Tina Stivers
Azle,TX
Summary
Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
28
28
years of professional experience
Work History
VP Lending Compliance Officer
Ciera Bank
08.2015 - Current
- The primary responsibility of the Lending & CRA Compliance Officer is to serve as the Bank’s subject matter expert on lending compliance laws/regulations and to help maintain the Bank’s Compliance Management System (CMS) that is demonstrated throughout all levels of the organization.
- Conduct comprehensive consumer, residential, commercial loan testing with applicable laws and regulations.
- Conduct comprehensive Fair Lending and CRA risk assessments and reviews to be presented to the Audit Committee.
- Manage Fair Lending compliance efforts throughout the Bank and ensure that the Bank’s Fair Lending program is risk-based and appropriate for the size and complexity of the Bank.
- Work collaboratively with Executive Management to identify and manage Fair Lending risk across the Bank
- Develop and implement robust Fair Lending risk reporting tools, including key risk indicators.
- Advise on the Bank’s annual Fair Lending plan and set the scope and frequency of monitoring activities.
- Complete periodic Fair Lending reviews, including ongoing comparative file reviews, marketing analysis, quality of assistance, exceptions, and redlining reviews, ensure appropriate remediation occurs, and maintain adequate work papers to support findings.
- Assist Audit department with specific testing, schedule planning, coordination with external auditors, & validation of audit findings.
- Coordinate Examinations and Audits, while also providing support and assistance to outside auditors/examiners when necessary.
Compliance Coordinator/Lending Operations Assistant Manager/Loan Assistant Supervisor
CORNHUSKER BANK
11.1996 - 10.2013
- Executed the loan origination process, including ordering credit reports, appraisals and preliminary title reports
- Generated in-house loan documentation for complex commercial, consumer real estate, and SBA loans
- Researched banking guidelines for Mortgage and In-House Lending areas
- Review, interpret credit approval to determine required supporting documentation including appraisals, environmental reports, organizational documentation, certificates of good standing, flood determinations, UCC reports, and preliminary title
- Book Loans into core system, process payments, loan disbursements, participation transactions, construction draw requests, payoff calculations, wires, etc
- Cross-trained to provide back up for escrow disbursements, HMDA LAR verifications and File Review
- Developed process for scanning/Indexing of loan documents
- Trained lending staff in Consumer compliance, SBA lending compliance/policy and procedures
- Managed daily work flow for loan processors and loan operations
Education
Certified Regulatory Compliance Manager (CRCM) - Compliance
American Bankers Association
12.2022
Skills
- Lending Compliance Expertise
- Change management
- Compliance Management
- Decision-making
- Complex Problem-solving
- Training and mentoring
- Corporate communications
Summary
Strong compliance and lending foundation, with a thorough understanding of all areas of loan operations and lending. Experienced with government regulations, and compliance requirements involving commercial and consumer loans.
Timeline
VP Lending Compliance Officer
Ciera Bank
08.2015 - Current
Compliance Coordinator/Lending Operations Assistant Manager/Loan Assistant Supervisor
CORNHUSKER BANK
11.1996 - 10.2013
Certified Regulatory Compliance Manager (CRCM) - Compliance
American Bankers Association
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