Summary
Overview
Work History
Education
Skills
Career Highlight
Timeline
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Patricia Welzyn

Chicopee,MA

Summary

Dedicated, hardworking individual, with a proven track record of tracking, implementing and following policies and procedures, set forth by the company and regulations by the government. Think outside the box to proactively seek out cost saving initiatives. Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand.

Overview

25
25
years of professional experience

Work History

Credit Analyst

New Valley Bank and Trust
Springfield, MA
07.2022 - Current
  • Write Detailed Credit Memos based on confidential Financial Statements and or Tax Returns
  • Recommended approval or denial of credit memos based on creditworthiness
  • Created, implemented and manage financial tracking software
  • Created, implemented and manage policy exception software.

Lead Customer Service Manager

David's Bridal
West Springfield, MA
08.1999 - Current
  • Training, cross training and mentoring Customer Service Representatives and Stylists
  • Schedule staff up to approximately 20 staff members during 'Bridal Christmas'
  • Assist the manager in promotions to increase 'head to toe' sales
  • Ensure that all staff are giving extraordinary customer service.

Junior Credit Analyst/Commercial Loan Administrator

North Brookfield Savings Bank
Ware, MA
05.2012 - 07.2022
  • Instrumental in compliance and regulatory policies were met for Commercial Loan Closings, including CIP, HMDA, and CRA
  • Worked closely with Lenders, Attorneys, Appraisers to ensure timely closings
  • Maintaining legal documents in paper files for each Commercial Client
  • Proofread all closing documents for accuracy before closing.

Residential Loan Servicing Coordinator

Windsor Federal Savings and Loan
01.2021 - 05.2021
  • Fund New Loans-export and process all boarding activities
  • Package New Loan Files for HMDA Review and Quality Control
  • Mortgage Releases
  • Maintain Departmental Reports
  • Act as Liaison between bank and Attorneys and third party vendors
  • Maintain Construction Loan Portfolio.

Business Lending Specialist

PeoplesBank
11.2018 - 12.2020
  • Accurately Spread Financial Documents for new requests and annual reviews
  • Complete new loan presentation for Loan Officer
  • Verify all new applications, modifications, renewals and extensions are complete
  • Monitor pipeline report for updates and accuracy
  • Complete reports for all Watched Assets
  • Monitor report for all delinquent loans
  • Update all new requests for HMDA, CRA and CD.

Commercial Loan Administrator

The First National Bank of Suffield
09.2015 - 11.2018
  • Complete new loan documents for Lenders
  • Oversaw Compliance of Commercial Lending Department (including CIP Program)
  • Quality Control of all new loan documents for accuracy of data
  • Pulling Flood Certifications, Environmental Reports and Appraisals
  • Quality Control of all loan packages
  • UCC Filings, searches and maintenance
  • Assisted the Loan Departments (Consumer, Mortgage and Commercial) in training new software during acquisition
  • Maintain Construction Budgets, Disbursements and Inspections.

Assistant Manager

The First National Bank of Suffield
04.2013 - 09.2015
  • Staff Schedules
  • Teller Reviews, training, coaching and mentoring
  • Manage Branch Portfolio
  • Create sales promotions to increase customer base
  • Business Calls
  • Referrals to Commercial Department
  • Underwrite Home Equity and Mortgage Loans-recommend for approval or denial.

Education

MBA -

American International College
01.2018

Bachelor's Degree - Psychology

Bay Path University
01.2012

Associate's Degree - Psychology

Holyoke Community College
01.2010

Skills

  • Regulation and Compliance
  • Collaboration w/Departments
  • Loan Operations
  • Staff Scheduling
  • Maintain Department Calendar
  • Completed Audits
  • Vendor Due Diligence
  • Budget Management
  • Liaison w/Attorneys
  • Oral and Written Communications
  • Financial Statement Review
  • Data Interpretation
  • Risk Assessment
  • Financial Forecasting
  • Report Analysis
  • Statement Review

Career Highlight

  • Collaboration: Collaborated with a new customer and a new attorney on a new $5 Million Dollar New Loan after many hurdles and was able to get it on the books by deadline.
  • Staff Management: lowest turnover rate in my branch due to Coaching, Mentoring and Teamwork. Showing positive reinforcement often, and learning opportunities when issues arose.
  • Training: Was the point person to train the staff with the new computer system during successful Bank acquisition.

Timeline

Credit Analyst

New Valley Bank and Trust
07.2022 - Current

Residential Loan Servicing Coordinator

Windsor Federal Savings and Loan
01.2021 - 05.2021

Business Lending Specialist

PeoplesBank
11.2018 - 12.2020

Commercial Loan Administrator

The First National Bank of Suffield
09.2015 - 11.2018

Assistant Manager

The First National Bank of Suffield
04.2013 - 09.2015

Junior Credit Analyst/Commercial Loan Administrator

North Brookfield Savings Bank
05.2012 - 07.2022

Lead Customer Service Manager

David's Bridal
08.1999 - Current

MBA -

American International College

Bachelor's Degree - Psychology

Bay Path University

Associate's Degree - Psychology

Holyoke Community College
Patricia Welzyn