Summary
Overview
Work History
Education
Skills
Timeline
Generic

MEGAN REED

Mukilteo,WA

Summary

Detail-oriented Credit manager bringing 20 years of experience assessing financial documentation, recommending improvements and maintaining ongoing monitoring. Well-versed in using MS Excel and implementing statistical analysis techniques. Accomplished in handling dynamic needs with forward-thinking mindset and expert knowledge.

Overview

24
24

Years of Work Experience

Work History

Owner/Real Estate Broker

Cascadia Realty Group
Mukilteo, WA
05.2019 - Current
  • Liaised between property owners and prospective buyers to facilitate purchase and transfer of ownership.
  • Negotiated real estate contracts to navigate transactions between buyers and sellers.
  • Established and developed real estate agency, driving recruitment and operational growth.
  • Advised clients on mortgage and housing conditions to identify successful properties and promote customer satisfaction.
  • Exceeded annual sales goals 50% with innovative sales techniques.
  • Obtained agreements from property owners to place properties for sale with real estate firms.
  • Sold high volume of properties in short timeframes to exceed quotas and maximize business revenue.

Operations Manager

Builders Capital
Seattle, WA
08.2018 - 05.2019
  • Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
  • Established positive and effective communication among unit staff and organization leadership, reducing miscommunications and missed deadlines.
  • Identified procedure or process changes required to improve performance and productivity.
  • Introduced new methods, practices and systems to reduce turnaround time.
  • Directed initiatives to improve work environment, company culture or overall business strategy.
  • Spearheaded department training to enhance employee performance and boost employee productivity.
  • Reviewed operations reports to understand numbers and trends.
  • Increased profit by streamlining operations.

Senior Credit Analyst

Builders Capital
Lynnwood, WA
06.2017 - 08.2018
  • Analyzed customer data such as financial statements to determine level of risk involved for extending credit.
  • Reviewed customer files on regular basis to make sure receivables were in sound condition.
  • Contacted customers and requested financial documentation.
  • Improved understanding of financial statements, which helped in assessing risk.
  • Complied with internal controls and government regulations.
  • Worked in tandem with sales team and customers to negotiate payments and verify account reconciliations.
  • Prioritized tasks to meet or exceed timelines and supervised multiple responsibilities at same time.
  • Assessed credit risk and analyzed financial statements.

Real Estate Broker

Keller Williams Realty
Bothell, WA
11.2016 - 06.2017
  • Guided homebuyers and sellers through the process of purchasing, selling and leasing residential real estate properties
  • Educated clients on the current real estate market and answered any questions they had
  • Audited all contracts and managed agents documentation
  • Created and maintained a large client base by meeting needs and providing exceptional customer service
  • Generated lists of properties that were compatible with buyers’ needs and financial resources

Vice President / Loan Operations Manager

Prime Pacific Bank
Lynnwood, WA
06.2011 - 11.2016
  • Implemented new bank policies and procedures
  • Restructured loan service department and organization of loan filing system
  • Assure timely and accurate HMDA and compliance reporting
  • Effectively manage crucial project deadlines while meeting all requirements
  • Assure accuracy and compliance of all department production
  • Manage day – to –day operations (staff workload, performance evaluations, team development, customer service improvement)
  • Direct involvement with senior management
  • Proficient in core report writing and Excel
  • Cooperate with outside and internal auditor requests
  • Structured SBA department and collaborated with current SBA Administrator
  • Implemented guidelines for a secondary marketing program to facilitate the sale of loan guaranties, Prepare loan sale packages and complete sale amortization schedules/entries from third party vendor

Assistant Vice President / Special Credits Officer

Whidbey Island Bank
Lynnwood, WA
12.2010 - 06.2011
  • Instrumental in managing a portfolio of problem assets
  • Developed work outs and negotiated loan terms
  • Efficiently managed the foreclosure process
  • Effectively marketed assigned acquired assets
  • Assisted with documentation and transactional data relating to the Loss/Share agreement between Whidbey Island Bank and FDIC
  • Evaluated employee work flow, developing automated systems
  • Collaborated with programmers and management team
  • Created Criticized Asset Reports for FDIC reporting on troubled loans
  • Evaluated purchase and sale agreement and liquidated assets
  • Analyzed and presented sales case writing for the FDIC
  • Performed field monitoring for construction completion and asset preservation
  • Assisted the special assets group in liquidating non-performing assets and other real estate owned properties, Implemented training program for staff

Special Credits Manager

City Bank
Lynnwood, WA
07.2007 - 03.2010
  • Recognized for handling all Other Real Estate Owned properties (OREO) portfolio of over $200 Million
  • Worked directly with attorneys during the foreclosure and lien process
  • Presided over contractors and real estate agents
  • Directed final stages of the closing process
  • Conducive in reducing bank’s loss on properties

Manager/Assistant

City Bank
Lynnwood, WA
08.1998 - 03.2010
  • Managed department and supervised a $1.2 Billion construction loan portfolio
  • Interfaced with various departments
  • Assured streamlining of departmental procedures
  • Supervised the design and implementation of integrated systems (using Access and SQL) that drastically reduced workload and created efficiency

Education

Business Management

Lake Washington Technical College
Kirkland WA

Skills

  • Process and Procedures
  • Staff Training
  • Staff Management
  • Customer Service
  • Planning and Implementation
  • Excellent Communication
  • Computer Skills MS Word, Excel, Power Point
  • Time Management
  • Documentation
  • Teamwork and Collaboration
  • Multitasking and Organization

Timeline

Owner/Real Estate Broker

Cascadia Realty Group
05.2019 - Current

Operations Manager

Builders Capital
08.2018 - 05.2019

Senior Credit Analyst

Builders Capital
06.2017 - 08.2018

Real Estate Broker

Keller Williams Realty
11.2016 - 06.2017

Vice President / Loan Operations Manager

Prime Pacific Bank
06.2011 - 11.2016

Assistant Vice President / Special Credits Officer

Whidbey Island Bank
12.2010 - 06.2011

Special Credits Manager

City Bank
07.2007 - 03.2010

Manager/Assistant

City Bank
08.1998 - 03.2010

Business Management

Lake Washington Technical College

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MEGAN REED