Michelle McLean
Shawnee,OK
Summary
Dependable and professional with a strong track record of success in crucial projects. Possessing the ability to deliver swift and efficient results sets this candidate apart. With over 20 years of experience in people management and work execution, exceptional interpersonal skills have been perfected. Specializing in the financial sector, I bring 18 years of expertise, including 12 years dedicated to loan operations and 5 years in commercial loans.
Overview
15
15
years of professional experience
Work History
Complex Commercial Loan Servicing Specialist III
Bank of Oklahoma Financial
Midwest City, OK
09.2022 - Current
- Responsible for processing and validation of a diverse range of monetary transactions, maintenance activity and boarding operations related to consumer, commercial and complex loans spanning the footprint of the bank, problem solving-skills, independent analysis, and sound judgement. These skills are instrumental in offering support and delivering exceptional customer service to various internal business partners across all markets, external customer and syndicated member lending institutions. Analyzes loan agreements, loan worksheets, and commitment reports to complete appropriate system boarding. My role is pivotal in maintaining the smooth operation and integrity of our loan servicing processes, ensuring that the loan functions as required on the ACBS/CLS system
- Works with clients, lenders, processors, closers, sales leaders, and more. Relationship Managers come to me for answers, I help solve problems, overcome challenges and relieve pressure to ensure positive client experience. Co-workers including Seniors come to me for guidance and management comes to me anytime they need an extra task completed timely and efficiently
- Oversees assigned commercial portfolio and able to backup desks as needed and share responsibility of overall consumer and commercial portfolio. I have become the expert for my portfolio and ensure all loans are in balance
- Enters data and controls quality of new and renewed loans to the loan system within each host system; maintains and services loans consumer and commercial loans; evaluates documents to include commitments, loan/credit agreements, etc. Calculates advance interest accruals; interprets system requirements; balances entries; books and services complex commercial loans such as participation loans, borrowing base loans, rate option loans, letters of credit; interprets documentation to decide proper system setup
- Completes payment and advance entry to system and ensures distribution or collection of funds for daily activity with all participant or member bank requirements
- Creates and maintains written department procedures
- Maintains extensive contact with internal and external business partners, researches and resolves complex problems; reviews legal documentation to ensure process and system integrity
Senior Commercial Loan Servicer
The State of Alaska AIDEA
Anchorage, AK
06.2021 - 07.2022
- Serviced AIDEA and AEA’s entire loan portfolio by inputting new loans into the Navision financial management system, ensured the timely processing of loan payments, entered approved loan modifications into the Navision accounting system, enforced the terms of servicing agreements, discussed servicing disputes with the servicing banks, and clarified policies and procedures as they pertained to the servicing of the loans
- Trained and delegated work to the Loan Servicing Technician and the Commercial Loan Assistant and ensured the accuracy of her work
- Answered general questions for Loan Officers regarding all servicing of loans and provided any information requested
- Logged applications, maintained loan database by tracking commitments and disbursements, inputted new loans, disbursed loans, prepared invoices, and applied payments
- Created new reports, updated established reports, pulled canned reports to distribute information regarding loan portfolio, delinquency reports, trial balances, portfolio diversification, outstanding commitments, funds available for loan programs, and any other information needed by management on a day-to-day basis
- Prepared monthly invoices for direct-serviced loans and prepared year-end statements and IRS forms for direct-serviced loans
- Answered questions and provided training on the Navision financial management system relating to loan servicing to all others at AIDEA and AEA
- Identified calculation problems and enhancements necessary for day-to-day processes and also implemented new processes to fully utilize the potential of the loan system
- Documented and updated procedures to all loan servicing processes
Commercial Loan Processor and Servicer
Matanuska Valley FCU
Eagle River, AK
07.2019 - 05.2021
- Retrieved all documents required to get loan to closing
- This includes, but is not limited to, credit reports, flood reports, payoff requests, preliminary title reports, appraisal orders, insurance binders, legal searches, contamination site searches, DMV title work, and any other items requested by the loan officer
- I communicated with title companies, real estate agents, insurance agents, dealerships and borrowers daily
- Input all data needed into LaserPro and Symitar and prepared all closing documentation for every commercial loan, including real estate loans with multiple borrowers, guarantors and collateral
- Set up closings and balanced with Title Companies
- Booked and funded all commercial loans in Symitar, processed payments, created payment transfers, completed insurance & UCC tracking information, prepared payoff statements, balanced construction receipts and completed construction loan draw request forms, processed construction loan advances & line of credit advances, completed GL transactions and appraisal fee collections
- Ensured collection of final documents and the proper stacking, filing and upkeep of commercial loan files
Loan Quality Specialist
Tinker Federal Credit Union
Oklahoma City, OK
12.2016 - 06.2018
- Reviewed consumer loans to ensure all TFCU loan policies, procedures, underwriting guidelines, loan grid and internal policies were followed
- Communicated and educated branches of concerning errors, assisted branches with questions concerning loans and made proper resolutions
- Assisted my department manager and supervisor anyway possible
Support Specialist
Tinker Federal Credit Union
Oklahoma City, OK
12.2015 - 12.2016
- Reviewed deposits on mobile deposit and reviewed teller capture, which was all checks deposited by Teller's and Member Service Officers
- Reviewed and funded Unsecured Promotional, Secured Promotional loans and Branch Letter checks for auto loans
- Audited the Student Loan portfolio monthly and keep it all up to date
Lending Coordinator
Tinker Federal Credit Union
Oklahoma City, OK
02.2014 - 12.2015
- Audited all loans the Loan Analysts approved/denied for the previous day
- Prepared all documents required for weekly loan review, I would select which loans would be reviewed and which Loan Analysts, Branch Managers and Supervisors would attend
- I also took all notes in the loan review meeting while looking over the Loan Analyst's/Supervisor's decision and if all appropriate loan closing procedures were documented and completed
- Sent loan closing paperwork via Doc-U-Sign to members and would fund loans to TFCU's system
- Gathered all month end loan numbers and imputed into Excel spreadsheets
Indirect Lending Loan Processor
Tinker Federal Credit Union
Oklahoma City, OK
05.2012 - 02.2014
- Delivered prompt, accurate and excellent member service to members, dealership personnel and title clerks
- Audited contracts from dealerships to ensure all paperwork was completed correctly (the member signed everything, we had the lien release when needed, the title assignment was correct, and many other small yet important details) if incorrect I contacted the member or the appropriate dealership employee to get the problem resolved quickly
- Funded auto loans to TFCU's system
- Imputed all data into the system correctly
Loan Processor
Tinker Federal Credit Union
Oklahoma City, OK
11.2010 - 05.2012
- Filed and distributed completed packages in a timely manner for- Mortgage Lending, Indirect Lending and Document Imaging
- Helped members, dealerships and other employees via telephone and email in order to answer questions, process lien releases and resolve issues
- Worked the Paid Loan Report daily and put what notes were needed on our system
- Filed and released Liens
Teller
Tinker Federal Credit Union
Oklahoma City, OK
11.2009 - 11.2010
- Adhered to financial services security and audit procedures
- Directed specific questions to appropriate branch personnel
- Kept an accurate teller drawer to handle all customer transactions
- Delivered prompt, accurate and excellent member service
- Recommended additional products, services and benefits for members
Education
Diploma -
McLoud High School
McLoud, OKBusiness
Rose State College
Midwest City, OKSkills
- Fast learner
- Approachable
- Self-Motivated
- Positive
- Experienced in LaserPro, Symitar, ACBS/CLS, Microsoft Work, Microsoft Outlook, Excel,
- Strong analytical skills
- Payment processing
- Loan servicing experience
- Loan processing expertise
- Teamwork and collaboration
- Problem-solving
- Time management
- Attention to detail
- Problem-solving abilities
- Multitasking Abilities
- Reliability
- Excellent communication
- Critical thinking
- Organizational skills
- Active listening
- Adaptability and flexibility
- Organization
Accomplishments
- Found an error in a programming system and saved numerous loans from being out of regulation.
- Continuously getting recognized for completing tasks quickly and efficiently, attention to detail and helping co-workers and supervisors solve problems.
- Employee of the quarter
Timeline
Complex Commercial Loan Servicing Specialist III
Bank of Oklahoma Financial
09.2022 - Current
Senior Commercial Loan Servicer
The State of Alaska AIDEA
06.2021 - 07.2022
Commercial Loan Processor and Servicer
Matanuska Valley FCU
07.2019 - 05.2021
Loan Quality Specialist
Tinker Federal Credit Union
12.2016 - 06.2018
Support Specialist
Tinker Federal Credit Union
12.2015 - 12.2016
Lending Coordinator
Tinker Federal Credit Union
02.2014 - 12.2015
Indirect Lending Loan Processor
Tinker Federal Credit Union
05.2012 - 02.2014
Loan Processor
Tinker Federal Credit Union
11.2010 - 05.2012
Teller
Tinker Federal Credit Union
11.2009 - 11.2010
Business
Rose State College
Diploma -
McLoud High School