Michael Robinson
Overview
11
11
years of professional experience
Work History
Credit Delivery Analyst - Loan Closer
Texas Capital Bank
07.2022 - 11.2023
- Prepare complete loan packages using LaserPro.
- Review attorney prepared documentation and ensure that all loan documents are accurate and complete.
- Perform complete Legal Entity Review for all entity types determining which members(s) or manager(s) can execute legal documents.
- Order and perform review of UCC Search.
- Lead a variety of pre-close activities for moderately complex to complex commercial loans.
- Daily work prioritization; scheduling multiple tasks within approved service level requirements.
- Independent determination of all documents required on each loan requests, regardless of original requests from lending units.
- Use personal judgment to determine material deviation from bank or credit policy and need to escalate issue.
- Collaborate with legal counsel to address any legal concerns and facilitate the resolution of issues during the closing process.
- Review legal documentation against credit approval to ensure deal terms are documented as approved.
- Structure the terms of the deal in LaserPro.
- Obtain closing borrowing base (if applicable), and board to loan system.
- Obtain and review internal funds flow documentation to account for funds at closing.
- Complete KYC (Know Your Customer) prior to close.
- Manage deal collateral, margined collateral, UCC's, title, real estate, and possessory collateral.
- Collect, review, and analyze all required due diligence based on collateral type.
- Manage post-closing requirements, weekly past due and maturing loan reports.
- Ensure timely processing of transactions to minimize risk and re-work, and to meet and exceed customer expectations.
- Assist in the evaluation of the assets being used as collateral for the loan.
- Monitor the value and status of assets throughout the loan period.
- Maintain clear and effective communication with all involved parties throughout the loan closing process.
- Provide regular updates and reports to management regarding the status of loan closings.
- Prepare Private Wealth legal documentation using LaserPro.
- Prepare SBA Express legal documentation using LaserPro.
- Assist with testing new system rollouts.
Loan Document Processor
Wells Fargo
04.2019 - 07.2022
- Review and verify loan documentation to ensure accuracy and compliance with established policies and regulations.
- Collaborate with loan officers, underwriters, and other relevant parties to gather necessary information and resolve any discrepancies in loan documentation.
- Coordinate the funding process, which includes preparing funding packages, disbursing funds, and ensuring all necessary paperwork is completed accurately.
- Stay up-to-date with industry regulations and compliance standards to ensure all loan transactions adhere to legal requirements.
- Conduct thorough quality checks on loan files to identify any potential issues or errors before funding.
- Address and resolve any issues or discrepancies that may arise during the funding process, working closely with internal teams and external partners.
- Maintain organized and complete loan files, ensuring all documentation is properly filed and archived for future reference.
- Generate reports on funding activities, track key performance indicators, and provide regular updates to management.
- Communicate with customers as needed to clarify information, address concerns, and provide assistance during the funding process.
Loan Closer - Community Banking
Bank Of The Ozarks
05.2015 - 03.2019
- Mastery in using LaserPro for loan document generation, ensuring high accuracy and efficiency.
- Update and maintain loan documentation templates within LaserPro.
- Compile and assemble loan documents using LaserPro for various types of loans.
- Conduct thorough reviews of completed documents to ensure error-free and compliant outputs.
- Act as the primary liaison between the lending team and clients regarding documentation requirements and queries.
- Provide training and support to team members and clients on using LaserPro software effectively.
- Customize LaserPro settings and templates to align with specific loan product requirements and company policies.
- Configure LaserPro for integration with other banking systems for seamless data transfer and processing.
- Identify and implement process improvements in the loan closing workflow using LaserPro to enhance efficiency and accuracy.
- Stay abreast of new LaserPro features and updates, incorporating them into the loan closing process.
- Monitor and manage risks associated with loan documentation and ensure strict adherence to internal and external compliance regulations.
- Collaborate with the compliance team to update and refine loan documentation processes in LaserPro based on regulatory changes.
- Provide exceptional customer service during the loan closing process, addressing client concerns and ensuring clarity in documentation.
- Communicate effectively with clients to gather necessary information and documentation for loan processing.
- Collaborate with different departments, such as underwriting and legal, to ensure cohesive and efficient loan closing operations.
- Participate in cross-functional meetings to discuss and resolve complex loan documentation issues.
Teller Supervisor
Centennial Bank
09.2012 - 05.2015
- Facilitated bi-weekly audits at branch and weekly audits of teller drawers to ensure quality.
- Supervised daily opening or closing operations of the branch.
- Oversaw the daily workflow of ATM and cash vault.
- Coached and developed employees.
- Ensured adequate staffing each day.
- Assisted with hiring, reviews, training, and monitored the work of the staff.
Education
Bachelor of Arts - Applied Communication
University of Arkansas At Little Rock
Little Rock, AR05.2019
Certificate of Proficiency - Spanish Language and Literature
University of Arkansas At Little Rock
Little Rock, AR05.2019
Skills
- iLien
- Commercial Lending
- Asset Based Lending
- Laser Pro
- Cross-functional Collaboration
- ACBS
- Consumer Lending
- Process Improvement
- Banking
- Legal Document Preparation
- Legal Compliance
- Time Management
Timeline
Credit Delivery Analyst - Loan Closer
Texas Capital Bank
07.2022 - 11.2023
Loan Document Processor
Wells Fargo
04.2019 - 07.2022
Loan Closer - Community Banking
Bank Of The Ozarks
05.2015 - 03.2019
Teller Supervisor
Centennial Bank
09.2012 - 05.2015
Bachelor of Arts - Applied Communication
University of Arkansas At Little Rock
Certificate of Proficiency - Spanish Language and Literature
University of Arkansas At Little Rock
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