Stacey Stephens
Chino,CA
Summary
Adept at enhancing operational efficiency and customer satisfaction, my tenure throughout my career has showcased my ability to streamline SBA loan products (7A, 504 and real estate and commercial properties), processing and documentation, achieving a notable increase in portfolio growth. Skilled in credit analysis and fostering teamwork, I excel in driving projects to completion while maintaining high compliance standards. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
19
19
years of professional experience
Work History
SBA Loan Administration
Knight Capital Funding
2023.01 - 2023.12
- Optimized internal processes by regularly reviewing procedures and recommending improvements that led to increased operational efficiency.
- Played a vital role in the successful onboarding of new loan administration professionals by providing comprehensive training and mentorship.
- Contributed to business growth by collaborating with sales teams on targeted marketing initiatives aimed at expanding the organization''s lending portfolio.
- Enhanced customer satisfaction by providing timely support and addressing client inquiries regarding loan administration.
- Ensure that ETRAN(CAFS) is updated and matches the bank approved loan and all documentation as required by SBA has been uploaded.
- Championed the successful resolution of complex customer concerns involving multiple parties such as borrowers, co-workers, or third-party vendors.
- Maintained strict adherence to regulatory guidelines through diligent oversight of lending practices and thorough documentation review.
- Reduced errors in loan documentation through meticulous attention to detail, ensuring compliance with industry regulations and company policies.
- Supported audit preparation efforts by compiling necessary documentation, facilitating clear communication between departments, and ensuring full compliance with internal policies and external regulations.
- Organized and updated databases, records and other information resources.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Demonstrated adaptability by successfully managing various loan closing tasks across both residential and commercial lending sectors.
- Stayed up-to-date on industry regulatory changes and best practices in order to maintain compliance at all times during loan closings.
- Ensured accuracy of closing documents by thoroughly reviewing all relevant information prior to client signing appointments.
- Enhanced customer satisfaction by providing prompt and accurate responses to inquiries regarding collateral status and requirements.
- Reduced loan processing time with thorough documentation reviews, ensuring accurate collateral valuation.
- Coordinated with external appraisers to obtain accurate valuations for high-value collaterals, ensuring proper risk management.
Senior Loan Processor
Luther Burbank Savings
2022.07 - 2022.12
- Established strong relationships with lenders, title companies, and borrowers for smooth loan transactions.
- Proactively identified potential issues within applications, taking necessary steps to rectify them before submission for approval.
- Managed a high-volume pipeline of loans, consistently meeting deadlines and maintaining accuracy in documentation.
- Streamlined loan processing by implementing efficient workflow systems and task prioritization.
- Enhanced customer satisfaction with timely and accurate loan processing, maintaining clear communication throughout the process.
- Developed a comprehensive understanding of various lender guidelines which helped expedite loan approvals.
- Reviewed financial statements and contacted institutions and customers to clarify details.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Handled any conditions sent from underwriting departments.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Consistently met or exceeded monthly performance metrics, contributing to overall team success in achieving departmental goals.
- Set up and completed loan submission packages.
Senior Loan Servicing Specialist/SBA Department
Lendistry
2020.02 - 2021.06
- Coordinated closely with legal counsel and regulatory agencies to ensure full compliance with all applicable laws, rules, and guidelines governing loan servicing operations.
- Supported company growth by effectively managing an expanding portfolio of loans while maintaining high standards of service quality.
- Ensure that ETRAN(CAFS) is updated and matches the bank approved loan and all documentation as required by SBA has been uploaded.
- Utilized advanced software tools for efficient tracking, reporting, and analysis of key performance metrics within the loan servicing department.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Facilitated communication with loan applicants, underwriters and loan officers to optimize process and maintain updated information.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Negotiated loan terms and conditions with customers to secure best deal.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Streamlined collateral management processes by implementing efficient tracking systems and improving communication.
- Enhanced customer satisfaction by providing prompt and accurate responses to inquiries regarding collateral status and requirements.
- Improved efficiency in the review process through the implementation of standardized checklists for each type of collateral asset class.
- Conducted comprehensive analyses of borrowers'' financial statements, evaluating their creditworthiness for secured loans.
- Established strong relationships with internal and external partners to facilitate smooth processing of collateral-related transactions.
- Maintained an organized database of all collateral-related documents, facilitating quick access during audits or examinations.
GS11-12 Loan Specialist
Small Business Administration, SBA
2005.06 - 2017.05
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Ensure that ETRAN(CAFS) is updated and matches the bank approved loan and all documentation as required by SBA has been uploaded.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Handled any conditions sent from underwriting departments.
- Utilized loan origination software to process and track loan applications.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
Education
High School Diploma -
Walnut High School
Walnut, CA06.1999
Skills
- Loan Servicing
- Interpersonal abilities
- Deadline Management
- Credit analysis
- Loan Documentation
- Document Review
- Payment Processing
- Loan Origination
- Loan Processing
- Problem-solving abilities
- Teamwork and Collaboration
- Attention to Detail
Timeline
SBA Loan Administration
Knight Capital Funding
2023.01 - 2023.12
Senior Loan Processor
Luther Burbank Savings
2022.07 - 2022.12
Senior Loan Servicing Specialist/SBA Department
Lendistry
2020.02 - 2021.06
GS11-12 Loan Specialist
Small Business Administration, SBA
2005.06 - 2017.05
High School Diploma -
Walnut High School
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