Summary
Overview
Work History
Education
Skills
Timeline
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FRANCES M. DELSENI

The Villages,FL

Summary

To leverage over 40 years of experience in loan operations, credit review, underwriting, and collateral management to contribute effectively to a dynamic organization.

Senior Collateral Review Analyst at Federal Home Loan Bank of Seattle/Des Moines with expertise in ensuring accurate reporting and compliance of loan collateral. Over 40 years of comprehensive experience in loan operations management, underwriting, and credit review. Proven ability to develop and implement procedures and controls to ensure regulatory compliance and operational efficiency. Proficient in document preparation, accounting, and reporting for a wide range of loan types including commercial, consumer, and residential. Strong analytical and organizational skills with a solid background in reviewing financial statements and documentation. Effective communicator with a track record of collaborating with members, regulators, and internal teams to enhance loan processes and compliance.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

2026
2026
years of professional experience

Work History

Various Banking Institutions

  • Progressed through roles including Teller, Compliance Officer, Loan Review Officer, and Manager of Credit Department

Senior Collateral Review Analyst

Federal Home Loan Bank of Seattle/Des Moines
08.2013 - 02.2025
  • Validate loan balances reported by members to ensure they represent eligible collateral in line with regulatory and policy requirements
  • Approve or recommend adjustments to reported balances to align with member borrowing capacities and collateral eligibility
  • Develop and implement procedures and reporting systems to monitor and verify eligible collateral efficiently
  • Conduct reviews of member-passed loan portfolios, including multifamily, residential, and commercial loans, to ensure accuracy and risk mitigation
  • Serve as a key liaison for collateral reporting and compliance, providing guidance to members and Seattle Bank associates on collateral policies and procedures

Loan Assistant Supervisor

Rocky Mountain Bank
10.2012 - 07.2013
  • Managed and supervised a team of eight loan assistants, ensuring accurate and compliant loan processing
  • Led training and development efforts for loan assistants on systems and procedures related to commercial, multifamily, and residential loans
  • Implemented and maintained collateral review procedures to meet regulatory and internal policy standards
  • Provided ongoing support and education to enhance the effectiveness of the loan processing team

Vice President and Credit Administrator

First National Bank of Florida
07.1991 - 04.2012
  • Collaborated with auditors, examiners, and compliance partners to ensure adherence to policies, procedures, and regulations
  • Developed and maintained departmental policies, procedures, and compliance reports for the Board of Directors
  • Supervised loan underwriting, documentation review, and credit analysis functions, including non-accrual, charge-off, and OREO loans
  • As SVP, managed loan operations, ensuring compliance with internal policies and regulatory requirements

Education

Compliance Diploma -

National Graduate Compliance School
Norman, OK

Completed various financial courses including Accounting I & II and Analyzing Financial Statements

Pensacola State College
Pensacola, FL

Foundations of Banking Diploma - Loan Review I and II

American Institute of Banking

Skills

  • Loan Operations Management
  • Underwriting and Credit Review
  • Collateral Management and Compliance
  • Financial Analysis and Reporting
  • Team Leadership and Training
  • Regulatory Liaison and Communication
  • Teamwork and collaboration
  • Customer service
  • Problem-solving
  • Time management
  • Attention to detail
  • Dependable and responsible
  • Multitasking
  • Excellent communication
  • Critical thinking
  • Computer skills
  • Organizational skills
  • Calm under pressure
  • Organization and time management
  • Decision-making

Timeline

Senior Collateral Review Analyst

Federal Home Loan Bank of Seattle/Des Moines
08.2013 - 02.2025

Loan Assistant Supervisor

Rocky Mountain Bank
10.2012 - 07.2013

Vice President and Credit Administrator

First National Bank of Florida
07.1991 - 04.2012

Completed various financial courses including Accounting I & II and Analyzing Financial Statements

Pensacola State College

Foundations of Banking Diploma - Loan Review I and II

American Institute of Banking

Various Banking Institutions

Compliance Diploma -

National Graduate Compliance School
FRANCES M. DELSENI