Margaret Horowitz
Bellport,NY
Summary
Team-oriented Lending/Banking leader with proven leadership and motivational skills successful in helping group members achieve business goals. Respectful and clear communicator focused on enhancing teamwork and collaboratively addressing challenges with logical approaches. Skilled in building relationships and enhancing employee satisfaction to drive work performance.
Overview
22
22
years of professional experience
Work History
Practice Group Coordinator
Brown Altman & DiLeo, LLP
03.2014 - Current
- Handle all stages of the loan closing process, including review of loan approvals, draft Commitment Letters, customize closing checklists, draft commercial mortgage loan closing documents, make initial introduction call and email to attorneys, brokers and title companies as well as continuously follow up with all parties to gather documentation to satisfy all conditions needed to clear file to close, schedule closing, calculate and prepare net proceeds, attend closing and oversee signatures, notarize, and review closing checklist to ensure all at closing conditions are met. Finalize closing statement and coordinate with Lender for funding, arrange for Bank Checks and or wire transfers. Write IOLA Checks, prepare Bank Checks, Initiate wire transfers and communicate with our Accounting Department advising of all funding deposits and disbursements written against deposits to assist in reconciling account balances, prepare and electronically submit UCC1 Financing Statements for filing.
- Manage and train support staff and oversee all areas of lending, deligate and assign files to adminstrative staff to print and assemble documents for closing and follow through to compiling an original closing binder to be sent to the Lender post closing.
- Establish and maintain close, professional working relationships with loan officers, branch personnel, Loan Closers and Loan Administration Staff with all Lending clients.
- Develop and implement written Commercial Transactional Lending procedures for all new hires while regularly updating policies and procedures as necessary.
- Boosted morale and productivity by creating a positive work environment through planning team-building exercises.
- Maintain an update a Commercial Transactional Status Memo to be distributed for weekly meeting.
- Compile personal and confidential information from partners and signers on opening new IOLA and Operating Accounts with new Lending Clients and work with online banking / treasury management to onboard all new users with sign on information and assign administrative rights.
Dedicated Lending Associate
Citibank, NA
05.2012 - 03.2014
- Meet with potential new clients to discuss mortgage needs, compile information, and issue pre-approval letters. Maintain a high level of confidentiality as a majority of clients were Citibank employees.
- Act as a liason between clients and loan processing department to gather information as needed to assist in the mortgage approval process.
- Coordinate with all parties to set a closing date, prepare closing costs and HUD1 Settlement Statement.
- Developed strong client relationships through timely and thorough response time and follow-up on inquiries and concerns.
- Work closely with delegated Loan Officer(s) and meet regularly to review pipeline, review status of files and compile information to prepare status reports for monthly staff meetings.
- Increased customer satisfaction by resolving complex issues and providing exceptional service at all times.
Loan Servicing Specialist - Credit Management
Wells Fargo
03.2010 - 05.2012
- Accompany Relationship Manager to client meetings and property inspections on past due commercial properties.
- Reduced loan delinquency rates by implementing effective communication strategies with borrowers and creating a work out plan that suits their financial needs to bring the account current and in good standing with the Bank.
- Enhanced customer satisfaction through timely resolution of loan servicing issues.
Private Banking Wealth Management Associate
Wells Fargo
03.2008 - 03.2010
- Enhanced client satisfaction by delivering personalized wealth management solutions and strategies. Travel to meet with high net worth clients regularly to assist them with all opening new accounts and all banking transactions.
- Arrange meetings, handle travel arrangements and maintain a calendar of events for a team of 4 Private Banking Relationship Managers.
- Review daily reports of all wealth management client transactions, and transfer funds as instructed by the client to cover all potential overdrafts and research account history in order to waive any and all banking fees.
Loan Closing Coordinator
Cullen And Dykman LLP
01.2002 - 12.2006
- Maintained a pipeline of approximately 150 loans in process on a monthly basis while continuously meeting monthly closing goals through close communication with Attorneys, Title Companies and mortgage brokers to obtain all documentation needed to clear file to close.
- Review Title and corporate organizational documents, and work closely with attorneys to keep a current checklist and status of each file to create reports for monthly status staff meetings.
- Calculate costs, and print loan documents and assemble file for closing. Communicate with Lender for funding and arrange for closing checks and or wire transfers.
Education
High School Diploma -
Deer Park High School
Deer Park, NY06.1987
Timeline
Practice Group Coordinator
Brown Altman & DiLeo, LLP
03.2014 - Current
Dedicated Lending Associate
Citibank, NA
05.2012 - 03.2014
Loan Servicing Specialist - Credit Management
Wells Fargo
03.2010 - 05.2012
Private Banking Wealth Management Associate
Wells Fargo
03.2008 - 03.2010
Loan Closing Coordinator
Cullen And Dykman LLP
01.2002 - 12.2006
High School Diploma -
Deer Park High School
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