SONIA C. ESQUIVEL

Ensured smooth processing of small business loan closures.

and reviewing closing documents for small business loans, verifying funding, and

may clear stipulations.

In this role, you will:

• Work pre-close documents for moderately complex to complex Small

Business loans

• Coordinate all aspects of loan closings

• Perform customer, loan and regulatory diligence

• Accurately evaluate and upload data into the systems of record

• Ensure compliance with all bank policies, procedures and regulatory

requirements

• Review and prepare complex loan documents

• Coordinate legal activities for loan documentation that may include

• Document purchased from third party sources, with internal staff and the

Corporate Legal group

• Serve as primary liaison between Credit, Sales, and Legal departments

• Work collaboratively with Credit, Sales and Legal regarding proper

procedures and documentation requirements necessary to ensure accuracy

with negotiated terms and ensure alignment with appropriate compliance

standards

• Review and negotiate complex legal documentation, evaluate risks, devise

strategies to mitigate documentation risk and identifying procedural

modifications

• May provide guidance and training to peers

• Collaborate and consult with peers, colleagues and managers to resolve

issues and achieve goals

• Interact with internal customers

• Receive direction from leaders and exercise independent judgment while

developing the knowledge to understand fu

• Responsible for collecting past due loans and leases on assigned portfolio of accounts
• Recommend Problem resolution on delinquent accounts and settlement of past due delinquency issues to Management
• Assigned to collect and create collection letters, defaults and delinquency reports for past due property taxes, and short term interest to reduce the portfolio delinquency
• Review customer contracts, for end of term options
• Require to request financials for potential loss accounts or modifications request
• Works closely with Client Services to recommendation adjustments to accounts pertaining to late charges, assessed fees and other delinquency assessments
• Assist customers with inquiries for pay off requests, credit ratings, payment histories, payment misapplications, and billing problems
• Manage department monthly expenses reports for outside collection agencies
• Back up for daily tracker, returns check and speed pay
• Performs credit analysis as required

• Daily cash receipts applications and posting to general ledger
• Responsible for daily collections to assign customers such as Target, JC Penney, Macys, Nordstrom, Marshall fields, Meijer, Belks, Saks
• Researched and resolve payment discrepancies: short and over payments, promotional allowances and other disputed items
• Prepare daily Target Forecast from Partners Online to compare and assure all open invoices have been schedule for future payment and expected check total base on our billed invoices to them
• Run weekly sales reports and aging for all assign accounts
• Generated weekly report on the status of past due account and Resolutions to the Department Credit Manager

• Applied daily cash payment to customer’s accounts and in to general ledger for Northern California and Hawaii division
• Scanned high volume accounts on a monthly basis such as Safeway, Savemart, Albertson’s, and reconciling reports to meet department deadlines
• Inputted of daily and weekly billing, as well as monthly inter company funds to other divisions within our Company to accomplish their Division goals
• Researched and resolve payment discrepancies: short and over payments, promotional allowances and other disputed items
• Prepared and submit a collection letter with spreadsheet on assigned accounts such as Safeway, Longs, Ralphs, West Marine and Lunardis, to facilitate a prompt resolution of the disputed items and past due invoices
• Generated monthly reports for Advertising Incentive accounts to resolve CMA deduction discrepancies
• Collaborated with the Ice Cold scanning Department on any problems with invoice scanning to meet daily requirements
• Assisted with daily balancing for Northern California and North West Division on Cash and Sales to reconciliation to determine daily Division sales