Krystal Cox
Granbury
Summary
Accomplished professional with 10+ years of experience in financial analysis and technology integration. Expertise in analyzing complex business processes and market trends to create innovative solutions that improve operational performance. Proven track record of supporting strategic decision-making through data-driven insights.
Overview
15
15
years of professional experience
Work History
Vice President, IT Business Lead Analyst
Citi Bank
Irving
01.2023 - Current
- Provide expertise in area of advanced knowledge of applications programming and plan assignments involving large budgets, cross-functional project, global digital initiatives, AI automation or multiple projects.
- Analyze complex business processes incorporating Scrum, JIRA and Agile methods, system processes, and industry standards to define and develop solutions to high level problems.
- Lead integration of functions to meet goals, deploy new products, and enhance upstream and downstream payment end to end processes.
- Consult with end users, stakeholders, and product owners to identify system function specifications and incorporate into overall system and/or functional design.
- Leverage advanced knowledge of supported main system flows and extensive knowledge across multiple domains to accomplish measurable technology goals.
- Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm’s reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.
- Assigned tasks to team members based on project needs. and coached developers, analysts, and new team members.
- Develop application methodologies and standards for program analysis, design, coding, testing (UAT, SIT, Loan IQ, Production, Versana) debugging, and implementation.
- Influence and negotiate with senior leaders and communicate with external parties.
- Analyze market trends to inform strategic decision-making processes.
Lead Commercial Loan Servicing Representative
Wells Fargo
Charlotte
01.2022 - 01.2023
- Coordinated and reconciled all loan advances and payments with member banks and customers, ensuring accurate financial records in Loan IQ.
- Trained and guided less experienced Commercial Loan Servicing representatives in interpreting complex policies, enhancing team competency.
- Train others on complex loan agency inquiries and servicing language in loan documentation and interpretation, as well as an understanding of financial services and customer support.
- Prioritized work and provided daily leadership and mentorship to support team, fostering a collaborative work environment.
- Research, respond to and resolve complex inquiries and interact with internal customers.
- Collaborate with various teams and or consult with peers, colleagues, and managers to resolve issues and achieve goals.
- Support loan trading and assignments.
- Exercise independent judgment while developing the knowledge to understand function, policies, procedures, and compliance requirements.
Credit Servicing Specialist II
Bank of America
Richardson
01.2020 - 01.2022
- Handle large portfolios of syndicated, bi-lateral, and part bought loans booked to MISYS Loan IQ.
- Independently review loan approval, complex loan documents, credit agreements/ amendments prepared by counsel to ensure consistency and adherence to requirements.
- Reconciled loan system and general ledger accounts, resolved aged items, monitored and cleared system rejects, and conducted variance analysis for finance partners.
- Initiated maintenance requests for general ledger accounts, posted transactions to customer accounts, cleared automated process rejections, researched and corrected issues, monitored ticklers, and balanced batch work to the loan system.
- Updated loan system daily to ensure accuracy of records. to the Loan IQ system of record.
- Developed strategies that enhanced operational efficiency within the department.
- Collaborated with partners that include a diverse group and innovative viewpoints to advance tools, technology and ways to serve an evolving client base.
- Maintained confidential records of borrowers' financial information.
Commercial Loan Funder Closer Level II
BBVA
Dallas
01.2017 - 01.2020
- Managed documentation and closing functions for Corporate Commercial and Industrial (C&I) and Wealth Management (WMG) loans, ensuring accurate initial fundings.
- Review all documents after booking to create Advance Templates for ongoing disbursement instructions according to loan approval and signed documentation.
- Assisted closers in gathering and reviewing all due diligence items based on collateral type and loan policy.
- Provided due diligence and documentation review support to enhance team efficiency and compliance.
- Contributed as subject matter expert (SME) in projects, including testing and special assignments for Loan IQ Project.
- Work with business partners in the Loan HUB to provide accurate servicing of loans.
- Rebranded from BBVA Compass to align with corporate vision
Operations Specialist Level III
Bank of America
Dallas
01.2016 - 01.2017
- Managed large corporate portfolios of direct, part-bought and syndicated loans in MISYS Loan IQ, ensuring accurate post-closing credit servicing.
- Executed daily processing of fees, advances, and payments while balancing general ledger for Loan IQ.
- Worked directly with business partners to achieve successful closing with clients.
- Collected and organized all legal documents for closing to facilitate timely transactions.
Licensed Lending Officer (MLO NMLS ID: 1440050)
loanDepot
Plano
01.2015 - 01.2016
- Built report, analyzed financial situations, and determined the appropriate loan product to meet client goals.
- Locked loan at point of sale, requested initial documents from clients during origination and submitted a preliminary paperless loan package.
- Followed up with borrowers and collaborated with internal partners to ensure clear communication and timely loan processing.
- Converted daily leads into loan applications, maximizing commission opportunities.
Service manager
Wells Fargo
Hollywood
01.2012 - 01.2015
- Trained and coached team members on customer experience, relationship building, and quality referrals to drive service excellence.
- Collaborated with branch manager to foster a positive work environment and coach team members daily, contributing to overall branch success.
- Scheduled team members to optimize resource utilization, enhancing customer experience.
- Evaluated and authorized team members' time sheets for accuracy and compliance.
- Made sure that all team members followed bank and federal compliance regulations and adherence to dual control at all times.
- Managed the filing and shipping of bank documents as the Record of Retention designee.
Education
MBA - Business Administration/ MFin
American Intercontinental University
01-2027
BS - Business Administration
American Intercontinental University
01-2020
BS - Biochemistry
The Ohio State University
01-2007
Skills
- Agile methodologies
- Project management
- Financial analysis
- Data analytics
- Risk assessment
- Strategic planning
- Market analysis
- Financial management
- Commercial lending expertise
- Presentation skills
- Relationship management
- System performance evaluation
- Stakeholder management
- Analytical tool implementation
- Financial advising
- Test case scenarios
- Requirements gathering
- Technology architecture analysis
- Functional specifications
- Industry knowledge
- KPI tracking
- Cashflow processes
- Consulting
Timeline
Vice President, IT Business Lead Analyst
Citi Bank
01.2023 - Current
Lead Commercial Loan Servicing Representative
Wells Fargo
01.2022 - 01.2023
Credit Servicing Specialist II
Bank of America
01.2020 - 01.2022
Commercial Loan Funder Closer Level II
BBVA
01.2017 - 01.2020
Operations Specialist Level III
Bank of America
01.2016 - 01.2017
Licensed Lending Officer (MLO NMLS ID: 1440050)
loanDepot
01.2015 - 01.2016
Service manager
Wells Fargo
01.2012 - 01.2015
MBA - Business Administration/ MFin
American Intercontinental University
BS - Business Administration
American Intercontinental University
BS - Biochemistry
The Ohio State University