Kyle Sakulbunwathana
Keller,United States
Summary
Experienced VP and team lead with over 10+ years of experience in corporate banking, LIQ, and loan administration. Proven track record of managing portfolios valued at over $1 billion, including CRE, MFR, Private Equity, Structured Finance, and Construction loans. Skilled in coaching and supervising teams, reviewing loan documentation, and coordinating with loan officers and legal counsel. Strong customer service skills resulting in a 95% customer satisfaction rate. Previously worked as a Commercial Credit Analyst, Loan Servicing Specialist/Quality Assurance, and Licensed Relationship Banker.
Overview
11
11
years of professional experience
Work History
VP Loan IQ Operation Manager
Citibank
Las Colinas, TX
04.2023 - Current
- Led and mentored a team of 12 Loan Processors and Processing Team Leads, driving adherence to regulatory guidelines for loan closings and funding.
- Oversaw the loan life cycle by validating customer documentation for accuracy and completeness, minimizing banking risks through effective communication with Underwriting management and staff.
- Implemented various checklists and compliance controls, resulting in decreased regulatory exposure and improved risk management.
- Conducted regular team meetings and individual one-on-one sessions to provide updates on performance, prioritize tasks, and ensure alignment with team and individual goals.
- Conducted random quality reviews of loans in process to verify proper process implementation and maintain high standards.
- Collaborated with colleagues, internal partners, management, and lines of business to address risk management concerns and seek opportunities for process improvement and automation.
- Contributed to the development of process and procedure documentation for large-scale program implementation.
- Communicated and ensured the effective implementation of policy and procedural changes, ensuring compliance with regulations and credit guidelines.
- Successfully identified and negotiated team schedules, promoted quality, and determined resource requirements to meet individual and team loan processing targets.
AVP Loan Administrator Team Lead
East West Bank
Dallas, TX
11.2018 - 04.2023
- Responsible for various pre-close and post-close corporate banking loans and managing portfolios $1 billion+ which include: CRE, MFR, Private
- Equity, Structured Finance, Construction, C&I Trade Finance, Entertainment, Tech, Sponsor Finance, Asset Based Lending (Tradition/Non-
- Tradition), and Syndication/Participation
- Managed, onboarded, trained, coached, and supervised teams of 5 or more
- Review all documents prepared by outside counsel to determine completeness and ensure accuracy and compliance with terms and conditions of loan approval and to ensure compliance with policies and procedures
- Coordinate with loan officers, title, and legal counsel regarding issues and problems related to loan documentation, recording of loan, and closing
- Responsible for originating, processing, and timely closings of Multiple Family Real Estate and Commercial/Industrial loans
- Examined escrow instructions, purchase agreements, and preliminary title reports
- Working with outside counsel on all the stimulation to complete a smooth closing process
- Process loan payments, and loan advances, perform call back on-boarded loans to ensure booking was made according to loan approval and loan documentation
- Prepare wires, payoffs, and check requests pertaining to loan closings
- Review and analyze loan documentation requests, request flood, title, appraisal, etc., process loan documentation for real estate and commercial loans, and funding and closing loans
- Enhanced customer service experience by responding to inquiries within 3 business days resulting in a 95% customer satisfaction rate and consistently meeting customer needs and expectations.
Commercial Credit Analyst
City National Bank
Los Angeles, CA
12.2017 - 12.2018
- Processed loan applications for financial stability and creditworthiness
- Compile loan applicants' credit histories, corporate year-end financial statements, personal financial statements, and other financial information in bank-permitted formats
- Gather required loan documentation and information from potential buyers and sellers
- Assessed credit risk and analyzed financial statements
- Analyzed customer data such as financial statements to determine level of risk involved for extending credit
Loan Servicing Specialist
Wells Fargo & Company
Diamond Bar, CA
04.2014 - 12.2017
- Specialist/Quality Assurance
- Monitored borrower compliance and established short-term payment plans on delinquent accounts
- Monitors collateral tracking to ensure proper receipt of collateral, including UCC filings, Deeds of Trust, and Title
- Policy filings and other required documentation
- Performed KYC research and relevant OFAC and Sanctions reviews related to Customer On-boarding
- Completed Enhanced Customer Due Diligence, and reviewed and approved additional documentation as required by investors.
Licensed Relationship Banker
Wells Fargo & Company
Temple City, CA
03.2012 - 04.2014
- Managed client relationships by building rapport and trust
- Educated clients on products offered by the company and brokerage industry basics
- Processed small business and consumer lending applications by taking ownership of document collection, review and quality assurance of documents, customer follow-ups, and coordinating loan closings in a timely manner
- Recommended products and solutions based on needs assessments while exceeding monthly sales goals by 50%
- Improved the overall customer experience with the bank by implementing a streamlined operational process within the branch resulting in a 20% decrease in average wait time.
Education
No Degree - Business Finance
California State University of Fullerton
Fullerton, CA 09.2009 - 06.2014
Timeline
VP Loan IQ Operation Manager
Citibank
04.2023 - Current
AVP Loan Administrator Team Lead
East West Bank
11.2018 - 04.2023
Commercial Credit Analyst
City National Bank
12.2017 - 12.2018
Loan Servicing Specialist
Wells Fargo & Company
04.2014 - 12.2017
Licensed Relationship Banker
Wells Fargo & Company
03.2012 - 04.2014
No Degree - Business Finance
California State University of Fullerton
09.2009 - 06.2014
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