Patricia “Patty” Beck
Loan Processor -SBA and Commercial
Sacramento,CA
Summary
I am looking for a full time, challenging Loan Processor/Closer position. I have been processing, closing and reviewing SBA and Commercial loans for many years. I am a positive, motivated and detail oriented person. I close loans quickly while remaining in compliance. I have held various positions in Lending over the years from Sales, Administrative, Review, Processing. Funding and as the Closing Manager for a CDC. I feel I have an excellent understanding of the many phases of Lending, of the Lender, the Borrower, Title and Escrow. I am looking for a new challenge at this time where I can be fully utilized and add value to an organization.
Overview
11
11
years of professional experience
Work History
Sr. Loan Closing Specialist/Reviewer - Paralegal
Watkins Law, APC
Sacramento, CA
08.2022 - 05.2023
- Verified loan documentation for accuracy and completeness.
- Prepared closing documents such as promissory notes, deeds of trust, and disclosure statements.
- Reviewed title reports to ensure that all liens were satisfied prior to closing.
- Ensured compliance with federal regulations related to real estate lending laws.
- Conducted post-closing reviews of completed loans for accuracy and completeness.
- Reviewed final documents for accuracy before disbursing funds at closing.
- Reviewed title commitment and insurance policies to support pre-closing documentation.
Sr. SBA Loan Closing/Servicing Specialist
Tri Counties Bank
Roseville, CA
02.2022 - 08.2022
- Performed detailed loan servicing activities, including payment processing and reconciliation of loans.
- Analyzed customer data to ensure accuracy in the system and compliance with regulations.
- Monitored daily reports to identify discrepancies and errors in loan information.
- Resolved customer inquiries regarding account status and payments.
- Conducted research on mortgage loan documents to review accuracy of terms and conditions.
- Developed strategies for improving operational efficiency within the department.
- Evaluated borrower accounts for potential delinquencies or defaults, implementing corrective action when necessary.
- Assisted customers with financial hardship situations, such as forbearance plans or loan modifications.
- Answered questions and advised customers regarding loans and transactions.
- Worked with third-party vendors to address and clear loan closing requirements.
- Assembled and compiled documents for loan closings.
- Prepared and delivered loan documents to title and escrow teams.
- Prepared and typed loan applications, closing documents or legal documents using computers.
- Reviewed customer accounts to determine on-time payments and loan terms compliance.
- Ordered property insurance or mortgage insurance policies to protect against loss on mortgaged property.
Sr. Commercial Loan Processor
Safe Credit Union
Folsom, CA
01.2021 - 02.2022
- Reviewed loan applications to ensure accuracy and completeness of information provided.
- Prepared, analyzed and evaluated credit packages for presentation to lenders.
- Processed loan documents in accordance with established policies and procedures.
- Performed quality control audits to ensure compliance with all regulatory requirements.
- Assisted in the preparation of financial statements and other documentation as needed by lenders.
- Maintained accurate records of all loan processing activities.
- Communicated effectively with internal staff members, customers, lenders and other stakeholders throughout the entire loan process.
- Developed strong relationships with customers through excellent customer service skills.
- Collaborated with management team on special projects involving new products and processes for improved efficiency.
- Participated in training sessions to stay abreast of industry trends and best practices.
- Organized loan files, updated databases, prepared general correspondence and communicated with stakeholders.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Created and completed loan submission packages.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
SBA 504 Closing Manager
GSCDC Capital Funding
North Highlands, CA
03.2012 - 03.2020
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Learned and adapted quickly to new technology and software applications.
- Strengthened communication skills through regular interactions with others.
- Worked well in a team setting, providing support and guidance.
- Delivered services to customer locations within specific timeframes.
- Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
- Developed and maintained courteous and effective working relationships.
- Managed time efficiently in order to complete all tasks within deadlines.
- Excellent communication skills, both verbal and written.
- Proven ability to develop and implement creative solutions to complex problems.
- Demonstrated strong organizational and time management skills while managing multiple projects.
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
Education
High School Diploma -
Mira Loma High School
Sacramento, CA06.1978
Skills
- Application Review
- Data Collection
- File Management
- Regulatory Compliance
- Loan Disbursement
- Calculations Review
- Customer Account Review
- Loan Application Preparation
- Legal Documentation
- Regulatory Compliance Documentation
- Problem-Solving
- Data Entry
- Property Appraisals
Timeline
Sr. Loan Closing Specialist/Reviewer - Paralegal
Watkins Law, APC
08.2022 - 05.2023
Sr. SBA Loan Closing/Servicing Specialist
Tri Counties Bank
02.2022 - 08.2022
Sr. Commercial Loan Processor
Safe Credit Union
01.2021 - 02.2022
SBA 504 Closing Manager
GSCDC Capital Funding
03.2012 - 03.2020
High School Diploma -
Mira Loma High School
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