Joann Bavusa
Harleysville,PA
Summary
Detail-oriented commercial lending professional with over 20 years of experience in SBA documentation, pre-closing, funding, due diligence, title coordination, and regulatory compliance. Proven ability to manage complex loan transactions from approval to funding while fostering collaboration among underwriting, credit, legal counsel, and operations teams to ensure seamless processes. Recognized for exceptional accuracy and organizational skills, consistently handling high-volume pipelines in fast-paced banking environments while upholding a commitment to excellence and compliance. Proactive problem-solver with a strong focus on client satisfaction, contributing significantly to achieving organizational goals.
Overview
22
22
years of professional experience
Work History
Loan Operations Specialist | Pre-Closing
First Resource Bank
07.2025 - 02.2026
- Prepared commercial and consumer loan documentation packages for closing
- Coordinated pre-closing process with title companies through post-closing delivery to Loan Operations
- Managed appraisal ordering, review, tracking, and vendor compliance (licenses/insurance)
- Ordered and reviewed UCC searches, environmental reports, real estate searches, credit reports, and OFAC checks
- Assisted Lending and Credit teams with monthly maturity reporting, renewals, and temporary extensions
- Reviewed loan applications for accuracy and compliance with regulatory standards.
SBA Commercial Loan Closing Specialist
Univest Financial Corporation
01.2024 - 07.2025
- Coordinated SBA loan documentation with external attorneys and internal documentation teams
- Collected and reviewed borrower/guarantor due diligence including public records, environmental reports, and valuations
- Managed insurance compliance (life insurance assignments, commercial/homeowner endorsements) per SBA and Bank policy
- Reviewed leases and secured SBA-compliant Landlord Waivers
- Maintained detailed closing checklists ensuring all Commitment Letter conditions were satisfied
- Partnered with Loan Boarding, Funding, BSA/Risk, Credit Support, Underwriting, and Bank Counsel to secure “Clear to Close”
- Finalized equity injection documentation with SBA Underwriting
- Coordinated loan disbursement details with SBA Operations
- Secured final executed loan packages and delivered completed files to Relationship Managers
Handywoman / Owner
Miss Mend It LLC
07.2023 - 07.2024
- Founded and registered business entity
- Managed marketing, client acquisition, insurance, and website creation
- Performed residential repair and improvement services
Commercial Lending Specialist
Customers Bank
03.2022 - 12.2022
- Reviewed organizational documents, title work, and insurance for commercial loans
- Documented commercial mortgages, lines of credit, and term loans
- Boarded completed loans and coordinated funding disbursements
- Ordered and reviewed UCC searches
Escrow Assistant (Remote)
First American Title Insurance Company
04.2021 - 04.2022
- Assisted in escrow process and title issue resolution
- Coordinated with borrowers, lenders, tax collectors, and utility companies
- Facilitated closing preparation and compliance review
Funding Specialist
Avenue 365 Lender Services
03.2015 - 10.2019
- Funded Conventional, FHA, VA, and Non-Prime loans
- Created and released wires for payoffs and proceeds
- Reconciled escrow accounts
- Reviewed signed loan documents for accuracy and compliance
- Coordinated with lenders, borrowers, and post-closing teams
Commercial Loan Specialist II
TD Bank, N.A.
01.2004 - 01.2012
- Facilitated commercial and construction loan closings
- Coordinated due diligence with lenders, customers, and attorneys
- Ordered appraisals, title, insurance, and corporate documentation
- Specialized in LaserPro and Medici documentation systems
- Funded loans and processed fees through internal systems
Education
Associate Degree - Management/Marketing
Community College of Pennsylvania
Skills
- Sba and Commercial Loan Documentation
- Closing process management
- Insurance documentation review
- UCC and records investigation
- Appraisal process coordination
- Financial transaction oversight
- LaserPro Medici Loan Boarding Systems
- Strong attention to detail
- Loan closing expertise
- Skilled in Microsoft Office Suite
- Risk assessment
- Loan closing procedures
Timeline
Loan Operations Specialist | Pre-Closing
First Resource Bank
07.2025 - 02.2026
SBA Commercial Loan Closing Specialist
Univest Financial Corporation
01.2024 - 07.2025
Handywoman / Owner
Miss Mend It LLC
07.2023 - 07.2024
Commercial Lending Specialist
Customers Bank
03.2022 - 12.2022
Escrow Assistant (Remote)
First American Title Insurance Company
04.2021 - 04.2022
Funding Specialist
Avenue 365 Lender Services
03.2015 - 10.2019
Commercial Loan Specialist II
TD Bank, N.A.
01.2004 - 01.2012
Associate Degree - Management/Marketing
Community College of Pennsylvania