Maitte Penalver
Palmetto Bay,FL
Summary
Passionate, highly focused, and accomplished professional with extensive experience managing multiple projects simultaneously. Fully bilingual with excellent organizational and time management skills and the ability to communicate effectively across the organization. Proven success in exceeding internal as well as external customer satisfaction.
Overview
18
18
years of professional experience
Work History
Loan Closing Coordinator
FIRST NATIONAL BANK OF SOUTH MIAMI
10.2015 - 08.2022
- Screen calls, arrange meetings and conferences for department manager
- Provide administrative support to the department manager and Chief Credit Officer, including performing research, preparing presentations and other duties as assigned
- Analyze and monitor loan-related reporting systems for accuracy and timely completion, including document and report preparation
- Organize and maintain physical and digital file systems
- Pre-closing quality control audit of residential and commercial loan files to ensure underwriting met established policy and procedures as well as regulatory compliance
- Prepare In-house documentation or coordinate the preparation of documents by attorneys to ensure timely delivery of document
- Document and communicate audit findings directly to appropriate parties
- Created and Implemented policies and procedures for the newly established closing department
- Assisted with the implementation of the newly established operating system by coordinating training, onboarding, and testing
Lending Assistant
FIRST NATIONAL BANK OF SOUTH MIAMI
12.2013 - 10.2015
- Process consumer and commercial loan applications
- Perform the full range of duties pertaining to loan processing (pre-closing) and loan servicing (post-closing) functions, primarily for commercial loans
- Duties will include, but not be limited to, the following:
- Order flood certifications, appraisals, title work, etc., as needed
- Review files to ensure that proper documents and disbursements are prepared accurately
- Obtain payoff information as necessary
- Prepare all denial and withdrawal letters
- Handle all loan payments and advances
- Perform follow-up procedures for all insurance policy certificates, ensuring policies are updated and the bank is adequately protected and listed as a lienholder
- Request annual financial updates on all borrowers and guarantors
- Prepare, handle or manage the loan pipeline report and tickler reports
Portfolio Manager/ Jr Credit Analyst
GIBRALTAR PRIVATE BANK & TRUST
07.2006 - 07.2012
- Assist with loan servicing issues, requests and system updates
- Assist underwriter with cash flow analysis and financial statement analysis
- Proficient in analyzing financial statements, assessing risk, and evaluating credit worthiness
- Administered the Bank’s Line of Credit portfolio under $250,000 to ensure the timely and accurate review of each file before renewal or maturity
- Conduct timely reviews of cash and margined loans new and existing
- Monitor all loans with accounts receivable covenants, review loan documents, and prepare special asset reports on files with downgrades
- Facilitate all aspects of Standby Letters of Credit, from inception to closing, including consulting with internal counsel as applicable
Mortgage Production Analyst
GIBRALTAR PRIVATE BANK & TRUST
06.2004 - 07.2006
- Analyzed mortgage banker’s production numbers and prepared reports to disseminate to the Board of Directors as well as other Bank departments
- Created reports used by Executive Management to evaluate the department’s overall production and service goals
- Assisted with departmental budgeting
- Handled all highly confidential issues pertaining to salary, benefits, and commissions for the Mortgage Bankers as well as maintaining all staff records as it pertained to scheduling both personal and business-related purposes
Education
B.A. - English Literature
Florida International University
Miami, Florida01.2010
Skills
- Meticulous attention to detail
- Information confidentiality
- Proofreading
- Filing and data archiving
- Resourceful
- Document coordination
Languages
Spanish
Full Professional
Timeline
Loan Closing Coordinator
FIRST NATIONAL BANK OF SOUTH MIAMI
10.2015 - 08.2022
Lending Assistant
FIRST NATIONAL BANK OF SOUTH MIAMI
12.2013 - 10.2015
Portfolio Manager/ Jr Credit Analyst
GIBRALTAR PRIVATE BANK & TRUST
07.2006 - 07.2012
Mortgage Production Analyst
GIBRALTAR PRIVATE BANK & TRUST
06.2004 - 07.2006
B.A. - English Literature
Florida International University
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