Jennifer Guzman

Currently provide expert support to servicing for 7(a), 504, and Paycheck Protection Program (PPP) loans

• Process applications, conduct detailed financial analyses, and make strategic recommendations regarding loan approvals, forgiveness, and fiscal responsibility to ensure program compliance and financial integrity
• Evaluate business loan applications, delivering informed recommendations for approval or denial to maintain program standards and compliance
• Conduct in-depth financial analyses of tax returns and financial statements to assess repayment capacity and determine loan eligibility
• Facilitate training for new team members, strengthening team proficiency and operational consistency
• Support cross-functional teams on high-impact projects, enhancing organizational efficiency and collaboration
• Deliver analytical reports and executive insights to address critical inquiries and inform strategic decisions
• Maintain accurate and complete loan documentation, including justifications, recommendations, and relevant guidance to support decision-making
• Assess financial data and credit history to determine creditworthiness and fiscal reliability of borrowers

• Managed critical aspects of loan administration, including processing modifications, conducting status determinations, and preparing detailed recommendations for supervisory review
• Acted as a liaison between lenders and borrowers, ensuring seamless support for the Paycheck Protection Program (PPP) and Restaurant Revitalization Fund (RRF) initiatives
• Provided expert recommendations on business loan approvals and denials based on comprehensive financial analysis
• Assessed creditworthiness by reviewing credit histories, financial statements, and supporting documentation for individuals and businesses
• Conducted in-depth evaluations of tax returns and profit and loss statements to determine loan eligibility
• Advanced to higher-level review and hold code teams for PPP and RRF programs within one month, demonstrating exceptional expertise
• Played a pivotal role in the testing and development of the Paycheck Protection Program Forgiveness platform, ensuring operational efficiency

• Supported an experienced escrow officer’s investor team by managing contract processes, documentation, and closing requirements efficiently and professionally. Facilitated seamless investor transactions by ensuring compliance, accuracy, and timeliness.
• Coordinated investor-side contracts, reviewed earnest money, and ensured timely processing for seamless transaction outcomes.
• Researched client files, retrieved necessary documentation, and resolved discrepancies to facilitate accurate and efficient closings.
• Ordered essential documents such as payoffs, property tax certificates, MERP certificates, and lien releases to support transaction requirements.
• Maintained clear and professional communication with all stakeholders to promote collaboration and successful transactions.
• Adapted to tight deadlines and shifting priorities, achieving consistent accuracy and efficiency under time-sensitive conditions.

• Managed the complete loan processing lifecycle, including document validation, data entry, issue resolution, and compliance adherence
• Cultivated strong relationships with clients, colleagues, and third-party vendors to facilitate seamless communication and ensure the accurate and timely execution of financial transactions
• Optimized GAP policy processing by developing a custom workbook, reducing delays and automating letter generation for improved efficiency
• Designed and delivered comprehensive management reports, providing actionable insights into loan processing performance and departmental efficiency
• Successfully processed and booked over 600 loans within a condensed timeframe, demonstrating exceptional productivity and attention to detail
• Spearheaded process enhancements by analyzing operational metrics and implementing strategies to improve workflow and accuracy
• Conducted thorough credit evaluations to determine applicant eligibility for personal and auto loans, ensuring sound lending decisions

• Executed a wide range of administrative and financial responsibilities, including financial reporting, payroll management, budgeting, and order coordination, ensuring optimal operational performance and alignment with company objectives
• Designed and implemented a streamlined vendor evaluation process, optimizing operational workflows and driving cost savings
• Administered payroll, invoicing, and bookkeeping functions, ensuring adherence to company policies and regulatory requirements
• Coordinated wholesale and retail order fulfillment, ensuring precise and timely delivery in line with customer expectations
• Developed comprehensive budgets to guide operational planning and managed the procurement of necessary supplies for team support
• Supervised office and bookkeeping functions for an affiliate company, enhancing financial oversight and organizational efficiency

• Ensured the accuracy and security of cash management processes, executed customer financial transactions, and supported branch operations, contributing to overall efficiency and customer satisfaction
• Administered daily cash handling operations, ensuring precise balance and zero discrepancies in a high-volume environment
• Processed a significant portion of branch transactions, consistently ranking as a top producer
• Delivered exceptional service, resolving customer inquiries with professionalism and enhancing overall satisfaction
• Assisted in vault management, safeguarding assets and supporting branch leadership to maintain operational integrity