Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Mercy Calace

Pembroke Pines,FL

Summary

Resourceful Senior Client Specialist known for high productivity and efficient task completion. Specialize in client relationship management, strategic planning, and problem-solving to enhance customer satisfaction and loyalty. Excel in communication, adaptability, and teamwork, ensuring seamless operations and positive outcomes in fast-paced environments.

Overview

23
23
years of professional experience

Work History

Senior Client Specialist

First Horizon Bank
Fort Lauderdale, FL
12.2015 - Current
  • Assist in ordering appraisals, flood determinations, UCCs, and being familiar with OFAC.
  • Provide commercial lending support, such as reviewing and funding loans to commercial relationship managers.
  • Assist with maintaining Relationship Managers' portfolios, clear loan, collateral, and deposit exceptions, credit exceptions, and assist with past due fees.
  • Provide assistance to the bank's clients, such as loans, deposits, and other bank services.
  • Authorize and process payments, fees, and/or withdrawals of funds for private, commercial, and retail clients, overdrafts, or lines of credit.

Private Lending

First Horizon Bank
Fort Lauderdale, FL
12.2015 - Current
  • Responsible for the processing of loan applications from inception to closing for high-net-worth clients and complex transactions, which included construction-to-perm, LLCs, trusts, and cross-collateral transactions.
  • Responsible for adherence to bank policy and procedures.
  • Responsible for compliance with federal and state guidelines, which included, but are not limited to, ECOA, TILA, RESPA, fair lending, fair housing, and OFAC.

Senior Processor

First Horizon Bank
Fort Lauderdale, FL
12.2015 - Current
  • Processed FHA, VA, USDA, CRA, and portfolio loans.
  • The handling and processing of residential, commercial, retail, and portfolio loans.
  • Ordered wires through Federal Link, and processed funding; worked closely with post-closing.
  • Acting as a liaison between the current bank services and all portfolio loans.
  • Communicate with clients, attorneys, insurance companies, title companies, and various other professionals.

Commercial Loan Processor

Newtech Holdings
Edison, NJ
12.2008 - 12.2015
  • Preparing and processing loans.
  • Application and disbursements of draws, payroll, and account documents.
  • Provided assistance to the internal and external callers regarding the company’s products, services, and administrative support functions.
  • Acted as a highly effective liaison between the assigned builder and support services departments, while handling special projects as required.
  • Secured loan procedures were in compliance with federal and state laws.

Manager of Loan Processes

Priority Mortgage
Woodbridge, NJ
12.2001 - 12.2008
  • Manage the entire loan process from application to approval, ensuring compliance with regulatory requirements, company policies, and industry standards.
  • Continuously assessed and improved loan processing workflows, implementing best practices and technology solutions to enhance efficiency, reduce errors, and speed up turnaround times.
  • Monitor loan applications for adherence to legal, regulatory, and internal policies to mitigate risks, prevent fraud, and ensure compliance with lending laws.
  • Work closely with loan officers, underwriters, and other departments to ensure seamless communication and timely processing of loan applications, addressing any issues or roadblocks that arise.

Education

Miami Dade Community College
Miami, FL

Skills

  • Encompass
  • Microsoft Office 365
  • Calyx Point
  • NCino
  • FIS Pro
  • BSE
  • Salesforce RMS
  • InStep Sales and Service
  • RIMS appraisal
  • CMS appraisal
  • YouConnect appraisal management system
  • Organizational expertise
  • Attention to detail
  • Communication skills
  • Bilingual fluency in English and Spanish
  • Collecting and verifying personal information
  • Verifying financial records
  • Organizing loan documents
  • Verifying transaction accuracy
  • Business development expertise
  • Relationship building and management
  • Compliance monitoring

Accomplishments

  • Telephone Consumer Protection Act (TCPA)
  • Equal Credit Opportunity Act (Regulation B)
  • Loan Originator, Nationwide Licensing System, and Registry NMLS#1741195
  • Flood Disaster Protection Act
  • Military Lending Act
  • (FCRA) Fair Credit Reporting Act
  • Extending credit to bank insiders (Regulation O)
  • Recognizing and Preventing Unfair, Deceptive, or Abusive Acts or Practices (UDAAP)
  • (BSA) Bank Secrecy Act/Anti-Money Laundering (AML)
  • Community Reinvestment Act
  • Diversity Grant
  • (HMDA) Home Mortgage Disclosure Act

Timeline

Senior Client Specialist

First Horizon Bank
12.2015 - Current

Private Lending

First Horizon Bank
12.2015 - Current

Senior Processor

First Horizon Bank
12.2015 - Current

Commercial Loan Processor

Newtech Holdings
12.2008 - 12.2015

Manager of Loan Processes

Priority Mortgage
12.2001 - 12.2008

Miami Dade Community College

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Mercy Calace