LANCHI TRAN

Responsible for providing accounting support for Default Operations by completing routine to moderate complex default accounting functions within a team environment by reducing risk and losses to the Bank. Responsible for accurate and efficient processing to ensure timely and quality output, while adhering to policies and procedures. May assist in training of newly hired teammates. Self-motivated and works with little to no oversight prior to moving to next level. Ability to multitask in a fast paced production environment.

ESSENTIAL DUTIES AND RESPONSIBILITIES

Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.

1. Process daily work flow queues to ensure all assigned tasks are completed within established timelines and service level agreements

2. Meet/exceed established individual and departmental production and quality metrics in accordance with established policies and procedures.

3. Responsible for reviewing Third Party remittance and invoice files for completeness and accuracy prior to system processing and act as backup to internal teammates

4. Review all real estate tax and foreclosure sales & summons notices accurately and timely to protect the interest in properly securing loan accounts and minimize financial losses. Maximizing recovery dollars on accounts by monitoring sales for surplus funds activity and responding to notices within a timely manner.

5. Review to determine collectability of Surplus Funds resulting from Tax and Foreclosure sales that may have occurred. Sometimes this would entail assisting in-house Legal or outside Agencies in obtaining documentation necessary to pursue.

6. Create and send letters and valuations to clients in accordance with Regulation B within 5 business days. Includes but not limited to process tracking, system updates and imaging processes

7. Process financial transactions and perform account maintenance on various core systems. This includes but not limited to payment processing, charge off and judgment processing.

8. Prepare all necessary General Ledger (GL) entries for proper accounting treatment and reconciliation.

Reconcile and/or complete second level review of assigned accounts (sub-system, clearing/suspense, deposit, etc) at appropriate consolidated, rollup or individual center level in accordance with established standards, policies and procedures. Analyze reconciling items by applying understanding of operational process flows, nature of business and subsystem functionality. Work with lines of business representatives to assist with clearing of exceptions. Apply effective challenge to business representative assertions based upon understanding of reconciling items. Research and escalate unresolved items in a timely manner to ensure management is aware of any issues/concerns. Monitor accounts for potential fraud, and report using documented process. Prepare and/or review journal entries and monitor assigned account activity to accurately record the company’s financial transactions in accordance with generally accepted accounting principles (GAAP) and internal accounting policies. Maintain proper segregation of duties. Compile and maintain necessary supporting documentation as required by policy. Prepare and analyze reports related to area(s) of responsibility. Train and mentor other reconciliation teammates and LOB partners in resolving reconciliation issues. Establish proficiency with reconciliation software to maximize use of system functionality. Continually analyze accounts for possible process improvements through match pass rules or other system efficiencies. Continually analyze accounts for possible process improvements through match pass rules or other system efficiencies. Coordinate or assist with testing and implementation for new systems or accounts, workflow changes; or acquired entities. Provide problem resolution on operational issues.

9. Responsible for distributing, processing, and imaging of incoming documents / mail.

10. Act as backup to internal teammates.

• Implemented cost reduction initiatives, achieving significant savings without compromising quality or service delivery.
• Developed and implemented data governance policies and procedures.
• Investigated system issues and implemented resolutions to reduce downtime.
• Monitored compliance and filing requirements in conjunction with staff and management.
• Developed complex dashboard and reporting tools to track business performance metrics.
• Created dashboards to monitor and track key performance indicators.
• Conducted workplace compliance training to reduce liability risks and operate effectively.
• Performed system analysis, documentation, testing, implementation, and user support for platform transitions.
• Analyzed data to identify root causes of problems and recommend corrective actions.
• Identified clear connections between policies and business results to eliminate or reduce confusion and help employees achieve goals.
• Increased overall profitability by identifying inefficiencies within existing systems and implementing necessary changes.
• Elevated departmental performance through targeted training programs aimed at developing employee skills and expertise.
• Worked well in a team setting, providing support and guidance.
• Resolved problems, improved operations and provided exceptional service.
• Assisted with day-to-day operations, working efficiently and productively with all team members.
• Gained extensive knowledge in data entry, analysis and reporting.
• Used critical thinking to break down problems, evaluate solutions and make decisions.
• Learned and adapted quickly to new technology and software applications.
• Passionate about learning and committed to continual improvement.

• Negotiated loan terms and conditions with customers to secure best deal.
• Assisted with ongoing date entry in asset management system.
• Established strong relationships with clients by maintaining regular communication and offering proactive guidance throughout their borrowing experiences.
• Collaborated with underwriters to ensure accurate risk assessments for new loan applications, contributing to improved credit quality.
• Analyzed potential risks and evaluated loan products to identify suitable options for customers.
• Expedited approval processes by preparing comprehensive loan packages with detailed financial analysis and strong supporting documentation.
• Identified opportunities to cross-sell and upsell loan products to customers.
• Assisted in the development of lending policies and procedures that streamlined operations and improved overall efficiency within the department.
• Increased commercial loan portfolio growth by conducting thorough financial analysis and identifying client needs.
• Developed customized financial solutions that met unique borrower needs while adhering to established lending guidelines and mitigating risk exposure for the institution.
• Streamlined loan processing by implementing efficient documentation management systems, reducing delays and increasing productivity.
• Obtained and reviewed corporate financial statements.
• Compiled closing packages for drafting and presentation accuracy.
• Established plans and payoffs for customers' loans, prioritizing control of overall costs.
• Built trust and promoted customer loyalty throughout underwriting process.
• Supervised loan personnel and motivated to maintain customer service and performance standards.
• Managed a diverse portfolio of commercial loans while providing exceptional customer service to maintain high levels of satisfaction amongst borrowers.
• Contributed to a positive work environment through effective collaboration with colleagues from various departments for smooth loan processing.
• Proactively addressed potential issues during the loan application process, resulting in faster approvals and fewer rejections.
• Assessed loan portfolios for compliance with underwriting policies.
• Assisted customers with completing loan applications and other paperwork.
• Approved loan applications based on customer creditworthiness and provided detailed financial advice.
• Managed up 120 client loans at any given time.
• Evaluated loan requests and documents to verify accuracy and completeness.
• Monitored pipelines to track and log status of loans.
• Generated and distributed variety of daily, weekly and monthly reports.
• Enhanced client relationships through consistent communication and attentive customer service, resulting in increased referrals and repeat business.
• Proved successful working within tight deadlines and a fast-paced environment.
• Assisted with day-to-day operations, working efficiently and productively with all team members.
• Learned and adapted quickly to new technology and software applications.
• Managed time efficiently in order to complete all tasks within deadlines.
• Demonstrated strong organizational and time management skills while managing multiple projects.
• Demonstrated respect, friendliness and willingness to help wherever needed.
• Developed strong organizational and communication skills through coursework and volunteer activities.
• Worked effectively in fast-paced environments.
• Delivered services to customer locations within specific timeframes.
• Used critical thinking to break down problems, evaluate solutions and make decisions.

• Prepared detailed reports on branch activities, performance metrics, and other relevant data for presentation to senior management during periodic review meetings.
• Supported financial director with special projects and additional job duties.
• Pursued new retail and commercial account growth to enhance bank's market position.
• Streamlined daily operations by developing and implementing efficient scheduling, task delegation, and performance tracking systems.
• Established internal audit procedures to validate and improve accuracy of financial reporting.
• Fostered a positive work environment by promoting teamwork, collaboration, and open communication among staff members.
• Evaluated employees' performance and offered recommendations for improvement to enhance operations efficiency.
• Established and checked coding procedures, monitored reports and updated internal files.
• Maintained a high level of accuracy in transaction processing through rigorous attention to detail and adherence to established protocols.
• Enhanced branch security by implementing strict cash handling procedures and monitoring staff adherence to guidelines.
• Prepared internal and regulatory financial reports, balance sheets and income statements.
• Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
• Contributed to the achievement of branch sales goals through targeted marketing efforts focused on attracting new customers while retaining existing clientele.
• Ensured compliance with federal regulations and bank policies by conducting regular audits of teller transactions and cash drawers.
• Reduced operational costs by identifying areas for improvement in workflow efficiency and resource allocation.
• Enhanced the overall customer experience with personalized service tailored to individual needs and preferences.
• Performed banking, business administration and financial tasks to guarantee five-star service for clients.
• Worked well in a team setting, providing support and guidance.
• Worked effectively in fast-paced environments.
• Passionate about learning and committed to continual improvement.
• Developed strong communication and organizational skills through working on group projects.
• Skilled at working independently and collaboratively in a team environment.
• Gained strong leadership skills by managing projects from start to finish.
• Learned and adapted quickly to new technology and software applications.
• Self-motivated, with a strong sense of personal responsibility.