Karen Wharton Webb

I was responsible for overseeing and managing lending projects, which include the origination, processing, and closing of loans. My role involves a blend of customer relationship management, project management, financial analysis, and regulatory compliance. I work closely with various stakeholders, including borrowers, underwriters, compliance officers, and senior management, to ensure that loan projects are completed on time, within budget, and in compliance with all relevant regulations.

Key Responsibilities
Project Planning and Management:

Initiate Lending Projects: I identified and initiated new lending projects, including setting project goals, defining scope, and determining resource requirements.
Project Scheduling: I developed and maintained detailed project schedules, outlining key milestones, deadlines, and deliverables.
Resource Allocation: I allocated resources efficiently to ensure project objectives are met, including assigning tasks to team members and managing workloads.
Budget Management: I monitored and managed project budgets, ensuring costs are controlled and financial objectives are met.
Loan Origination and Processing:

Client Consultation: I met with potential borrowers to understand their financial needs and objectives, and provided guidance on loan products and services.
Loan Applications: I assist clients in completing loan applications and gathering necessary documentation for loan processing.
Credit Analysis: I conducted thorough credit analysis and risk assessment of loan applicants to determine creditworthiness.
Loan Structuring: I structured loan terms and conditions to meet the needs of both the borrower and the lending institution.
Stakeholder Management:

Client Relationship Management: I maintain strong relationships with clients, providing ongoing support and communication throughout the loan process.
Team Collaboration: I collaborate with underwriters, credit analysts, compliance officers, and other internal teams to ensure smooth project execution.
Vendor Coordination: I work with external vendors, such as appraisers and title companies, to obtain necessary services and documentation.

Regulatory Compliance:

Adherence to Regulations: I ensure all lending activities comply with federal, state, and local regulations, as well as internal policies and procedures.
Documentation and Reporting: I maintain accurate and complete loan documentation and prepare required reports for regulatory agencies and senior management.
Audit Preparation: I assist in the preparation for internal and external audits, providing necessary documentation and responding to audit findings.
Risk Management:

Risk Identification: I identify potential risks associated with lending projects and develop mitigation strategies.
Quality Assurance: I implement quality control measures to ensure the accuracy and completeness of loan documentation and processes.
Problem Resolution: I address and resolve issues or discrepancies that arise during the lending process, ensuring minimal impact on project timelines and outcomes.
Performance Monitoring and Reporting:

Project Tracking: I monitor the progress of lending projects, ensuring they stay on track and meet established goals.
Performance Metrics: I develop and track key performance indicators (KPIs) to measure the success of lending projects and identify areas for improvement.
Reporting: I prepared and presented regular project status reports to senior management, highlighting achievements, challenges, and recommendations.
Continuous Improvement:

Process Optimization: I continuously evaluated and improve lending processes to enhance efficiency, reduce costs, and improve customer satisfaction.
Training and Development: I provide training and support to team members on lending policies, procedures, and best practices.
Market Analysis: I stayed informed about market trends and changes in the lending industry to adapt strategies and maintain a competitive edge.

• Kept records accurate, detailed, and fully compliant with reporting requirements to meet state, local, and federal housing requirements.
• Compiled maintenance and repair requests for submission to the title department and reached out to local contractors for bid proposals.
• Promptly responded to tenant complaints and concerns for over 75 properties.
• Maintained current contract files as prescribed by company contract policies and procedures.
• Carefully screened tenancy applicants, pulling background investigations, credit reports, and past rental history.
• Communicated with the landlord regarding building and tenant issues.
• Maintained constant balance and accounting of property petty cash account.
• Developed annual operating budgets and forecasts, as well as sales and marketing plans.
• Audited files and reported issues requiring follow-up to the program manager.
• Generated professional networks by engaging in professional, industry, and government organizations.
• Analyzed operational information for impact on ROI, identified trends, and recommended appropriate adjustments.
• Investigated property owners and researched current mineral rights details by reviewing hardcopy and digitized records.
• Consulted with landowners to obtain mineral access rights and promote drilling operations on private land.

Selected Technology and processes

• Lead or support departmental projects or functions as determined by C-Suite Managers.
• Closely collaborated with other project members to identify and quickly address problems.
• Maintained project schedules by managing timelines and making proactive adjustments.
• Planned and arranged meetings with external organizations and individuals, enabling parties to meet and discuss project progress.
• Managed and motivated project teams to promote collaboration and keep members on-task and productive.
• Investigated and corrected or escalated project problems.
• Gathered requirements, defined scopes, allocated resources and established schedules meeting or exceeding project demands.
• Collaborated with project owners and team members to set ambitious but achievable goals.
• Analyzed projects to determine resource requirements and procured necessary equipment and software.
• Built and utilized reporting systems to keep customers and management in loop with latest information.
• Enforced alignment of project strategy with business objectives and made modifications to promote efficient project completion.

• Verified technical documentation using BBDs and CIA documentation from the as is- to be model
• Verified the TOM table and created trackers to manage timelines and resources
• Managed projects including development of costs, development of content, audio, and video recording, digitizing media, writing user interface, developing assessments, and creating web animation
• Consulted with departments to analyze business process-supporting technology needs, and documents new processes for end-user retrieval of data and/or information
• Promoted the use of technology and technology tools to support continued efficiency and improvement in departmental processes
• Coordinated data conversion with internal and customer resources.
• Met project goals on time and within budget constraints by managing implementation project activities, adhering to deployment standards and monitoring project schedules.
• Integrated Plex, SAP, Oracle, Microsoft Dynamics and other ERP systems to connect with applications and data sources.
• Delivered individualization by working with clients to gather business requirements.
• Assisted customers with assessing and defining key business processes, policies and procedures.
• Implemented new ERP systems based on accounting requirements and user needs, assisting with system builds, testing and deliverables.
• Enhanced project management skills by defining and presenting system solutions and timelines for business needs or technical problems.
• Offered input for complex documents to support client-ready final versions.
• Oversaw document development across project workstreams to create internal control statements per compliance and regulatory standards.

• Designed new projects with timelines, budgets and scope of work plans.
• Introduced new systems of organization to streamline company changes.
• Directed major client engagements and monitored asset managements
• Maintained open communication by presenting regular updates on project status to customers.
• Scheduled and facilitated meetings between project stakeholders to discuss deliverables, schedules and conflicts.
• Tracked project and team member performance closely to quickly intervene in mistakes or delays.
• Reported regularly to managers on project budget, progress and technical problems.
• Built successful project plans covering objectives, resources and staffing to meet schedules.
• Recruited and oversaw personnel to achieve performance and quality targets.
• Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
• Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
• Obtained needed resources by strategically negotiating with stakeholders and outside suppliers.
• Verified quality of deliverables and conformance to specifications before submitting to clients.
• Adhered to budget requirements with excellent planning and consistent expense monitoring.
• Sourced, vetted and managed vendors needed to accomplish project goals.
• Maintained project schedules by managing timelines and making proactive adjustments.
• Planned and arranged meetings with external organizations and individuals, enabling parties to meet and discuss project progress.
• Gathered and disseminated project materials at key points to stakeholders.

• Identified plans and resources required to meet project goals and objectives.
• Managed projects from procurement to commission.
• Developed and initiated projects, managed costs, and monitored performance.
• Achieved project deadlines by coordinating with contractors to manage performance.
• Orchestrated projects within strict timeframes and budget constraints by solving complex problems and working closely with senior leaders.
• Modified and directed project plans to meet organizational needs.
• Oversaw high profile projects for by planning, designing, and scheduling phases.
• Fostered relationships with vendors to promote positive working relationships.
• Provided accurate, detailed quantity take-offs from project drawings and technical specifications.
• Eliminated discrepancies in progress by reviewing performance, spend and timeline.
• Reduced expenditures by effectively negotiating vendor and service contracts to drive savings.
• Maintained open communication by presenting regular updates on project status to customers.
• Tracked project and team member performance closely to quickly intervene in mistakes or delays.
• Scheduled and facilitated meetings between project stakeholders to discuss deliverables, schedules and conflicts.
• Built successful project plans covering objectives, resources and staffing to meet schedules.
• Adhered to budget requirements with excellent planning and consistent expense monitoring.
• Verified quality of deliverables and conformance to specifications before submitting to clients.
• Obtained needed resources by strategically negotiating with stakeholders and outside suppliers.

• Maintained updated directory of qualified manufacturers, suppliers and distribution channels.
• Collaborated with internal creative team on marketing, advertising and social media campaigns.
• Managed large-scale product introduction that involved15 regions and 5 retail stores.
• Performed consistent market analyses to identify unmet consumer needs, and sourced products to meet those needs.
• Directed multifaceted marketing program that included strategy development, campaign creation and results monitoring components.
• Identified underperforming products, and developed multichannel plan to improve sales over previous Timeframes.
• Exhibited high-level knowledge of retail manufacturing and distribution practices and channels.
• Demonstrated expert-level functionality with spreadsheets and SAP financial analysis program.
• Built relationships with customers and community to establish long-term business growth.
• Collaborated with upper management to implement continuous improvements and exceed team goals.
• Managed accounts to retain existing relationships and grow share of business.
• Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
• Increased profits through providing excellent customer service, following established guidelines and auditing sales reports.
• Encouraged cross-selling of additional products and services through relationship-building and acquired understanding of customer business needs.
• Built deep relationships with store managers, business owners and distribution partner sales teams by employing industry expertise and knowledge, retail strategies and sales tactics.
• Communicated progress of monthly and quarterly initiatives to internal and external sales teams.
• Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
• Capitalized on customer up-sell opportunities resulting in 12% increased revenues.

• Identified plans and resources required to meet project goals and objectives.
• Managed projects from procurement to commission.
• Developed and initiated projects, managed costs, and monitored performance.
• Achieved project deadlines by coordinating with contractors to manage performance.
• Orchestrated projects within strict timeframes and budget constraints by solving complex problems and working closely with senior leaders.
• Oversaw high profile projects for by planning, designing, and scheduling phases.
• Fostered relationships with vendors to promote positive working relationships.
• Eliminated discrepancies in progress by reviewing performance, spend and timeline.
• Boosted revenues by coordinating and executing projects and growing inventory diversity.
• Tracked project and team member performance closely to quickly intervene in mistakes or delays.
• Reported regularly to managers on project budget, progress and technical problems.
• Obtained needed resources by strategically negotiating with stakeholders and outside suppliers.
• Verified quality of deliverables and conformance to specifications before submitting to clients.

• Identified plans and resources required to meet project goals and objectives.
• Managed projects from procurement to commission.
• Closely collaborated with project members to identify and quickly address problems.
• Maintained project schedules by managing timelines and making proactive adjustments.
• Planned and arranged meetings with external organizations and individuals, enabling parties to meet and discuss project progress.
• Gathered requirements, defined scopes, allocated resources and established schedules meeting or exceeding project demands.
• Collaborated with project owners and team members to set ambitious but achievable goals.
• Identified innovative and automated approaches to routine tasks, making suggestions that were widely received.
• Analyzed projects to determine resource requirements and procured necessary equipment and software.
• Built and utilized reporting systems to keep customers and management in loop with latest information.
• Enforced alignment of project strategy with business objectives and made modifications to promote efficient project completion.
• Created clones, images, templates, snapshots, resource allocation, resource pools and system monitoring by applying subject matter expertise of VMS file system.
• Managed program and provider separations during corporate split.

• Adhered to established security procedures and reported potential fraud or safety violations to management for immediate recourse.
• Enhanced operational risk application to capture regulatory findings from agencies such as SEC and OCC.
• Remedied gaps in financial planning based on client needs and suitability.
• Collaborated with compliance department to eliminate procedural errors and margin breaks.
• Recommended strategies for clients regarding investment planning, insurance coverage and cash management.
• Analyzed customer profiles to identify appropriate products and provide value-added approaches to client issues.
• Actively worked to build branch credibility and develop relationships to increase community and industry visibility and overall profitability.
• Investigated and resolved account issues by offering applicable options to customers.
• Collected cash and checks for deposit or processed withdrawals by examining checks for endorsements, verifying amounts, inputting into computer systems and printing receipts.
• Counted currency, coins and checks in cash drawer, night depository and ATM.
• Formalized risk assessment models and developed standards for trend analysis for corporate use.
• Worked with diverse product development teams to create software for qualitative structured solutions to validate and model emerging markets.

• Maintained project schedules by managing timelines and making proactive adjustments.
• Planned and arranged meetings with external organizations and individuals, enabling parties to meet and discuss project progress.
• Closely collaborated with project members to identify and quickly address problems.
• Analyzed projects to determine resource requirements and procured necessary equipment and software.
• Enforced alignment of project strategy with business objectives and made modifications to promote efficient project completion.
• Gathered and disseminated project materials at key points to stakeholders.
• Reduced costs $[Amount] by negotiating [Type] agreements strategically.
• Managed program and provider separations during corporate split.

• Identified plans and resources required to meet project goals and objectives.
• Managed projects from procurement to commission.
• Developed and initiated projects, managed costs, and monitored performance.
• Achieved project deadlines by coordinating with contractors to manage performance.
• Orchestrated projects within strict timeframes and budget constraints by solving complex problems and working closely with senior leaders.
• Oversaw high profile projects for by planning, designing, and scheduling phases.
• Updated operational methods, oversaw accounting procedures, tracked information and compiled data to improve efficiency.
• Eliminated discrepancies in progress by reviewing performance, spend and timeline.
• Scheduled and facilitated meetings between project stakeholders to discuss deliverables, schedules and conflicts.
• Adhered to budget requirements with excellent planning and consistent expense monitoring.
• Recruited and oversaw personnel to achieve performance and quality targets.

• Identified plans and resources required to meet project goals and objectives.
• Managed projects from procurement to commission.
• Developed and initiated projects, managed costs, and monitored performance.
• Achieved project deadlines by coordinating with contractors to manage performance.
• Drove team success through shared vision and recognition of quality performance.
• Identified, reviewed and applied policies and procedures.

• Conducted orientation sessions and organized on-the-job training for new hires.
• Trained new hires to perform cross-training exercises with experienced workers.
• Communicated all learning and performance objectives, schedules and training assessments to upper management.
• Led daily, weekly and monthly coaching, counseling and feedback sessions.
• Evaluated success of training programs and recommended improvements to upper management to enhance effectiveness.
• Alternated training methods to diversify instruction, strengthen learning opportunities and enhance program success.
• Organized and edited training manuals, multimedia visual aids and other educational materials.
• Streamlined HR efficiencies, coordinated new hire orientations and provided onboarding and training for 40 new employees.
• Analyzed effectiveness of training programs at all levels and recommended updates.

• Conducted orientation sessions and organized on-the-job training for new hires.
• Trained new hires to perform cross-training exercises with experienced workers.
• Alternated training methods to diversify instruction, strengthen learning opportunities and enhance program success.
• Organized and edited training manuals, multimedia visual aids and other educational materials.
• Reviewed and edited all training materials for accuracy and company policy compliance.
• Evaluated success of training programs and recommended improvements to upper management to enhance effectiveness.
• Directed training programs and development paths for managers and supervisors.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Recruited, trained and mentored new instructors.
• Chaired staff and monthly management meetings, communicating current progress towards training goals to staff and senior management.
• Oversaw day-to-day functions of training department.

• Solved functional and technical obstacles and worked closely with project team from different streams.
• Designed deployment automation solutions to expedite implementation of SAP solutions.
• Multitasked and managed multiple deliverables and projects concurrently and facilitated use of SAP for enterprise resource planning.
• Architected SAP solutions by prioritizing simplicity, appropriate scale, resiliency and maintainability.
• Traveled to client locations to implement SAP solutions and offered post-installation support services.
• Built and utilized reporting systems to keep customers and management in loop with latest information.
• Collaborated with project owners and team members to set ambitious but achievable goals.
• Gathered requirements, defined scopes, allocated resources and established schedules meeting or exceeding project demands.
• Investigated and corrected or escalated project problems.

• Spearheaded design process to align with client specifications and budget.
• Created materials and designs in [Software] for use in client presentations and communications.
• Researched design trends, technology and processes and directed work of design team .
• Chaired design team meetings and issued action items.
• Appointed design consultants and encouraged performance pursuant to deed and scope of service.
• Partnered with senior leaders to drive change by evaluating methodologies, tools and templates at enterprise level.
• Maintained positive customer relations by addressing problems head-on and implementing successful corrective actions.
• Established team priorities, maintained schedules and monitored performance.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Arranged meeting spaces and supporting materials for each class.
• Developed and implemented lesson plans and teaching aids such as reference materials and videos.
• Partnered with instructors to consistently increase annual graduation rate.
• Hired, trained and oriented new instructors over for long-term success.
• Designed new assessment system used to evaluate instructors and automate performance reporting.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Provided virtual training and online presentations.
• Partnered with instructors to consistently increase annual graduation rate.
• Oversaw day-to-day functions of training department.

• Evaluated success of training programs and recommended improvements to upper management to enhance effectiveness.
• Defined and articulated goal learning outcomes, performance metrics and changes to improve student learning.
• Coordinated logistics of and delivering training to up to 14 personnel.
• Recorded videos and wrote instructions to facilitate online and remote training programs.
• Gathered data about course success and participant experiences to help with future course planning.
• Consulted with organization management to assess needs and plan improvements.
• Created reports and provided administrative support of training systems and databases such as Oracle, Relias and SharePoint.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Recruited, trained and mentored new instructors.
• Provided in-house training to new employees concerning maintenance of standardized training approaches.
• Managed training center and developed curriculum and training for technical, officer and helicopter training.
• Supervised naval officer instructors and oversaw daily functions of training department.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Designed new assessment system used to evaluate instructors and automate performance reporting.
• Created curriculum for technical and helicopter training for officers and managed overall training center.
• Provided in-house training to new employees concerning maintenance of standardized training approaches.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Partnered with instructors to consistently increase annual graduation rate.
• Lead special seminars for different types of employees.
• Arranged testing employees, supervising all planning and logistics.

• Mentored new hires, resulting in stronger staff development and increased productivity.
• Monitored participant workflow and behaviors throughout training process.
• Scheduled and taught in class and online courses to increase learning opportunities.
• Performed continuous evaluations of content and plans in order to enhance delivery and improve effectiveness.
• Eliminated process gaps by implementing new methods of standardized training.
• Recorded and edited videos for use in later courses or by remote learners.

• Evaluated training needs to improve training quality.
• Developed and improved training courses to increase staff performance and overall training effectiveness.
• Coordinated training for new hires to impart information about company policies, requirements and performance strategies.
• Assessed staff performance and training effectiveness, capitalizing on opportunities to develop new training programs and improve existing courses.
• Analyzed training, student outcomes and course delivery metrics to produce reports for senior management.