Karizma Caldwell
Knightdale,NC
Summary
Highly analytical, resourceful, customer-focused, and result-driven professional with experience and knowledge of policies, regulations, loan closing procedures and syndicated loans. Firsthand expertise to analyze risk and determine policy’s terms and conditions. Proficient in analyzing credit and financial data of loan applications. Dedicated professional known for excellence in technical development skills, critical thinking, communication, reliability and self- drive with a passion for learning and development.
Overview
9
9
years of professional experience
Work History
Syndicated Loan Closer
Wells Fargo
12.2021 - 06.2024
- Coordinate all aspects of loan closings, perform customer, loan and regulatory diligence
- Accurately evaluate and upload data into Loan IQ and CBOA
- Ensure compliance with all bank policies, procedures, and regulatory requirements
- Review and prepare complex syndication/bilateral loan documents
- Booked complex commercial loans as well as working as a primary
- Liaison for legal teams, customers, and stakeholders
- Work collaboratively with Credit, Sales and Legal regarding proper procedures and documentation requirements necessary to ensure accuracy with negotiated terms and ensure alignment with appropriate compliance standards
- Meets SLA by ensuring corrective actions, required data, and proper procedures are followed
- Review and negotiate complex legal documentation, evaluate risks, devise strategies to mitigate documentation risk and identifying procedural modifications
- Provide guidance and training to peers
- Collaborate and consult with peers, colleagues, and managers to resolve issues and achieve goals
- Receive direction from leaders and exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements
- Processes routine transactions associated with ongoing account management such as fee payments, distributions, portfolio transfers, and Loan IQ data maintenance.
Loan Serving Analyst
Collabera
01.2019 - 03.2021
- Manage portfolio of syndicated/participated bank facilities in Loan IQ
- Provide loan servicing support and has direct communication with agent banks, lenders, and business partners
- Reconcile daily funding and payment activity to account for all daily cash transactions
- Calculate complex interest and fee accruals at various rate levels
- Monitor and escalate past due principal, interest, and fees to ensure that the loan accounting system is accurate and provides clients with timely and accurate invoices
- Communicate with internal/external agents regarding issues around these specialized facilities
- Manage the ongoing balances between Loan IQ and agent bank
- Research and resolve loan related issues which may include missing payments, margin changes and/or unprocessed draw requests or conversions
- Ensure all lending transactions are booked and managed correctly (interest payments, principal payments, advances etc.), minimizing operational risks and losses, and ensuring compliance with all bank policies and procedures
- Read and interpret complex legal credit agreements and related documentation working with credit, legal, origination
- Reconcile control reports and engaging with leadership daily on Key Risk Indicators
- Support co-workers, work with various special projects or other tasks as assigned
- Recommend latest methods to improve departmental procedures.
Loan Analyst
PNC Bank
Charlotte, NC
05.2015 - 12.2018
- Ensured loan submittals met internal and external eligibility requirements
- Maintained meticulous attention to detail in underwriting mortgages
- Evaluated the financial strength of borrowers to determine risk and repayment capacity
- Leveraged knowledge of loan products to help restructure turned-down loans for subsequent approvals
- Sustained compliance with lending, underwriting, and government requirements
- Demonstrated excellent follow-through with borrowers, loan processors, loan originators, and management throughout all phases of the underwriting process
- Balanced the need for loan-volume growth with the equally important necessity of optimum underwriting quality to minimize risk while maximizing profitability.
Education
Associate of Applied Science -
Louisburg College
Louisburg, NC06-2014
Skills
- MS Office Suite
- Word
- Outlook
- Access
- Excel
- PowerPoint
- Adobe Acrobat
- Loan IQ
- AFS (Automated Financial Systems, Inc)
- AWS Software
Timeline
Syndicated Loan Closer
Wells Fargo
12.2021 - 06.2024
Loan Serving Analyst
Collabera
01.2019 - 03.2021
Loan Analyst
PNC Bank
05.2015 - 12.2018
Associate of Applied Science -
Louisburg College