Summary
Overview
Work History
Skills
Timeline
Generic

Pharin Dy

Dracut,MA

Summary

Results-driven banking professional with over a decade of experience in Small Business, Commercial, SBA, and Residential lending. Highly organized and detail-oriented individual with a proven track record of surpassing production and quality goals. Analytical mindset complemented by excellent interpersonal, verbal, and written communication skills.

Overview

18
18
years of professional experience

Work History

Residential Loan Analyst

First Republic Bank
Boston, USA
05.2022 - 05.2023
  • Determined eligibility of loan applicants for property purchase
  • Analyzed documentation for income, assets, LTV & DTI, and overall creditworthiness
  • Reviewed asset statements, credit reports, and other real estate owned by clients
  • Prepared comprehensive credit analyst summaries
  • Collaborated with relationship managers and attorneys to ensure document accuracy
  • Facilitated property abstract, survey, appraisal document reviews
  • Ensured compliance with disclosures, tolerances, and investor requirements.

SBA Commercial Production Loan Specialist III

Eastern Bank
Boston, USA
02.2015 - 05.2022
  • Supported commercial and small business lending, managing and structuring SBA deals
  • Conducted client meetings, assessed needs, and developed improvement plans
  • Reviewed loans for policy and SBA SOP compliance
  • Assessed bankers' credit analyses and prepared underwriting documents
  • Managed due diligence items and generated SBA documentations via Etran
  • Presented small business assistance programs and created monthly SBA loan reports
  • Processed SBA liquidation deals and facilitated Express Platform functions
  • Updated procedures and attended SBA events for industry updates.

Commercial Loan Processor

Eastern Bank
Boston, USA
  • Collaborated with business bankers to review loan packages and determine SBA necessity
  • Managed and approved various types of microloans via B2B platform
  • Ensured accuracy and completeness of loan files
  • Processed SBA liquidation deals and supported Express Platform functions
  • Managed an assigned pipeline of approved loan applications.

Small Business Loan Administrator Supervisor

TD Bank
Burlington, USA
09.2005 - 02.2013
  • Oversaw pipeline and work assignments, resolving complex issues
  • Verified accuracy of information with regulatory impact
  • Conducted credit analysis on loans under $50K
  • Supervised and mentored employees
  • Assisted with team production and ensured deadlines were met
  • Provided detailed knowledge base support to customers.
  • Involved in Integration Project, mapping sessions, testing, and training
  • Rewrote procedures and workflow.

Commercial Loan Administrator III

TD Bank
Burlington, USA
  • Provided customer service and loan administrative support
  • Ensured accurate data input and regulatory compliance
  • Interacted with internal staff for timely loan processing
  • Managed paperwork and addressed discrepancies.

Collateral Specialist

TD Bank
Burlington, USA
  • Responsible for document organization and delivery
  • Assisted with file retrieval and reviewed renewal loan packages
  • Monitored pipelines to track loan status.

Skills

  • Financial Analysis
  • Risk Management
  • Credit Evaluation
  • Regulatory Compliance
  • Risk Mitigation
  • Customer Relationship Management
  • Team Collaboration
  • Market Analysis

Timeline

Residential Loan Analyst

First Republic Bank
05.2022 - 05.2023

SBA Commercial Production Loan Specialist III

Eastern Bank
02.2015 - 05.2022

Small Business Loan Administrator Supervisor

TD Bank
09.2005 - 02.2013

Commercial Loan Processor

Eastern Bank

Commercial Loan Administrator III

TD Bank

Collateral Specialist

TD Bank

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