Tonya Matthews
Henderson,NV
Summary
Dynamic Loan Specialist at the Small Business Administration with a proven track record in contract negotiation and relationship management. Expert in forensic analysis of loan applications, successfully identifying fraud and safeguarding government funds. Recognized for outstanding consultative sales skills, enhancing recovery efforts and ensuring compliance in high-stakes environments.
Overview
25
25
years of professional experience
1
1
Certification
Work History
Loan Specialist
SMALL BUSINESS ADMINISTRATION
Fort Worth, USA
06.2023 - Current
- Conduct a thorough forensic analysis of Paycheck Protection Program (PPP) and COVID EIDL loan applications to identify potential fraud and identity theft, ensuring compliance with federal regulations, and safeguarding government funds against fraudulent activity.
- Initiate the process of securing the release of liens from the U.S. Treasury on files that were erroneously subjected to garnishment, in conformance with federal guidelines, and the restoration of proper financial standing for affected entities.
- Analyze, prepare, and submit non-performing COVID EIDL loans for liquidation through the U.STreasury, based on federal guidelines and maximizing recovery efforts
- Meticulously reviewed and analyzed COVID-19 EIDL loan documentation to guarantee adherence to program specifications and evaluate borrower legitimacy
- Identify, verify, and recover business assets and collateralized real property to mitigate losses and secure compensation for defaulted loans
- Assess non-performing loans and devise appropriate solutions for loan charge-offs, bankruptcy, ownership changes, release of collateral, loan modification and retention
- Engage directly with borrowers to evaluate repayment capabilities and implement loan restructuring solutions to alleviate financial hardship
- Manage borrower client base efficiently with Microsoft Dynamics, the MySBA Borrower Portal and the Capital Access Financial System (CAFS) system
Disaster Recovery Specialist
SMALL BUSINESS ADMINISTRATION
Buffalo, USA
07.2020 - 06.2023
- Provide comprehensive assistance to inquiries regarding Small Business Administration (SBA) loans, grant funding programs and federal contracting opportunities
- Offer detailed guidance throughout the application, processing, disbursement, and post-loan phases
- Facilitate access to capital through SBA programs and alternative funding sources, including venture capitalists and angel investors
- Assist small business owners in identifying and obtaining Multiple Award Schedule (MAS) Contracts with the General Services Administration (GSA), particularly those designated for Disaster Preparedness and Cooperative Purchasing
- Guide businesses through the federal contracting process via the SAM.gov portal, assisting with NAICS code identification, proposal preparation, and submission through eOffer
- Provide technical advisory services by identifying suitable contract vehicles, leveraging socio-economic status to secure opportunities with agencies such as the Department of Veterans Affairs and demonstrating how to locate and pursue contracting opportunities through systems that forecast contracting opportunities and the Office of Small and Disadvantaged Business Utilization (OSDBU)
- Assist business owners in responding to clarifications from evaluating contracting officers and conduct market research using e-Library to showcase competitive pricing for firm-fixed-price contracts
- Educate businesses on compliance with GSA’s Disaster Purchasing and Cooperative Purchasing Programs
- Connect Other Than Small Businesses with small business partners to meet subcontracting goals
- Support small businesses in navigating the SBA certification process and obtaining EIN and DUNS numbers
- Respond to borrower inquiries submitted through the MySBA portal and provide technical assistance for the RAPID application system
- Facilitate borrower enrollment in the Pay.gov payment portal and Capital Access Financial System (CAFS), including password resets and troubleshooting
- Research loan and payment details using the Electronic Loan Processing System (ELIPS) and process payments via Pay.gov and CAFS
- Educate borrowers on financial hardship programs and available relief options to support their financial recovery
- Recognized by the CSC Customer Service Center for providing excellent customer service, troubleshooting issues and initiating the appropriate action by the CSC Agent Recognition Team in October and November, 2020
Risk Consultant
COX AND SMITH RISK MANAGEMENT
Seal Beach, USA
11.2016 - 02.2021
- Conduct over 300 commercial insurance property inspections of buildings, businesses and real property to analyze and determine areas of potential liability risk, encompassing all aspects of General Liability, Property and Casualty, and Worker’s Compensation Insurance policies
- Prepare pictorial and written analysis on commercial properties
- Recommend adjustments, modifications, repairs and upgrades to physical location or processes based on physical assessment
- Advise and implement preventive and corrective actions to mitigate, control, and reduce operational risks and liability
- Create comprehensive documentation of all processes and communications
- Strong capacity to efficiently diagnose operational risks and implement strategic solutions
- Emergency floor plan creation
- Ensure presence and updated servicing of fire sprinkler systems and extinguishers
- Inspect for ergonomically correct environments
- Review Standard Operating Procedures and Company Manuals for compliance with insurance company standards
Medicare Sales Consultant
KELLY SERVICES/INGENESIS (For CareMore-Anthem Blue Cross)
Cerritos, USA
10.2017 - 06.2018
- Provided insightful Medicare consultations to a diverse client base, communicating all features, advantages, and disadvantages of various Medicare Healthcare policies
- Assessed individual health needs and provided tailored insight for each individual client
- Promote compatible healthcare plans which increased sales
- Host events and enrolled clients onsite at various Government, retail and private locations such as the Social Security Administration facilities, Department of Motor Vehicles (DMV), various Pharmacies, medical facilities and churches
- Guided customers in obtaining benefits information from SSA, CMS, local agencies, state agencies and private employers.
- Generated leads and developed an effective marketing pipeline to maintain a steady sales network
- Educate medical professionals and Senior and Medicaid focused groups on Medicare health plans
- Performed a variety of complex feasibility studies to maximize performance potential and increase program efficiency, awarded with recognition as Top Pilot Program producer in March 2018
- Advanced strategic client communications and promoted new revenue streams by participating in various events within the senior community
Logistics Coordinator/Safety Coordinator
PROGISTICS DISTRIBUTION
Redondo Beach, USA
12.2015 - 02.2017
- Oversaw all aspects of domestic transportation services for Amazon Prime deliveries, including driver dispatch, communicating proper routes and delivery techniques and managing time sensitive yet safe deliveries
- Managed a team of more than 80 drivers with acute prioritization of strict safety training; implemented a Driver Safety program to ensure adherence to best practices and minimize incidents
- Trained cross-functional department personnel in established safety techniques to promote seamless daily workflow and successful execution of all operational objectives
- Calculate drive time and mileage for on-time delivery feasibility
- Maintain driver attendance and personnel records
- Order supplies
Reverse Mortgage Loan Officer/Advisor, Wholesale Account Representative
MULTIPLE COMPANIES
Multiple Locations
01.2005 - 12.2015
- Coordinated reverse mortgage loan sales through direct client interactions in diverse environments.
- Discussed sensitive and confidential information concerning life, finance, mortality and estate planning with appropriate professionalism and discretion to Mature clientele
- Coordinated with financial planners, realtors, attorneys, mortgage brokers, home care professionals, and service providers to enhance reverse mortgage education.
- Analyze loan documents for accuracy and compliance
- Ensure payoff or release of real property liens prior to loan transaction closing
- Handled administrative tasks such as customer calls, appointment scheduling, and client account management in Salesforce and Sugar CRM.
- Elevated closing rates through strategic use of advanced knowledge in reverse mortgage solutions, resulting in over 200 successful loan completions.
Telephone Systems Coordinator
County of Riverside
Riverside, USA
02.2000 - 03.2003
- Conducted telecommunications project management for various County departments and internal and external stakeholders
- Compiled customer telephone system specifications and coordinated Ericsson PBX, Nortel and Cisco Voice Over IP telephone system installations
- Interact with telephone company representatives, county engineers and technicians to ensure smooth telephone and T1 circuits, Cisco VOIP, PBX and key system installations
- Programmed telephone system features including auto attendant routing and call center software
- Provided back-up help desk support via email and telephone.
- Processed service work requests; adds, moves and changes
- Trained end users
Education
Bachelor of Science - Telecommunications Management
DeVry University
Pomona, CASkills
- Contract Negotiation
- Logistics Management
- Relationship Management
- Loan Origination
- Collaborative communication
- Written and Visual Analysis
- Team Leadership & Training
- Consultative Sales
- Real Estate Sales
Certification
- CA Life & Health Insurance License
- NV Health & Life Insurance License
- CA Real Estate Salesperson License
- NMLS License (Mortgage)
- HUD Certified Counselor
- FCR 110: Contracting Officer’s Representative (COR) Level 1
Timeline
Loan Specialist
SMALL BUSINESS ADMINISTRATION
06.2023 - Current
Disaster Recovery Specialist
SMALL BUSINESS ADMINISTRATION
07.2020 - 06.2023
Medicare Sales Consultant
KELLY SERVICES/INGENESIS (For CareMore-Anthem Blue Cross)
10.2017 - 06.2018
Risk Consultant
COX AND SMITH RISK MANAGEMENT
11.2016 - 02.2021
Logistics Coordinator/Safety Coordinator
PROGISTICS DISTRIBUTION
12.2015 - 02.2017
Reverse Mortgage Loan Officer/Advisor, Wholesale Account Representative
MULTIPLE COMPANIES
01.2005 - 12.2015
Telephone Systems Coordinator
County of Riverside
02.2000 - 03.2003
Bachelor of Science - Telecommunications Management
DeVry University