Sylvia Delgado
Homer Glen,IL
Summary
Dynamic finance professional with extensive experience in banking, specializing in compliance for consumer and commercial lending. Successfully developed comprehensive CRA and Fair Lending programs, delivering impactful results while ensuring adherence to regulations such as CRA, Fair Lending, and ECOA.
Overview
1
1
Language
24
24
years of professional experience
Work History
VP, CRA & Fair Lending Officer
Peoples Bank
Munster, IN
09.2023 - Current
- Successfully developed comprehensive and effective CRA and Fair Lending programs within the institution
- Founded and chaired CRA & Fair Lending Committee, leading quarterly meetings to drive strategic initiatives and oversight.
- Conducted annual comprehensive CRA Self-Assessment and Fair Lending Risk Assessment to identify areas for improvement.
- Maintained key bank policies and procedures relating to Regulation C, the CRA, and Fair Lending on an annual basis.
- Presented quarterly performance status reports to senior management and Board, highlighting key compliance metrics and trends.
- Analyzed and reported key performance metrics to identify trends and areas for improvement.
- Develop and deliver ongoing compliance training to 'frontline' personnel
- Subject matter expert in HMDA, Reg B as well as CRA/Fair Lending and other laws and regulations relating to fair lending/banking and the CRA
- Solely charged in leading the FDIC examiners during examination periods as well as internal and external audits
- Manage the bank's data; file LARs to the federal agencies
- Oversaw operational objectives, metrics, and testing.
- Participated in the bank's Asset-Liability (ALCO), Enterprise Risk Management (ERM), Risk Management & Compliance (RMCC), and Enterprise Project Management (EPMO) committees.
Senior CRA Lending Officer
Citi
Chicago, IL
06.2022 - 09.2023
- Recognized as market community lending expert by Chicago Agent Magazine: Who's Who in Chicagoland Real Estate, 2023
- Collaborated in development of affordable home mortgage solutions to increase accessibility for underserved communities
- Designed and conducted financial literacy training to empower clients with knowledge for informed financial decisions
- Acted as community lending specialist to guide clients in navigating loan options and enhancing their financial literacy.
CRA Mortgage Officer
PNC Bank
Berwyn, IL
12.2013 - 12.2021
- Produced top sales results in mortgage lending
- Achieved top ratings in customer satisfaction surveys
- Promoted community engagement through development initiatives in Chicagoland market
Mortgage Bank
Chase Bank
Worth, IL
08.2010 - 04.2012
- Top producer
Loan Center Associate
PNA Bank
Chicago, IL
01.2003 - 08.2010
- Assisted in underwriting of consumer and residential mortgages
- Processed loan applications from origination to closing
- Performed post-closing loan maintenance
- Coordinated mortgage loan pools and executed maintenance of sales with purchasers pre/post close
- Assisted in modifying multi-million portfolio of non-performing loans
- Contributed to bank's loss mitigation strategies and developed creative financing options for non-performing loans
- Managed the bank's HMDA LAR compliance activities.
- Developed and delivered training materials to frontlines
- Liaison for regulatory agency examiners (OTS)
- Developed the bank's business continuity framework
- Overall, lending compliance subject matter expert and helpdesk enterprise wide.
Education
Community Development Graduate Degree -
Chicago State University
Chicago05-2027
Bachelors of Science - Finance
University of Illinois
Chicago12-2006
Skills
- Risk management
- Compliance monitoring
- Ethical judgment
- Organizational skills
- Critical thinking
- Verbal communication
- Persistence
- Emotional intelligence
Hobbies and Interests
- Community development
- Financial literacy
- Philosophy
- Literature
- Charity
- Travel
Personal Information
Title: Financial Institution Professional
Languages
Spanish
Full Professional
Timeline
VP, CRA & Fair Lending Officer
Peoples Bank
09.2023 - Current
Senior CRA Lending Officer
Citi
06.2022 - 09.2023
CRA Mortgage Officer
PNC Bank
12.2013 - 12.2021
Mortgage Bank
Chase Bank
08.2010 - 04.2012
Loan Center Associate
PNA Bank
01.2003 - 08.2010
Community Development Graduate Degree -
Chicago State University
Bachelors of Science - Finance
University of Illinois