring practices, recruitment strategies and staffing industry trends.
- Maintained filing system of current, prospective and future positions.
- Pre-screened resumes prior to sending to corporate hiring managers for consideration
- Collaborated with marketing to enhance employer brand, attracting higher caliber of applicants.
- Conducted performance reviews and provided feedback to managers on employee performance.
- Reduced expenses by analyzing compensation policies and implementing competitive programs while ensuring adherence to legal requirements.
Bank Manager
Wells Fargo
2009.08 - 2016.08
- Reviewed and edited 20 to 30 loan agreements to promote efficiency and accuracy.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance.
- Increased new bank relationships within local community through execution of quarterly promotions.
- Assessed about 25 employee performances and developed improvement plans.
- Delivered subject matter expertise for internal and external customers on compliance best practices and quality control.
- Prepared and presented comprehensive reports to upper management and audit team, covering issues and recommendations.
- Identified opportunities for process improvement within the branch, leveraging industry best practices to enhance efficiency.
- Conducted regular audits to ensure adherence to regulatory requirements, maintaining a strong control environment.
- Built strong relationships with local businesses, fostering partnerships that benefited both parties.
Branch Manager
Hertz Car Rental
2001.05 - 2009.05
- Forecasted trends and recommended improvements based on financial risk analyses.
- Boosted sales and customer loyalty through incentive programs.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring and termination processes and coaching employees on company protocol and payroll operations.
- Complied with regulatory guidelines and requirements.
- Performed supplier risk evaluations and supported regulatory inspections.
- Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
- Utilized exemplary negotiation skills to obtain contracts with service and body shop to increase revenues.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Utilized data-driven insights to make informed decisions regarding staffing levels during peak seasons thereby maintaining smooth functioning of branch operations.
- Negotiated with vendors to secure cost-effective solutions for branch operations, significantly lowering overhead costs.
- Supported financial director with special projects and additional job duties.
- Evaluated and negotiated contracts to procure favorable financial terms.
Education
Associate of Science - Computer Science
Red Rocks Community College
Lakewood, COAssociate of Applied Science - Petroleum Engineering
Colorado School of Mines
Golden, COAssociate of Science - Law (Pre-Law)
University Cheick Anta Diop
Dakar, SenegalSkills
Bilingual in French
Timeline
Post Closing Loan Specialist
Habitat For Humanity Of Metro Denver
2022.05 - Current
Loan Processor
HCL Technologies/ NewRez
2021.03 - 2022.05
Recruiter Specialist
Menzies Aviation Airline
2018.11 - 2019.07
Relationship Manager
KeyBank
2016.08 - 2019.08
Bank Manager
Wells Fargo
2009.08 - 2016.08
Branch Manager
Hertz Car Rental
2001.05 - 2009.05
Associate of Science - Computer Science
Red Rocks Community College
Associate of Applied Science - Petroleum Engineering
Colorado School of Mines
Associate of Science - Law (Pre-Law)
University Cheick Anta Diop
Similar Profiles
Tiffany CampbellTiffany Campbell
AP Associate at Habitat For Humanity Of Metro DenverAP Associate at Habitat For Humanity Of Metro Denver
El Hadji BaEl Hadji Ba
Post-Closing Loan Specialist at Habitat For Humanity Metro DenverPost-Closing Loan Specialist at Habitat For Humanity Metro Denver
Elaine ColletElaine Collet
DIRECTOR OF VOLUNTEER ENGAGEMENT at Greater Des Moines Habitat for HumanityDIRECTOR OF VOLUNTEER ENGAGEMENT at Greater Des Moines Habitat for Humanity