MICHELLE KOS
Prosperity Bank
McKinney,TX
21
years of professional experience
Loan administration professional with experience in loan processing, compliance, and documentation. Strong focus on team collaboration and results-driven performance. Adept at managing client relationships and ensuring accuracy in all transactions. Known for reliability, adaptability, and keen understanding of financial regulations and industry standards.
Work History
Loan Administration Specialist III
2 Months- Administered funding and onboarding of commercial loans while ensuring adherence to state and federal regulations.
- Conducted thorough reviews of loan documentation to confirm accuracy and uniformity, ensuring all loan approval stipulations were satisfied prior to loan funding.
- Evaluated title policy, survey, settlement statement, and warranty deed verifying legal description, loan amount, and any exceptions to facilitate seamless loan funding.
- Facilitated preparation of loan documentation using LaserPro software.
- Coordinated interactions between lending officers, lending assistants, and title companies to enhance efficiency in loan closures.
- Executed comprehensive audits of loan files to ensure data integrity and accuracy in records management.
Sr. Commercial Loan Specialist
6 Years 7 Months- Prepared loan documents in Laser Pro, aligning with loan approval to facilitate timely funding processes.
- Reviewed attorney prepared and LaserPro prepared documents prior to funding and boarding.
- Funded and boarded loans in accordance with approved terms and conditions, verifying signors, advance rates, covenants, and borrowing base to ensure compliance with loan approval requirements.
- Validated loan packages for accuracy and requested additional information to complete loan documents in Laser Pro, ensuring compliance with underwriting standards.
- Worked with loan officers, borrowers, title companies and attorneys during the funding process.
Commercial Loan Specialist
2 Years- Reviewed supporting documents for completeness upon loan approval
- Review loan application and closing documents with client
- Order title insurance from providers to ensure property ownership verification, appraisal, insurance, flood analysis, environmental report
- Order title, appraisal, insurance, flood analysis, environmental report
- Cultivated relationships with builders for new loan requests, renewals, and draw requests
- Maintained relationships with all branch builders regarding new loan requests, renewals, draw requests.
Assistant Manager
2 Years 1 Month- Conducted job interviews, led employee performance evaluations, and rewarded top performers to improve retention of quality personnel.
- Oversaw daily operations and maintenance of multiple properties to ensure optimal performance and tenant satisfaction.
- Supervised and inspired a team of 10 employees to enhance productivity and morale.
- Conducted frequent market analysis to identify trends and inform strategy.
- Maintained accounting system for all tenant transactions
- Coordinated social events for the complex to promote community engagement.
Sr. Commercial Lending Assistant / EVP
9 Years 10 Months- Supported loan officers in acquiring and verifying application data to streamline processing.
- Delivered exceptional client service through timely follow-up communication to enhance satisfaction.
- Fostered client retention and loyalty by providing proactive status updates on loan progress.
- Provided superior client service through follow-up communication.
- Maintained client retention and loyalty through proactive status updates.
- Managed several simultaneous projects to ensure timely completion and quality results. and tasks to ensure high quality and timely delivery.
- Respected the confidentiality and privacy of each client's finances and handled loan rejections with professionalism
Education
Bachelor of Science - Business Management
Skills
Client relationship management
Funding / Booking
LaserPro preparation
Collaboration and teamwork
Credit analysis proficiency
Regulatory compliance
Loan documentation
Loan processing
Project prioritization
Document management
Analytical and critical thinking
Precision
DNA
Jack Henry
Xperience
NCino
Timeline
Loan Administration Specialist III
Texas Security Bank
06.2026 - CurrentRead More
Sr. Commercial Loan Specialist
Prosperity Bank
01.2020 - CurrentRead More
Commercial Loan Specialist
Texas Bank
09.2017 - 09.2019Read More
Assistant Manager
Bright Realty LLC
08.2015 - 09.2017Read More
Sr. Commercial Lending Assistant / EVP
American Bank of Texas
08.2005 - 06.2015Read More
Texas Tech University
Bachelor of Science from Business Management
Read More