Marty Cedillos

Responsible for the overall loan operations management and oversight of the consumer and commercial loans support staff. This includes document preparation, processing and servicing, account reconciliation and reporting functions, post-closing document review and imaging. Supervise loan document preparation to ensure all loans are being processed in a timely and proper manner. Supervise all aspects of loan servicing to include payment posting, loan booking and system review. Manage the post-closing function to ensure all Deeds of Trust, UCC's and Security documents are accurate, and the Bank is secured. Oversee the imaging and vault retention of secured documents and legal instruments and ensure they are properly imaged for the review of lenders and audit personnel. Develop and implement best practices in loan operations related processes and procedures. This position works with a range of complex documents, and is responsible for supervising loan operations staff, including doing performance reviews, hiring, firing, disciplinary actions and training. This position is responsible for complying with all related State and Federal lending laws and regulations, providing the highest level of service and support to the Bank's customers. This position initiates and maintains professional and courteous contact with customers, both internal and external.

• Supervised operations staff and kept employees compliant with company policies and procedures.
• Developed procedures to improve operational quality and team efficiency.

Position supported regulatory compliance within Bank's real estate appraisal and insurance operations at high level of complexity and ability. Compared value from appraisal or evaluation to requested loan amount to determine whether value of property securing loan provided adequate collateral protection to bank. Ordered flood determinations on new loans to determine if building was in a flood zone. Advised lending team to help them understand details of flood insurance policy, including declarations page, item's cover and not covered. Tracked all loans that had properties in flood zone. Ensured insurances were renewed on time and new loans complied with time required to have flood determination signed before booking loan. Worked with borrower and insurance company on required insurance needed.

• Served as mentor for Credit Documentation Specialist I.
• Coordinated documentation process: Ensured proper set up of client in loan system. Initiated internal loan document request and coordinated with UW for outside counsel documents. Validated loan document for accuracy and agreement with approved terms.
• Obtained third-party vendor work (flood determinations, title work, insurance certificates, UCC searches).
• Reviewed Entity documents, worked with Mexican attorneys on all Maquila loans. Assisted in loan closing with client when requested by UW. Ensured completeness of loan package.
• Post closing activities (booked/funded loan, apply fees collected. Verify facilities were properly booked.
• Follow up to clear documentation exceptions. Coordinated process for release, substitution or addition of collateral.

• Provided assistance with both issuance and administration of corporate debt.
• Distributed interest payments from corporation to bondholders and ensured that issuer was adhering to covenants of bond agreement.
• Processed bond's interest and principal payments. Handled registration, transfer and payment of bonds.
• Provided proactive, high quality client service and administration