Sydney Quarantillo
Alden
Summary
Dynamic professional with over 6 years of banking and mortgage experience, skilled in credit analysis, risk management, and financial evaluation. Proven expertise in loan origination, mortgage servicing, and regulatory compliance. Adept at preparing detailed credit and risk reports while mentoring teams, ensuring accurate underwriting and superior client service in complex financial environments.
Overview
9
9
years of professional experience
6
6
years of post-secondary education
1
1
Certification
Work History
Commercial Credit Underwriter-Portfolio Management
M&T Bank
Cleveland
2023.10 - Current
- Make recommendations on appropriate credit structures, risk ratings, and perform continuous credit monitoring (CCM) for a portfolio of commercial clients.
- Provide an independent credit quality assessment of the Bank's largest commercial clients identifying credit risks and mitigants, industry concerns, market trends, financial trends, and other pertinent credit issues. These assessments include initial analyses of new money and material modifications. Evaluate and determine the ongoing credit risks and corresponding risk rating of commercial clients through detailed financial statement analysis, industry assessment, collateral valuation, cash flow analysis and the ability to repay annual debt service.
- Maintain the quality of analyses produced, based on a program of mentoring the analysts and portfolio managers and reviewing final work prior to submission to appropriate credit authority.
- May underwrite, monitor, or provide guidance on more complex credit structures.
- Serve as the point person for assigning new and existing customer relationships, supports team in prioritizing work, and monitors workflow to ensure adequate team coverage.
- Meet with clients when appropriate.
- Prepare thoughtful risk assessment of customers on an ongoing basis to identify emerging risks or material changes in customers financial position, including evaluation of compliance with the loan agreement.
- Provides ongoing training to the team.
- Maintain work logs and prepare monthly productivity reports for management, and other reports, as needed.
- Resolve any policy and procedure, accounting or credit issues that occur.
- Maintain an in-depth knowledge of accounting pronouncements and the effect on Bank credits.
- Exercise usual authority of a manager concerning staffing, performance appraisals, promotions, salary recommendations, performance management and terminations.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
Business Credit Center Loan Analyst II
M&T Bank
Timonium
2022.03 - 2023.10
- Prepare credit packages for the Business Credit Center and manage flow of loan applications through the BCC team and maintain accuracy of systems.
- Enter credit applications into the department's credit scoring system. Conduct credit investigations, and prepare credit packages for PMG, New Money and SBA underwriters. Spread financial statements in departments' credit scoring system.
- Manage accuracy of information in ERM.
- Prepare credit information for use by underwriters in the making of lending decisions on new loans, reviews and renewals.
- Research M&T Bank systems (CIS/HOGAN, AFS, Shaw, ERM, nCino, CLAS) for the status of loan and deposit accounts and input pertinent information into the credit scoring system.
- Obtain missing information on credit applications and notify the originating source of items missing from package.
- Effectively communicate with portfolio managers, credit underwriters, branch managers, RLs, and relationship managers.
- Coordinate and prioritize deal flow to ensure timely and quality service to Bank customers.
- Provide administrative support on BLOC Watch Credit Process.
- Proactively communicate with RM/RL on status of financial statements for portfolio management functions.
- Adhere to Compliance requirements when accepting applications and processing them.
- Assist in training of new staff, as needed.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Promote an environment that supports diversity and reflects the M&T Bank brand.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
Mortgage Specialist III/ Team Lead
M&T Bank
Getzville
2020.08 - 2022.03
- I assist with training new hires, putting together training guides for different department policies and also perform management duties when my immediate superior is out of the office. I am responsible for holding training classes for new department processes and technology when it is rolled out to the department.
- Initiate contact with consumers in late stage of default on their mortgage loans with M&T in an effort to collect past due payments, while maintaining compliance with all state and federal laws and regulations applicable to consumer collection activity.
- Collect consumer financial information, assess consumer's ability to repay their delinquency, identify appropriate solutions and arrange repayment plans or identify referrals to Loss Mitigation or Alternative Lending as necessary.
- Analyze financial statements and loan opening documents to assess the likelihood of recovery.
- Investigate and conduct in-depth research and account review on high-risk loans.
- Handle inbound calls from various internal departments and consumers concerning all mortgage loan products in the various stages of delinquency.
- Communicate all applicable state-specific call compliance requirements on both inbound and outbound calls received/made.
- Identify suspect situations (e.g., fraud, lack of insurance) and investigate exposure, escalating issues to management along with recommendation of appropriate course of action.
- Analyze account files to assess whether referral to foreclosure is appropriate.
- Identify and resolve the most complex problematic account situations. Understand the workflow necessary for account maintenance/corrections. Follow up on all customer inquiries.
- Complete beginning, daily and final strikes of assigned charge off portfolios to various reports and logs.
- Understand and adhere to the Company's risk and regulatory standards, policies and controls in accordance with the Company's Risk Appetite. Identify risk-related issues needing escalation to management.
Mortgage Specialist II/ Customer Asset Management
M&T Bank
Getzville
2019.04 - 2020.08
- Initiate contact with consumers in early to late stage of default on their mortgage loans with M&T in an effort to collect past due payments, while maintaining compliance with all state and federal laws and regulations applicable to consumer collection activity.
- Collect consumer financial information, assess consumer's ability to repay their delinquency, identify appropriate solutions and arrange repayment plans or identify referrals to Loss Mitigation or Alternative Lending as necessary.
- Analyze financial statements and loan opening documents to assess the likelihood of recovery.
- Perform skip tracing.
- Handle inbound calls from various internal departments and consumers concerning all mortgage loan products in the various stages of delinquency.
- Communicate all applicable state-specific call compliance requirements on both inbound and outbound calls received/made.
- Identify suspect situations (e.g., fraud, lack of insurance) and investigate exposure, escalating issues to management along with recommendation of appropriate course of action.
- Basic knowledge of investor guidelines such as FHA, RHS, VA and conventional mortgages.
- Basic knowledge of foreclosure deadlines, short sale and deed in lieu processes.
- Prepare loans for the foreclosure process by running summaries and analyzing the account.
- Analyze account files to assess whether referral to foreclosure is appropriate.
- Identify and resolve problematic account situations where appropriate. Understand the workflow necessary for account maintenance/corrections.
- Assist in the training of new hires as requested by management.
- Responsible for meeting and maintaining registration requirements under the Federal SAFE Act.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Daily usage of internal M&T systems (I.e MSP, Black Knight Director, ECM, etc)
Lead Commercial Specialist IV
Keybank
Amherst
2017.03 - 2019.04
- Initiate contact with consumer borrowers handling the highest degree of delinquency accounts, assessing the prospect of repayment, and arranging repayment schedules or other solutions such as: Loan Workout, Alternative Lending, Reages, or Extensions.
- Investigate and conduct in depth research and account review on high-risk loans.
- Identifying high risk factors such as SBA backed loans, loans secured by real-estate or auto, and high balance loans.
- Analyze financial statements and loan opening documents to assess the likelihood of recovery.
- Identify suspect situations (i.e. fraud, lack of insurance) and investigate exposure, escalating issues to management along with course of action taken.
- Perform skip tracing.
- Utilize internal collections systems and accounting systems for all loan types. (CACS, CLS, TSYS, Hogan, Quest, MSP, Lexus Nexus, CBC)
- Identify and resolve the more complex problematic account situations.
- Understand the workflow necessary for account maintenance/corrections through to resolutions.
- Compile information and analyzes the account files for repossession and foreclosure recommendation.
Education
Bachelor of Arts - Biotechnology
University of Buffalo
2016.02 - 2019.05
A.S. - Liberal Arts and Sciences
NIAGARA COUNTY COMMUNITY COLLEGE
Sanborn, NY 2014.09 - 2017.05
Skills
- Lending
- Microsoft Outlook
- Loan origination
- Credit analysis
- Negotiation
- Microsoft Word
- Microsoft Access
- Mortgage servicing
- Risk Management
- Microsoft Office
- NCino proficient
- Microsoft Excel
- Fair Housing Regulations
- Sales
- Customer service
- Operating systems
- Excel
- Leadership skills
- Financial Analysis
- Organizational skills
- SharePoint
- Team management
- Financial Report Interpretation
- Loan servicing
- CRM system proficiency
- Microsoft Powerpoint
- Financial services
- Effective Verbal and written communication skills
- Salesforce
- Mortgages
Certification
- Driver's License
- NMLS
Additional Information - Work Authorization
Authorized to work in the US for any employer
Timeline
Commercial Credit Underwriter-Portfolio Management
M&T Bank
2023.10 - Current
Business Credit Center Loan Analyst II
M&T Bank
2022.03 - 2023.10
Mortgage Specialist III/ Team Lead
M&T Bank
2020.08 - 2022.03
Mortgage Specialist II/ Customer Asset Management
M&T Bank
2019.04 - 2020.08
Lead Commercial Specialist IV
Keybank
2017.03 - 2019.04
Bachelor of Arts - Biotechnology
University of Buffalo
2016.02 - 2019.05
A.S. - Liberal Arts and Sciences
NIAGARA COUNTY COMMUNITY COLLEGE
2014.09 - 2017.05