Summary
Overview
Work History
Education
Skills
Timeline
Generic

Pam Thomas

Rockdale

Summary

Multi-talented professional with expertise in financial administration, revenue generation, and strategic planning. Proven track record of driving operational improvements and achieving business objectives through effective leadership and team management. Strong organizational and communication skills enhance ability to navigate complex industry operations. Committed to delivering results through adaptive execution and sound judgment.

Overview

24
24
years of professional experience

Work History

Executive Lending Assistant Manager

First National Bank of Bastrop
Bastrop
05.2022 - Current
  • Prepare commercial loan closing packages according to guidelines established by the Bank in a timely and accurate manner; Reviews loan packages for accuracy prior to delivery to the Banker
  • Coordinate closings with lenders, attorneys, insurance agents and customers
  • Order title searches, UCC searches, appraisals and flood certifications as needed
  • Approve the disbursement of closing funds and issues loan proceeds checks and wires
  • Review closed and funded loans for document completion, ensure that loans are booked in a timely and accurate manner
  • Contact settlement agents, register of deeds and title insurance agencies to obtain post-purchase documentation as necessary. Maintain a tickler system on outstanding insurance policies and any other post-closing documentation (collateral and exception monitoring) and reports on status during weekly meetings
  • Prepare and process new accounts and fund transfers as related to loans. Maintains customer account records and performs basic service transactions such as address changes and accepting loan payments
  • Provide exceptional client service through offering assistance and responding to questions and requests for information for clients. Informs Bankers of pertinent information
  • Ensure the accuracy and uniformity of legal and loan documents, which minimizes the risk of loss to the Bank
  • Ensure loans are closed and maintained in accordance with regulatory requirements, as well as Bank policies and guidelines
  • Maintain financial statements/tax return reports, exception reports and insurance reports daily and updates loan officers monthly on any outstanding documents needed
  • Review Past Due reports, Balance Summary reports, Closed Account reports and alert Banker to any material changes or upcoming deadlines
  • Fund and authorize the release of loan funds based on loan approvals and contractual requirements
  • Assists Bankers in development of cross-selling and other sales activities and opportunities when appropriate
  • Remain knowledgeable of all State and Federal lending and documentation regulations as well as Bank policies and guidelines ensuring compliance
  • May be asked to coach, mentor or train others as a subject matter expert
  • Provide support (filing, scanning, email / mail correspondence, etc.) to Bankers
  • Provide back-up support to other Loan Assistants

Executive Lending Assistant, Lead

Independent Bank
Round Rock
05.2013 - 05.2022
  • Coordinate loan due diligence with various third parties including loan processors and/or customers
  • Prepare and review loan due diligence for processing, closing and post-closing administration, as needed
  • Conduct loan closings and disburse funds, as needed
  • Prepare advances on line of credit loans as approved by banker. Prepare and review borrowing bases and calculations of available funds
  • Prepare loan packages and renewals for loan officers, including basic underwriting and verification of following bank lending guidelines
  • Assist bankers with ongoing file maintenance including past due reports/notices, insurance management, compliance exceptions, problem solving and contacting customers if needed
  • Prepare and maintain construction loan records including construction draws, floor plans and letters of credit
  • Gather and review loan due diligence which include processing, reporting, administration and closing. Resolve problems related to content of documentation
  • Liaison for customer and third party inquiries throughout for the lending relationship including but not limited to facilitating loan documentation, payment amounts, credit information, and resolves associated problems
  • Review and coordinate resolution of NSF items and prepare wire transfers as needed
  • Adhere to operational controls to ensure safety and security of customers and banks assets including legal, corporate, and regulatory procedures and policies
  • Perform administrative functions for the department including typing memos, letters, answering and directing calls, report distribution, and file management
  • Manage and train other lending assistants for Williamson County

Commercial Loan Closer II

BBVA Compass Bank
Austin
01.2011 - 05.2013
  • Responsible for reviewing loan approvals, preparing checklists and performing due diligence on loan requests
  • Work with Attorneys, Sales Associates, and Clients to obtain all required documents to perfect liens
  • Be knowledge regarding policies to ensure all proper approval is obtained, as well as work to obtain it
  • Understand many different types of collateral from Account Receivables, Equipment, Cattle, Real Estate, to name a few
  • Follow up on all recording that are done to ensure our loan is perfected, as well as follow up on computer systems to make sure customer impact is kept at a minimum
  • Back up for the team lead when out of the office, which includes reviewing other closer’s loan packages, approving documents to be released for closings, review packages post closing for fundings, working through situations that arise that need to be brought to higher management
  • Providing excellent customer service not only to our clients, but also to our sales staff and back office clerks

Assistant Branch Manager

BBVA Compass Bank
Austin
01.2004 - 01.2011
  • Responsible for managing the banking center operationally and for ensuring excellent customer service
  • Balance customer satisfaction with increased sales productivity through lobby management
  • Run a teller drawer, open consumer and business DDAs, complete loan applications, open CDs and MMAs, handle customer issues, prepare material for weekly meetings, make decisions on managing customer’s delinquent accounts, and manage employee issues
  • Provide backup to the Branch Retail Executives in their absence
  • Contact customers to let them know of products and features that are available for better financial management
  • Responsible for daily career development of the Branch Associates
  • Ensure branch is in compliance to pass monthly audits

Assistant Banking Center Manager

Bank of America
Austin
01.2003 - 01.2004
  • Responsible for offering financial products and services to consumer customers
  • Responsible for guiding and leading the sales and service activities to the consumer customer
  • Managed service and operations activities to ensure excellent service delivery and maximize banking center profitability by reducing losses and fostering teamwork
  • Recruited, interviewed, and hired tellers
  • Approved customer transactions, resolved customer issues and processed teller transactions when necessary
  • Provide backup to the Banking Center Manager in his absence

Senior Teller

Bank of America
Austin
01.2001 - 01.2003
  • Performed daily transactions with customers
  • Handled basic service issues as well as insured accurate and timely transactions with courtesy and friendliness

Education

Finance - Major

Southwest Texas State
San Marcos, TX
01.2003

High School Diploma -

Rockdale High School
Rockdale, TX
01.1999

Skills

  • Customer service and support
  • Problem solving and analysis
  • Loan documentation and processing
  • Financial analysis and risk assessment
  • Closing coordination and compliance
  • Cross-selling strategies
  • Attention to detail
  • Effective communication skills
  • Client relationship management
  • Customer retention strategies
  • Leadership and staff development
  • Partnership building

Timeline

Executive Lending Assistant Manager

First National Bank of Bastrop
05.2022 - Current

Executive Lending Assistant, Lead

Independent Bank
05.2013 - 05.2022

Commercial Loan Closer II

BBVA Compass Bank
01.2011 - 05.2013

Assistant Branch Manager

BBVA Compass Bank
01.2004 - 01.2011

Assistant Banking Center Manager

Bank of America
01.2003 - 01.2004

Senior Teller

Bank of America
01.2001 - 01.2003

Finance - Major

Southwest Texas State

High School Diploma -

Rockdale High School

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