Kari Howard
Land O Lakes
Summary
Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment, and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills.
Overview
23
23
years of professional experience
Work History
SBA Closer III
First Internet Bank
07.2024 - 02.2025
- Review approved Credit Approval Document
- Interact with the underwriters, attorneys, referral partners, and other 3rd party vendors to ensure all conditions are met for closing
- Prepare necessary lien perfection documents to protect the Bank’s security interest in pledged collateral
- Request and review all loan documentation from Bank Counsel
- Remain current on all pending and proposed regulatory changes affecting compliance and SOP with SBA
- Provide a high level of customer service to both internal and external customers
GGL Packager/Closer (7a and 504 Loans)
Ameris Bank
08.2022 - 07.2024
- Review approved Credit Approval Document
- Request SBA Terms & Conditions through eTran or other means
- Coordinate with Borrower to collect documents for closing
- Submit CAIVRS, SAM, SBA Form 8821 for tax verification
- Work closely with the attorney during closing process
- Interact with Underwriters, referral partners, borrowers, and attorneys to ensure all conditions are met for closing
- Review title policies, purchase contracts, entity documents to ensure Bank and SBA requirements have been met
- Work on special projects for the department
- Maintain working knowledge of SBA SOP
SBA Core Closer (7a and 504 Loans)
BayFirst Bank (First Home Bank)
06.2021 - 08.2022
- Review approved Credit Approval Document
- Request SBA Terms & Conditions through eTran or other means
- Coordinate with Borrower to collect documents for closing
- Submit CAIVRS, SAM, SBA Form 8821 for tax verification
- Work closely with the attorney during closing process
- Assist in identifying and clearing any exceptions
- Interact with Underwriters, referral partners, borrowers, and attorneys to ensure all conditions are met for closing
- Review title policies, purchase contracts, entity documents to ensure Bank and SBA requirements have been met
- Maintain working knowledge of SBA SOP
Closing Specialist Business Lending
Achieva Credit Union
11.2019 - 06.2021
- Prepare Small Business Loan Documents using Laser Pro
- Work with the lender and borrower to clear items to close
- Book closed loans using Steller
- Process loan payments and balance department daily
- Process SBA application into SBAOne or ETran
- Work with Third Party Vendors requesting Appraisals, Environmental, Flood and Title Work
- Work with the CDC to process and close SBA 504 loans
- Submit CAIVRS, SBA Form 4506-T for verification
- Work on clearing technical exceptions
- Work on special projects for the department
SBA USDA Closing Processor II
Centennial Bank
04.2018 - 11.2019
- Process SBA application into SBAOne or ETran
- Work with Borrower to collect documents for closing
- Submit CAIVRS, SBA Form 4506-T for verification
- Work closely with the attorney during closing process
- Prepare packages for booking and sale to secondary market
- Assist department manager by screening calls, managing calendar, and making meeting arrangements
- Work on clearing technical exceptions
- Work on special projects for the department
SBA Lending Assistant
First Citrus Bank
11.2016 - 04.2018
- Process SBA application into SBAOne or ETran
- Work with Borrower to collect documents for closing
- Submit CAIVRS, SBA Form 4506-T for verification
- Work closely with the attorney during closing process
- Prepare packages for booking and sale to secondary market
- Assist department manager by screening calls, managing calendar, and making meeting arrangements
- Work on clearing technical exceptions
- Work on special projects for the department
Sr. Business Banking Lending Assistant
Synovus Bank
08.2013 - 11.2016
- Support three business banking lenders regarding loan closing, portfolio management and assisting loan customers
- Assist department manager by screening calls, managing calendar, and making meeting arrangements
- Pull weekly and monthly department reports
- Work on clearing technical exceptions
- Work on special projects for the department
Special Asset Administrator
Synovus Bank
10.2012 - 08.2013
- Manage day to day delinquent consumer and commercial loans for the state of Florida
- Work as liaison between Synovus Bank and the attorneys managing case files from referral to post judgment
- Process delinquent tax payments
- Communicate potential loan workouts with clients
- Provide the attorneys with the required information to issue demand letters and start foreclosure proceedings
- Help lenders resolve any issues that arises from a delinquent loan, be it coordination of collections on consumer debt, small business debt with Business Banking, assistance with payment posting problems or research that would resolve a delinquency issue, and assignment of a loan to Special Assets and/or Legal Action
- Manage bank owned real estate
Commercial Lending Assistant
Synovus Bank
06.2011 - 10.2012
- Assist Commercial Lenders with processing commercial loans
- Provide customer service to new and existing clients
- Work on clearing technical exceptions
- Work on special project for the lending department
Foreclosure Paralegal
Jones, Walker, Waechter, Poitevent, Carrere & Denegre LLP
10.2010 - 06.2011
- Work as liaison between the client and the firm managing case files from Final Judgment to Post foreclosure sale
- Preparation of motions, certificates of sale, certificate of title
- Submission and review of proof of publications
- Ensure all documentation has been filed in preparation of the foreclosure sale
- Review legal documents for accuracy prior to filing
- Interact with Officers of the Court when necessary
- Drafting of letters and documents
- Assist attorney with a variety of functions
Centralized Asset Management- Collection Specialist II
BB&T (formerly Colonial Bank)
08.2010 - 09.2010
- Work as liaison between BB&T and the attorneys managing case files from referral to post judgment
- Package required loan documents for shipment to attorneys
- Process delinquent tax payments
- Communicate potential loan workouts with clients
Credit Administration- Collections/Reports
BB&T (formerly Colonial Bank)
05.2006 - 08.2010
- Manage day to day delinquent consumer and commercial loans for the state of Florida
- Work as the liaison between loan officers and Centralized Collections, Special Assets and Business Banking when it comes to managing delinquency issues
- Provide the attorneys with the required information to issue demand letters and start foreclosure proceedings
- Help lenders resolve any issues that arises from a delinquent loan, be it coordination of collections on consumer debt with Centralized Collections, coordination of collections on small business debt with Business Banking, assistance with payment posting problems or research that would resolve a delinquency issue, and assignment of a loan to Special Assets and/or Legal Action
- Coordinate weekly conference calls with commercial banking to determine past due loan problem
- Supervise team member to ensure that reports are being completed in a timely manner
Residential Lending Assistant
BB&T (formerly Colonial Bank)
06.2005 - 05.2006
- Process residential loan applications ensuring accuracy, quality, and timeliness
- Communicate all aspects of the loan process with the consumer and coordinated loans from inception to closing
- Ordered appraisals and title policies
- Work on clearing technical errors
Assistant Branch Manager
BB&T (formerly Colonial Bank)
04.2002 - 06.2005
- Assisted in managing sales and service for a $200MM downtown office
- Helped increase deposit growth from $90MM to $150MM
- Managed the opening of new accounts for customers
- Referred additional services that would benefit the customer
- Worked with loan officers to open new accounts for business customers
- Managed wires, deposits, safe deposit box and general maintenance on customer accounts
- Responsible for the smooth, effective, and timely operation of all bank activities
- Accepted loan applications for residential mortgages and consumer loans
- Managed branch personnel which included training, coaching and yearly reviews
- Assisted in determining monthly goals for the staff
- Maintained monthly branch audits
- Conducted monthly policy and procedure meeting with the staff
- Worked on the conversion team of new bank acquisitions
Education
Associate degree - paralegal studies
Seminole Community College
Bachelor - Business Administration
South University
Skills
- Microsoft Office Applications
- Retail banking software
- Analysis
- Identifying delinquency
- Managerial skills
- Communication abilities
- Basic Supervision Series Training
- SBA SOP
- 7a
- 504
- SBA Express programs
- Deadline oriented
- Closing document preparation
Knowledge And Skills
- Proficient in all Microsoft Office Applications and various retail banking software applications
- Excellent skills in analysis particularly in identifying delinquency
- Extraordinary managerial and communication abilities
- Completed Basic Supervision Series Training
- SBA SOP, 7a, 504 and SBA Express programs
Timeline
SBA Closer III
First Internet Bank
07.2024 - 02.2025
GGL Packager/Closer (7a and 504 Loans)
Ameris Bank
08.2022 - 07.2024
SBA Core Closer (7a and 504 Loans)
BayFirst Bank (First Home Bank)
06.2021 - 08.2022
Closing Specialist Business Lending
Achieva Credit Union
11.2019 - 06.2021
SBA USDA Closing Processor II
Centennial Bank
04.2018 - 11.2019
SBA Lending Assistant
First Citrus Bank
11.2016 - 04.2018
Sr. Business Banking Lending Assistant
Synovus Bank
08.2013 - 11.2016
Special Asset Administrator
Synovus Bank
10.2012 - 08.2013
Commercial Lending Assistant
Synovus Bank
06.2011 - 10.2012
Foreclosure Paralegal
Jones, Walker, Waechter, Poitevent, Carrere & Denegre LLP
10.2010 - 06.2011
Centralized Asset Management- Collection Specialist II
BB&T (formerly Colonial Bank)
08.2010 - 09.2010
Credit Administration- Collections/Reports
BB&T (formerly Colonial Bank)
05.2006 - 08.2010
Residential Lending Assistant
BB&T (formerly Colonial Bank)
06.2005 - 05.2006
Assistant Branch Manager
BB&T (formerly Colonial Bank)
04.2002 - 06.2005
Bachelor - Business Administration
South University
Associate degree - paralegal studies
Seminole Community College
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