KIMBERLY R SARTUCHE

I was a part of Fifth Third Bank's loan review team reviewing commercial loan files dated between 2018 and
2023 with a focus on Beneficial Ownership compliance, utilizing Salesforce, FIS and IBS.

• Conducted thorough reviews of commercial loan files to ensure complete and up-to-date Beneficial Owner information, ensuring compliance with both internal bank policies and federal regulations.
• Processed an average of 25 loan files per day, maintaining a high level of accuracy and attention to detail in compliance with industry standards.
• Collaborated with internal teams to resolve discrepancies, reducing compliance risks and contributing to the overall success of the bank's regulatory audits.

Set up, process and complete loan packages through closing in a timely and efficient manner using various systems and tracking tools, including Encompass LOS. Specialized in residential investment properties - Fix and Flip, Bridge, New Construction, Renewal and Refinance loans.

• Pipeline consisted of 50-60 loan files at any given time.
• Served as primary point of contact with borrowers and all third party vendors.
• Engage third-party vendors - order and review of all third-party documents - title, appraisals, insurance,
  GC contracts, feasibility reports, etc.
• Coordinated effectively with cross-functional teams, including underwriters, closing team and legal professionals, to ensure smooth loan processing from initial application to closing.
• Reviewed loan files to verify procedures per guidelines.
  Engage third-party vendors and review all third-party documents - title, appraisals, insurance, GC
  contracts, etc.
• Worked with operations team to ensure efficient, seamless on-boarding, underwriting and closing
  processes.
• Handled multiple loans and customer relationships simultaneously.
• Coordinated with Originations and Credit teams throughout on-boarding, underwriting and closing
  processes.
• Worked with borrowers to ensure all proper documentation was obtained to ensure completion of loan package prior to submission to underwriting.
• Reviewed funding packages for accuracy before submission to treasury for funding.
• Monitored borrower's line of credit utilization to ensure maximum utilization.
• Exceeded customer expectations by providing highest level of customer service.
• Enhanced lender/customer satisfaction by providing timely and accurate updates on loan status.
• Reviewed and updated policies and procedures as needed.
• Assisted in training of new team members.

Set up, process and complete loan packages through closing in a timely and efficient manner using various
systems and tracking tools, including Synergy LOS - specializing in small business commercial properties and
residential investment properties.

• Managed a pipeline of approximately 20-30 loan files at any given time.
• Engage third-party vendors - order and review of all third-party documents - title, appraisals, commercial insurance review, environmental reports, etc.
• Collateral review, including preparation and completion of Desk Top Appraisals.
• Review and update loan requests following due diligence procedures required to determine values of collateral and bank lien position or compliance with regulatory requirements
• Consult with third party vendors, closing agents, attorneys, insurance company to obtain necessary
  loan closing documentation and to resolve specific exception and transactional issues.
• Review documentation for decline loans, complete required documentation and provide mailing of
  regulatory required notifications to customers about declined loans.
• Oversaw applying standard departments, regulatory, and loan policies and guidelines. Take necessary
  action to resolve basic/complex and questionable issues or refer to appropriate team members.
• Coordinated closing process with attorneys, title companies and government clerks.
• Upheld complete confidentiality of all submitted information according to release guidelines.
• Developed strong lender relationships through consistent communication and attentive service.
• Sought ways to improve processes and services provided.
• Responded to customer requests, offering excellent support and tailored recommendations to address needs.

• Establish and maintain relationships with individual and/or business customers with customer retention in
  mind.
• Open personal and business accounts including Checking, Savings, IRA, HSA, MMK, and CD accounts
• Responded to customer requests for products, services, and company information.
• Consumer lending including Auto Loans, Personal Loans, Personal Lines of Credit, Home Equity Loans
  and Lines, and Visa Credit Cards.
• Developed strong product knowledge to provide informed recommendations based on individual customer needs.
• Enhanced client satisfaction by providing personalized financial planning services tailored to individual
  needs.
• Maintained friendly and professional customer interactions
• Teller and cash handling
• Developed rapport with customers through active listening skills, leading to higher retention rates and positive feedback from clients.

• Deliver exceptional member service and retention through advice, guidance, and education of financial
  products to strengthen members financial lives
• Created strategies to develop and expand sales of services to existing members
• Collaborated with cross-functional teams to develop comprehensive financial strategies for high net worth clients.
• Open personal and business accounts including Checking, Savings, MMK, IRA, HSA, and Time
  Deposit/CD accounts
• Consumer lending including Auto Loans, Personal Loans, Personal Lines of Credit, and Visa Credit Cards
• Executed member transactions, including deposits, withdrawals, money orders and checks, wire
  transfers, stop payments and account transfers
• Teller and Vault cash handling
• Discussed financial options with clients and provided informed suggestions.

• Open personal and business accounts including Checking, Savings, MMK, IRA, HSA, and Time Deposit/CD accounts.
• Streamlined account opening processes for improved efficiency and reduced waiting times.
• Conducted financial reviews for customers, identifying opportunities for cross-selling additional products and services.
• Collaborated with branch team members to ensure seamless execution of daily operations and optimal customer experience.
• Ensured compliance with all regulatory requirements, protecting both the bank''s reputation and its customers'' interests.
• Strengthened client relationships through consistent follow-ups and proactive communication.
• Extensive teller experience as Head Teller overseeing 3 branch locations.