Justine Dennis
Portland,OR
Summary
Experienced portfolio manager with excellent client and project management skills. Action-oriented to communicate effectively with technology, executive and business audiences.
Overview
16
16
years of professional experience
Work History
Portfolio Manager
Riverview Bank
04.2021 - Current
- Manages portfolio size of $100MM+ and 90 associations
- Works with prospects and existing clients to collect all necessary information for new or modification of loans
- Underwrites credit memorandums and annual loan reviews for Loan Officer
- Performs annual site inspections for existing portfolio
- Monitors loans draws with monthly inspections, disbursements and completes construction project status reports
- Monitors draw periods for loans in construction and verifies with Property Manager the status to determine the best solution for projects with any delays
- Collects serial assessment to verify the association revenue is in line with loan payments.
- Collects information needed and gathers signatures for clients to open deposit accounts along with any maintenance needed
- Collects and reviews all ongoing financials and reporting covenants as required on Business Loan Agreement
- Organize and prioritize work to fulfill responsibilities in a professional, timely, efficient manner and verify everything is following bank policies
Commercial Team Assistant
Riverview Bank
04.2018 - 04.2021
- Provided assistance to five Commercial Loan Officers and four Portfolio Managers by completing a variety of administrative support functions to contribute with efficient and effective processing of loans
- Reviewed Credit Memorandums prior to Credit Administration approval for consistency and processor data factors such as collateral, financial covenant/reportings to ensure loan servicing is able to produce documents without error
- Obtained necessary information such as business entity documentation, UCC searches, insurance, preliminary title reports, appraisals, environmental and flood hazard determinations
- Organized and prioritized work to fulfill responsibilities in a professional, timely, efficient manner and verified all are in compliance with bank policies
Commercial Loan Document Processor
Riverview Bank
09.2017 - 04.2018
- Produced new loan documents, loan modifications/renewals and participation agreements using LaserPro loan documentation software in accordance with written loan approval for commercial loans in Oregon and Washington State.
- Organized and prioritized work to fulfill responsibilities in a professional, timely, efficient manner and verify all are in compliance with bank policies
- Reviewed loan documents for accuracy as well as uniformity and neatness
- Worked directly with Loan Officers, Portfolio Managers, Credit Administration, Escrow/Title companies, Compliance and Legal departments to coordinate closings, calculate closing costs and disperse funds while complying with procedures
Commercial Banking Representative
First Interstate Bank
12.2015 - 09.2017
- Provided assistance to six Commercial Loan Officers by completing variety of administrative support functions to contribute with efficient and effective processing of loans
- Obtained necessary information to process applications and order loan documents, such as business documentation, UCC searches, preliminary title reports, appraisals and flood hazard determinations
- Verified loan documentation was in accordance with loan approval conditions
- Processed billings for services to accounts payable and reconciled third party billings for loan transactions
- Monitored construction loan draws with monthly inspections, disbursements, retention, and lien releases.
Loan Documentation Specialist
Pacific Western Bank
08.2012 - 12.2015
- Produced new loan documents, loan modifications, and participation agreements using LaserPro loan documentation software in accordance with written loan approval for commercial and consumer loans
- Organized and prioritized work to fulfill responsibilities in a professional, timely and efficient manner to verify everything is in compliance with bank policies
- Reviewed loan documents for accuracy as well as uniformity and neatness
- Worked directly with loan officers, loan assistants, credit administration, compliance and legal departments to coordinate closings, calculate closing costs and disperse funds while complying with procedures.
Loan Specialist
California Bank & Trust, a division of Zions Bancorp
11.2010 - 08.2012
- Assisted Lenders with current and prospective client's financial needs
- Communicated via email and phone to clients regarding loan declines, approvals, obtained necessary documentation and provided loan status updates to clients
- Processed applications for review by Credit Administration and obtained documents necessary for the credit decision, review supporting documentation to determine completeness of file, complete data entry and system information as required
- Resolved discrepancies and problems to ensure quality customer service in a timely accurate and professional manner according to bank policy, regulatory compliance guidelines and legal requirements
- Proactively followed up on all loans in Loan Specialist pipeline and monitored turnaround time goals on specific tasks assigned
- Provided excellent customer service by assisting clients with opening accounts best suiting their financial needs.
Loan Processor
Zions Bancorporation
04.2008 - 11.2010
- Assisted branch Loan Officers and Assistants with non-real estate loans in five national affiliated banks within the Bancorp
- Communicated via email and phone to internal bank employees regarding loan declines, approvals, obtained necessary documentation and provided loan status updates
- Resolved discrepancies or problems to ensure quality customer service in a timely accurate and professional manner according to bank policy, regulatory compliance guidelines and legal requirements within the state each loan was closing in
- Processed an average of 140 files per month and won 'Employee of the month' six times
- Awarded 'Employee of the year' for my department in 2009.
Education
Hospitality Administration/Management -
MiraCosta College
San Diego01.2015
Skills
- Project management skills
- Client Relationship Management
- Client Interfacing
- Strong attention to detail
- Critical Thinking
- Creative and Adaptable
Timeline
Portfolio Manager
Riverview Bank
04.2021 - Current
Commercial Team Assistant
Riverview Bank
04.2018 - 04.2021
Commercial Loan Document Processor
Riverview Bank
09.2017 - 04.2018
Commercial Banking Representative
First Interstate Bank
12.2015 - 09.2017
Loan Documentation Specialist
Pacific Western Bank
08.2012 - 12.2015
Loan Specialist
California Bank & Trust, a division of Zions Bancorp
11.2010 - 08.2012
Loan Processor
Zions Bancorporation
04.2008 - 11.2010
Hospitality Administration/Management -
MiraCosta College
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