Ke-Ana Booker

• Analyze 100+ borrower's credit applicants weekly to determine level of risk involved for extending credit.
• Ensure compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
• Review credit reports to comprehensively view borrowers' credit history and identify potential red flags.
• Enhance customer relationships through effective communication of complex financial information, contributing to loyalty and retention.
• Collaborate with cross-functional teams for comprehensive client assessments, supporting informed decision making.
• Attend credit-related training to stay informed about industry trends and developments.
• Identify potential problem loans early on through ongoing monitoring activities, enabling prompt remedial actions when needed.
• Approve or deny credit applications to keep organization profitable by making informed lending decisions.
• Gather loan documentation for underwriting.
• Initiate calls via telephone and prepare written follow-up.
• Provide prompt accurate response to all internal and external customer inquiries.
• Update comparative spreadsheets using data from tax returns and financial statements, incorporating adjustments as needed.
• Input applicable data into software system to prepare a credit decision for borrower and dealer.

Transferred to Funding DEPT: Funder Dealer Services Support Specialist

• Review Credit/Installment Contracts, Title,UCC Filings,MSOs, Security Agreements and all docs needed to fund the Collateral.
• Verify all borrower information is entered in correctly in Data system.
• Ensure all conditions are cleared prior to funding
• Perform quality audits on signed funding packages.

• Book 55+ weekly CLO's, Cross Collateral loans, assessing and reviewing UCC Filings, UCC Terminations, Notes,Security Instruments, Appraisals, Flood Determination/Certifications,Hazard Insurance Policies, and Force Placed.
• Serviced and monitored 75+ weekly commercial and consumer loan products in financial system: Booking Capital Call lines, Business Banking, Working Capital, Term Loans, Syndication Loans, Standby Letters of Credit, and Modifications/Extensions.
• Reviewed Monitoring Reports and audit corrections for accurate completion of Collateral loan documents.
• Prepared collateral review from information appearing on client aging reports.
• Analyzed Legal documentation, Insurance Policies, Loan Agreements, Narratives, Funding Packages, Closing, Purchase Agreements, Promissory Notes, and all loan funding documents for completeness and accuracy.
• Streamlined processes for faster resolution times, effectively managing servicing requests and inquiries by delegating and managing workflow in que.
• Maintained comprehensive record-keeping practices that facilitated quick retrieval of account information when needed.
• Accurately process financial and non-financial transaction into financial (accounting) systems including: advancing funds, document processing and record keeping.
• Investigates cash discrepancies associated with the responsible accounts.
• Serve as contact for Relationship Managers, Legal Counsel Collateral, Participating Banks and various departments within the Bank .
• Provided training to new employees, ensuring consistent service quality across the team.
• Calculated, reviewed and corrected errors on interest, principal and closing costs.
• Processed 50+ daily funding transactions, posting payments and advances.
• Produced daily reports, and recorded all daily transactions

• Examine documents to determine the degree of risk from such factors as applicant financial standing, tax returns, credit report, income, and delinquency
• Review and verify applications and supporting documentation
• Analyze all credit reports and other financial information to interpret and evaluate credit worthiness
• Conduct credit reviews to assess and mitigate risk
• Review and analyze financial documents for repayment ability
• Proceed with decisions within approval limits ensuring turnaround time is met
• Maintain open communication with all agents and managers to effectively inform them of approval or denial determination
• Complete various credit requests
• Assist national agents in monitoring turn times and managing 'rush' files
• Prepare comprehensive credit analysis of prospective tenants for real estate acquisition clients based on qualitative and quantitative analysis, including analyzing financial statements, business, industry, and management.

• Manage over 250 residential housing units and help achieve occupancy goals
• Successfully interacted with over 100 tenants/month within time-critical and challenging scenarios
• Mastered knowledge of Fair Housing laws through repetition, research, and implementation
• Analyze documents for factors such as applicant financial, credit scores, income, and rental history to determine risk level
• Completely engaged in certification procedures including pulling and understanding credit reports, verification of employment, and income ratio calculations
• Met with Regional and Area Managers to discuss and resolve delinquencies and occupancy issues
• Create spreadsheets of weekly delinquency reports.

• Successfully developed a unique customer retention strategy, hitting monthly objectives by increasing sales
• Oversee a team of 10+ that were responsible for analyzing potential deals by setting appointments with potential buyers to meet with the sales representatives at the dealership
• Recruit and train BDC staff
• Review and analyze data reports
• Manage the day-to-day business of the business development center
• Work closely with executive and department managers to develop appointment setting strategies
• Maintained expert knowledge of multiple CRM systems
• Provided sales support; communication with buyers, Sales Managers, Service Advisors, and Finance Managers
• Primarily maintained client relations, including acting as a liaison between customers and sales associates to ensure a positive experience
• Consistently provided follow-up and daily contact with inquiring clients/prospects via phone, email, and/or message.

• Review vehicle deals with accuracy and missing documents
• Performed using F&I software programs and CRM systems to process credit and loan applications, thoroughly checking over contracts for underwriting approval
• Package and submit funding packages to banks for Business Manager/ Process loan applications
• Connected with financial lenders to give interest rates to buyers and programs
• Contact lenders for customer loan payoffs and follow-up on titles not received
• Preparing financial statements, reports, memos, invoices letters, and other financial documents
• Maintain cars sold log for the department ensuring deals are recorded promptly and correctly
• Performed accounting duties such as: record and perform daily bookkeeping, expense reports, prepare purchase orders, accounts payable and accounts receivable
• Performed office administrative duties such as: organize files, invoices, and cash equivalents to comply with policies and procedures and, data entry
• Complete the entire title work process on all new and used vessels and other purchases
• Ensured and maintained the confidentiality of all communications and documentation of clients
• Coordinated all communications, track and follow up on requests, and identify those of importance that require immediate attention.