Janel Delfeld
Dallas,TX
Summary
Dynamic Regional Field Exam Manager at Comerica Bank with expertise in collateral evaluation and risk assessment. Proven track record in enhancing operational efficiency and compliance management. Skilled in data analysis and staff training, fostering a collaborative team environment. Recognized for implementing technology solutions that improved workflow and customer interactions.
Overview
26
26
years of professional experience
Work History
Regional Field Exam Manager
Comerica Bank
Dallas, TX
02.2022 - Current
- Oversee collateral field examinations for commercial asset-based lending borrowers.
- Supervise and develop field examiners, managing workload and performance.
- Review and issue field exam reports
- Ensure compliance with internal credit policies, regulations, and industry standards during examinations.
- Coordinate exam scheduling and scope with relationship managers, credit officers, and borrowers.
- Identify operational and reporting risks, and escalate concerns to senior management as necessary.
- Created and maintained exam templates.
- Monitor portfolio trends and emerging risks associated with collateral performance.
- Evaluate performance metrics to identify areas for process improvement within the team.
- Foster a collaborative environment by mentoring staff and promoting teamwork principles.
- Implement technology solutions to optimize workflow and improve customer interactions.
- Conduct regular meetings with staff to discuss progress and identify areas for improvement.
- Created monthly reports for senior management summarizing operational performance metrics.
- Conduct performance evaluations, providing feedback and coaching for team development.
Assistant Manager – Collateral Evaluation Group
Comerica Bank
Dallas, Texas
05.2013 - 02.2022
- Received an outstanding rating in the most recent performance review.
- Managed market activity and supervised field examiners to optimize operations.
- Handled PEGA database management for the Texas market, ensuring accurate data representation.
- Interacted with field examiners to address concerns and borrower issues effectively.
- Monitored monthly examiner billings to maintain cost-effectiveness.
- Assisted in generating and submitting monthly market reports for management review.
- Performed comprehensive reviews of internal and external exams to validate conclusions.
- Conducted meetings with business units to discuss collateral issues and provide improvement recommendations.
Professional Examiner – Collateral Evaluation Group
Comerica Bank
Dallas, Texas
06.2002 - 05.2013
- Performance of independent, high-quality field examinations of commercial asset based loans to verify the existence, valuation, and reporting of collateral for use in the credit decision process.
- Preparation of thorough audit reports and work papers, including documentation of all procedures performed, variances found, conclusions reached and related recommendations for improvement.
- Conduct specialized audits of deteriorating credits including analysis for suspected fraudulent activity.
- Timely completion and submission of examinations as defined by established market standards.
Administrative Assistant – ABL Audit Department
Comerica Bank
Dallas, Texas
01.2001 - 06.2002
- Directly assisted the ABL Audit Manager as well as dealing with all administrative functions of the audit department.
- Assisted auditors in scheduling, travel arrangements, and home office needs.
- Maintained all audit files and databases.
Credit Specialist – Middle Market Northpark
Comerica Bank
Dallas, Texas
12.1999 - 01.2001
- Generated loan RECAPs for annual and interim reviews.
- Worked on financial statement spreads, cash flow models, and other elements of the annual review process.
- Maintained credit files for all department loans.
Education
Bachelors Degree - Communication Studies
University of North Texas
Denton, Texas05.1999
Diploma -
Plano East Senior High School
Plano, Texas05.1994
Skills
- Collateral evaluation
- Field examination
- Risk assessment
- Data analysis
- Advanced Excel skills
- Verbal and written communication
- Compliance management
- Staff training
References
- Chris Reed, VP/Special Assets Officer – Comerica Bank, (410) 507-3259
- David Sims, CEO/Ten Talents Wealth Management, (972) 273-0052
Timeline
Regional Field Exam Manager
Comerica Bank
02.2022 - Current
Assistant Manager – Collateral Evaluation Group
Comerica Bank
05.2013 - 02.2022
Professional Examiner – Collateral Evaluation Group
Comerica Bank
06.2002 - 05.2013
Administrative Assistant – ABL Audit Department
Comerica Bank
01.2001 - 06.2002
Credit Specialist – Middle Market Northpark
Comerica Bank
12.1999 - 01.2001
Bachelors Degree - Communication Studies
University of North Texas
Diploma -
Plano East Senior High School