Pharin Dy
Workers Credit Union
Boston,MA
21
years of professional experience
Experienced credit professional with 10+ years in Commercial and SBA lending, known for strong analysis, accurate documentation, and reliable credit execution. Skilled in loan processing, risk management, compliance, and stakeholder coordination.
Work History
Senior Commercial Loan Administrator
8 Months- Prepare LaserPro loan closing packages and complete pre-closing quality checks.
- Coordinate closing follow-ups and due-diligence items (appraisals, environmental, credit, flood, UCC).
- Maintain key department tracking and support reporting through Tableau, Sageworks BI, and Finastra.
- Monitor borrower insurance, manage credit files, and support SBA operations including monthly 1502 reporting.
Commercial Loan Administrator
1 Year 3 Months- Processed commercial loan packages and ensured documentation accuracy, completeness, and compliance.
- Coordinated closings with lenders, attorneys, title companies, and borrowers; resolved documentation issues.
- Ordered and tracked due-diligence items (appraisals, environmental, credit, flood, UCC).
- Maintained credit files, portfolio ticklers, insurance tracking, and exception reporting.
Residential Loan Analyst
1 Year 1 Month- Assessed borrower income, assets, LTV, DTI, and creditworthiness.
- Reviewed credit reports, asset statements, and real estate holdings.
- Prepared credit summaries and ensured compliance with disclosures and investor requirements.
SBA Commercial Production Loan Specialist III
5 Years 4 Months- Supported SBA and commercial lending; structured SBA deals and assessed borrower needs.
- Reviewed financials, tax returns, and credit reports to determine eligibility and risk.
- Ensured SBA SOP compliance; prepared underwriting documents and managed due-diligence via Etran/nCino.
Commercial Loan Processor
1 Year 11 Months- Reviewed loan packages and determined SBA applicability.
- Managed microloan approvals via B2B/nCino and ensured loan file accuracy.
Small Business Loan Administrator Supervisor
3 Years- Oversaw loan pipeline, conducted credit analysis under $50K, and supervised staff to meet production goals.
Commercial Loan Administrator III
3 Years 11 Months- Provided administrative support for commercial lending and ensured regulatory compliance.
- Managed documentation, data input, and loan file accuracy.
Collateral Specialist
6 Months- Organized collateral documentation, reviewed renewal packages, and monitored loan pipelines.
Technical Skills
• Abrigo Sageworks • Phoenix • nCino • LoanVantage • Finastra LaserPro • COCC • Identifi • ECM • SBA Etran • Tableau
Timeline
Senior Commercial Loan Administrator
Workers Credit Union
12.2025 - CurrentRead More
Commercial Loan Administrator
North Shore Bank
09.2024 - 12.2025Read More
Residential Loan Analyst
First Republic Bank
05.2022 - 06.2023Read More
SBA Commercial Production Loan Specialist III
Eastern Bank
01.2017 - 05.2022Read More
Commercial Loan Processor
Eastern Bank
02.2015 - 01.2017Read More
Small Business Loan Administrator Supervisor
TD Bank
02.2010 - 02.2013Read More
Commercial Loan Administrator III
TD Bank
03.2006 - 02.2010Read More
Collateral Specialist
TD Bank
09.2005 - 03.2006Read More