Gary Saunders
Atlanta,GA
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
15
15
years of professional experience
Work History
LOAN ANALYST - COMMERCIAL MORTGAGE BACKED SECURITIES (CMBS)
PNC Bank, NA
01.2022 - 09.2023
- Applies specialty product knowledge to close or administer risk syndicated and/or commercial loan transactions
- Responsible for fulfilling key fiduciary obligations associated with the Banks Agent role; validating construction due diligence requirements; and/or monitoring construction progress and draw requirements
- Reviews customized commercial, legal, and related due diligence documentation and reporting to ensure adherence to deal structures and/or regulatory compliance requirements
- Ensures the appropriate materials and documentation are available to customers, investors, capital markets loan syndications and/or commercial real estate deal teams, as well as external and internal business partners to execute transactions
- Reviews transactions and related documents, including collateral and construction requirements
- Supports work processes to ensure completeness, accuracy, and conformance to credit approvals, legal documents, established service levels and applicable procedures
- Reviews reports to identify exceptions, monitor quality and ensure compliance
- Participates in risk mitigation activities.
- Streamlined loan application procedures for enhanced client satisfaction and faster processing times.
- Improved loan approval process by conducting thorough credit analysis and risk assessments.
MORTGAGE AND CONSUMER LOAN ANALYST/TRAINER
PNC BANK
01.2017 - 01.2022
- Evaluates mortgage loan applications assessing financial stability and eligibility for loan services
- Assesses credit reports, debt-to-income ratios, and loan-to-value to assist with the approval of loans
- Reviews loan packages ensuring compliance with bank's guidelines submitting applicants to underwriting team for approval
- Reviews income information, including pay stubs, award letters, tax returns, additional items to confirm the validity of information disclosed by borrower confirming if the applicant meets the loan requirements
- Confers with borrowers and associated parties seeking clarification about documents in the loan file
- Submits loan application to underwriters for approval, and mail approval or denial letters to applicants
- Adheres to local, state, and federal guidelines regarding the handling of non-public information and loan processing
- Prepares approved loans for closing submission notifying applicants regarding the approval status
- Gathers required documentation from clients and third parties in support of the loan approval decision
- Maintains regular communication with customers, loan officers & underwriters to complete the loan process
- Calculates and assesses incomes, assets, and liabilities determining loan eligibility and in support of the loan decision process
- Trains and motivates temps and new hires, with a strong focus on optimizing productivity and performance
- Monitors and reviews active policies ensuring coverage amounts are acceptable for loans documenting changes and revisions
- Demonstrates excellent leadership abilities training and serving as a role model for new team members.
RESERVATION SALES REPRESENTATIVE
ENTERPRISE HOLDINGS(REMOTE WFH)
03.2015 - 12.2016
- Provided a quality customer service experience for customers via phone and email to customers looking to utilize rental car services
- Effectively listened to and identified customer needs to suggest vehicles and additional products and services enhance customer's travel experience
- Maintained knowledge regarding auto industry and acquired knowledge of vehicles and technology
- Followed up with customers to confirm, hear about their experience, and generate leads
- Exceeded individual and company-wide sales and customer service standards and goals
- Ensured customers had a superior rental experience by providing special service opportunities for every customer
- Created and arranged rental agreements while utilizing sales techniques, including upselling vehicles and add-ons to the customer according to their needs
- Provided general administrative assistance, including conferring with brands regarding daily listings
- Assisted branch with ensuring rentals were returned during designated return date and processed late fees on behalf of the branch
- Assisted customers with the rental process while utilizing problem-solving skills to provide an exceptional experience
- Collaborated with various branches to assist customers with vehicle exchanges, returns, and reservations.
CUSTOMER SERVICE & SOCIAL MEDIA SPECIALIST
BATH & BODY WORKS
10.2008 - 02.2015
- Established a positive customer experience for the customer by establishing relationships and resolving their needs
- Processed transactions via phone and assisted customers with returns and exchanges
- Met or exceeded individual goals and company-wide goals and objectives
- Remained current on promotional offerings and utilized sales techniques to assist with sales goals
- Generated future opportunities by discovering needs of our customers to build lasting relationships.
Education
Associate of Science - Business Administration
SINCLAIR COMMUNITY COLLEGE
Dayton, OH12.2020
Bachelor of Science - Marketing
WRIGHT STATE UNIVERSITY
Dayton, OH12.2020
Skills
- Excellent Interpersonal Skills
- Reliability & Dependability
- Prioritization & Problem Solving
- Training & Development
- Verbal & Written Communication
- Creative Thinking
- Precision & Accuracy
- Analytical
- Leadership Courage
- Negotiation
- Attention to Detail
- Delegation
- Social Media
- Excellent Presentation & Delivery
- Time Management
- Meets Deadlines
- Sales & Marketing
- Microsoft Office Applications
- Project Management
- Flexibility & Adaptability
- Customer Service
- Supervision, Oversight & Accountability
- Exceptional Multi-Tasking Ability
- Problem Solving
Timeline
LOAN ANALYST - COMMERCIAL MORTGAGE BACKED SECURITIES (CMBS)
PNC Bank, NA
01.2022 - 09.2023
MORTGAGE AND CONSUMER LOAN ANALYST/TRAINER
PNC BANK
01.2017 - 01.2022
RESERVATION SALES REPRESENTATIVE
ENTERPRISE HOLDINGS(REMOTE WFH)
03.2015 - 12.2016
CUSTOMER SERVICE & SOCIAL MEDIA SPECIALIST
BATH & BODY WORKS
10.2008 - 02.2015
Associate of Science - Business Administration
SINCLAIR COMMUNITY COLLEGE
Bachelor of Science - Marketing
WRIGHT STATE UNIVERSITY
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