Erica Moore
Summary
Experienced SBA Senior Closer with 15 years of banking experience. Comprehensive background in SBA loan closing processes and documentation. Highly capable of managing high-volume loan portfolios, ensuring timely and accurate completion of all required paperwork. Expert in compliance and regulatory adherence with exceptional communication skills.
Overview
18
18
years of professional experience
Work History
VP Sr. SBA Collateral Coordinator
First Bank of the Lake
11.2024 - 03.2025
- Managed risk exposure by conducting regular audits of collateral files, identifying discrepancies, and resolving issues promptly.
- Verified lien status
- Ensured accuracy of legal descriptions for real estate collaterals by closely reviewing property records and title reports.
- Maintained an organized database of all collateral-related documents, facilitating quick access during audits or examinations.
- Managed Vehicle Titles
- Completed approximately 4 collateral reviews per day
VP Sr. SBA Construction Closing Coordinator
First Bank of the Lake
04.2023 - 10.2024
- Ensured timely closings by proactively addressing potential issues and maintaining open communication among all parties.
- Enhanced borrower satisfaction with timely and accurate completion of all loan closing tasks, including verifying documentation and ensuring compliance with regulations.
- Created Construction Project Budgets
- Reviewed and Approved General Contractors
- Utilized advanced organizational skills to manage multiple loan files simultaneously, prioritizing tasks based on urgency and importance.
- Ensured accuracy of closing documents by thoroughly reviewing all relevant information prior to client signing appointments.
- Prepared Initial Funding Package
- Closed approximately 4 to 6 loans per month
VP Sr. SBA Pre & Post Close Reviewer
First Bank of the Lake
05.2022 - 03.2023
- Followed established auditing processes to meet internal and regulatory requirements.
- Planned and executed follow-up audits at appropriate intervals.
- Communicated with SBA Closer to obtain necessary information for audits.
- Managed multiple concurrent audit engagements, prioritizing tasks to meet deadlines without compromising quality.
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Managed approximately 2 file audits per day
VP Sr. SBA Loan Closer
First Bank of the Lake
07.2021 - 04.2022
- Proactively resolved any issues that arose during the closing process, ensuring a smooth transaction for all parties involved.
- Collaborated closely with underwriting team to expedite loan decision-making processes, resulting in shorter waiting periods for clients.
- Contributed to the overall success of the company by consistently meeting departmental goals and exceeding client expectations.
- Developed strong relationships with title companies, real estate agents, and attorneys to facilitate seamless loan closings.
- Worked closely with funding department to ensure prompt disbursement of funds following successful loan closings.
- Stayed up-to-date on industry regulatory changes and best practices in order to maintain compliance at all times during loan closings.
SBA Loan Officer
KeyBank National Association
05.2018 - 06.2021
- Coordinated closing process with attorneys, title companies and government clerks.
- Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
- Provided quick turnaround times to maintain fast-past schedule.
- Checked packages for appropriate documentation.
- Upheld complete confidentiality of all submitted information according to release guidelines.
- Maintained compliance with privacy and security requirements, as well as federal statutes covering SBA Loans.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Assembled important paperwork and disclosures for borrower.
- Reviewed and edited loan agreements to promote efficiency and accuracy.
- Reviewed financial statements per.
- Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Maintained strict confidentiality of bank records and client information.
Wire Transfer Specialist
KeyBank National R
06.2014 - 05.2017
- Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.
- Requested official identification for Wire Transfers, consistently meeting strict legal standards.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
Teller
KeyBank National Association
06.2007 - 06.2014
- Performed customer transactions for money orders, cashiers checks, deposits and withdrawals.
- Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.
- Coordinated daily cash reconciliation in high-volume location.
- Upheld strict financial controls by keeping funds secure and accurately transferring monies.
- Executed customer transactions, including deposits, withdrawals, money orders and checks.
- Monitored customer behaviors and upheld strict protocols to prevent theft of assets.
- Observed all procedures regarding financial and customer information to prevent possible breaches and data misuse.
Education
Bachelor Of Urban And Regional Planning - Public Management
Cleveland State University
Cleveland, OH05-2026
Skills
- Superior Organization Skills
- ETRAN Expert
- nCino Expert
- Documentation Review
- Disbursement Expert
- Excellent Time Management
- SBA Construction Expert
- SBA File Auditor
- Client Relations
- Multitasking Abilities
Timeline
VP Sr. SBA Collateral Coordinator
First Bank of the Lake
11.2024 - 03.2025
VP Sr. SBA Construction Closing Coordinator
First Bank of the Lake
04.2023 - 10.2024
VP Sr. SBA Pre & Post Close Reviewer
First Bank of the Lake
05.2022 - 03.2023
VP Sr. SBA Loan Closer
First Bank of the Lake
07.2021 - 04.2022
SBA Loan Officer
KeyBank National Association
05.2018 - 06.2021
Wire Transfer Specialist
KeyBank National R
06.2014 - 05.2017
Teller
KeyBank National Association
06.2007 - 06.2014
Bachelor Of Urban And Regional Planning - Public Management
Cleveland State University
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