
Seasoned banking and financial services professional with over 20 years of experience specializing in compliance, reporting, consumer underwriting, mortgage loan processing and customer service. Demonstrated expertise in utilizing Excel and PowerPoint to deliver detailed financial reports and presentations. Adept at ensuring regulatory compliance while effectively managing risk and supporting consumer lending operations. Known for a strong analytical mindset, attention to detail, and a commitment to upholding industry standards.
• Responsible for development, implementation, and execution of preventable controls
• Coordinate audits conducted within bank operations by internal auditors along with Federal and State regulators
• Development of remediation plans within established timelines of audit findings
• Partner with bank operations manager and business unit managers to identify and address all areas requiring improvement in advance of formal audits
• Develop Quality Control monitor processes and perform monitors monthly, quarterly, and annually to ensure controls in place are being followed
• Managed project deadlines effectively, coordinating team efforts to ensure timely completion of tasks.
• Streamlined workflow by identifying bottlenecks and developing solutions to increase efficiency in daily operations.
• Completion of ABA training certifications: Mortgage Lending for Compliance Professionals, Lending Compliance Loan Concepts for Compliance Professionals, Deposit Compliance for Compliance Professionals
• Understanding of UDAAP, Regulation Z, Regulation C, Regulation DD, SCRA/MLA, RESPA, TILA, Sarbanes-Oxley and TRID requirements.
• Baker Hill B2C Origination Platform
• Developed strategies to manage risks associated with specific industries or geographic locations, ensuring balanced portfolios across various segments.
• Improved loan approval rates by meticulously analyzing credit data and financial statements.
• Continuously improved personal productivity through ongoing training sessions and staying updated on industry best practices.
• Analyze and issue credit decisions for private banking and
consumer requests including Investor Mortgage, HELOC, Auto, Boat/ATV, Secured and Unsecured LOC and Installment loans
• Responsible for examining the loan application and all supporting documentation, assessing the DTI calculations, making necessary debt/income adjustments, and rendering a decision
• Review real estate evaluations to ensure they meet the Bank and regulatory requirements
• Underwrite an average of 275 loans per month.
• Executive Administrative Assistant to the Chief Credit Officer
• Generate and analyze monthly risk metrics presented in a
PowerPoint presentation including imbedded charts and graphs
• Provide assistance and guidance to Federal Regulators and external auditors regarding documentation requests and data analytics
• Update or develop procedures to remediate audit findings
• Assist attorneys with judgments, foreclosures, and forbearance agreements in a Special Assets support capacity
• Maintained confidentiality of sensitive information by adhering to strict privacy policies and implementing secure filing systems.
• Supported executive staff through scheduling meetings,
coordinating travel arrangements, and preparing crucial
documents.
• Support relationship managers and loan documentation specialists in preparing loan documents, processing loan advances and final closing of Healthcare, C&I and Private Banking loans.
• Monitor and collect financial exceptions from existing customers as well as past due loan payments
• Responded to all client inquiries including deposit and loan
accounts along with submission of wires in accordance with bank policies.
Active participant in a team raising over $110,000 in the last 9 years.
Cub Scout pack 1322 Middle Tennessee Council
Den Leader, Training Chairperson, Leadership Committee member, Popcorn Committee
Additional training through University of Scouting including CPR and First Aid