Tracey Hunter
Phoenix,USA
Summary
Top-performing SBA Closing Specialist knowledgeable about SBA operations, best practices and regulatory requirements. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
18
18
years of professional experience
Work History
Senior Closing Specialist
INTQ Financial
Phoenix, AZ
10.2023 - 02.2024
- Verified loan application for accuracy and completeness. Prepared closing checklist and gathered all necessary documentation from borrower and performed all pre-closing searches (OFAC, CAIVRS, UCC) and opened title/escrow.
- Upon loan approval, request any needed corrections or additions. Enter all required information into the SBA E-Tran system to obtain Term Sheet & SBA loan number. Request EIDL subordination if required and resolve any error codes with the appropriate documentation & communication with the SBA.
- Provide accurate and regular updates to borrowers, sales and underwriting from application through funding stage.
- Conducted quality control checks on completed loan files prior to submission for final review/funding.
LENDING PROFESSIONAL FOR SBA AND USDA PROGRAMS
Canyon Community Bank nka CrossFirst Bank
Greater Phoenix Area, AZ
02.2022 - 08.2023
- Created and implemented a successful USDA B&I loan closing department by collaborating with the AZ USDA office, attorneys and internal management.
- Reviewed loan applications and supporting documentation for completeness and compliance.
- Ensured that all documentation is properly signed off by parties involved prior to closing USDA & 7a loans.
AVP/SBA Loan Closing and Servicing
AZ Federal Credit Union (Formerly Pinnacle Bank AZ)
Scottsdale, AZ
06.2016 - 01.2022
- Established key metrics to measure effectiveness of projects and initiatives.
- Provided leadership, direction, guidance, and support to team members on a daily basis.
- Created training materials to ensure staff was up-to-date on SBA best practices.
- Developed strategic plans to increase efficiency when responding to servicing action requests in accordance with the provisions of the SBA SOP 7(a) Loan Servicing and Liquidation and Unilateral Action Matrix.
- Implemented process improvements that resulted in improved operational efficiencies for timely SBA 504 Debenture Funding(s).
AVP/SBA Loan Closer
MidFirst Bank
Phoenix, AZ
09.2009 - 06.2016
- Developed and implemented the SBA 7(a) and 504 loan closing procedures to streamline workflow for increased efficiency. Received highest internal SBA Audit Policies & Procedures from 2010-2016.
- Reviewed loan applications for accuracy and completeness prior to submission of documents to underwriting team.
- Maintained a portfolio of loans in various stages of processing, tracking progress and providing updates as needed,
- Collaborated with internal departments such as operations and legal counsel to ensure accurate completion of loan documentation.
- Interfaced with external customers such as realtors, appraisers, title companies, insurance agents. during the loan process.
SBA 504 Loan Closer
Western National Bank
Phoenix, AZ
06.2006 - 09.2009
- Managed the SBA 504 portfolio for commercial real estate purchase transactions in AZ from approval to closing.
- Collaborated with the CDC, real estate agents, and title companies to ensure successful closing of loans & timely debenture funding.
- Provided customer service to borrowers throughout the entire loan process.
- Monitored Tenant Improvement projects. Ordered and reviewed AIA draw request, site inspection and lien waiver(s). Processed draws for payment to contractor.
- Created and led the Productive Employee Program to boost employee morale and contribute to the community. Designed fund raising activities and volunteered at St Mary's Food Bank & Phoenix Heart Walk.
Education
10+ years of NAGGL courses in SBA closing & servicing -
American Institute of Banking
Skills
- Regulatory Compliance SBA 7a and 504 programs
- Lending Systems: nCino, LaserPro, E-Tran, CAFS
- Deadline-Oriented
- Problem-Solving
- Closing Expertise
Accomplishments
- Partner in Education Award - volunteer work with an at-risk child in a low-income school district.
- American Legion Post 1 - volunteer work with U.S. Veterans. Assisting with providing free Thanksgiving and Christmas dinner(s), toy drive for children, raise funds to replace the Post's American flag.
Timeline
Senior Closing Specialist
INTQ Financial
10.2023 - 02.2024
LENDING PROFESSIONAL FOR SBA AND USDA PROGRAMS
Canyon Community Bank nka CrossFirst Bank
02.2022 - 08.2023
AVP/SBA Loan Closing and Servicing
AZ Federal Credit Union (Formerly Pinnacle Bank AZ)
06.2016 - 01.2022
AVP/SBA Loan Closer
MidFirst Bank
09.2009 - 06.2016
SBA 504 Loan Closer
Western National Bank
06.2006 - 09.2009
10+ years of NAGGL courses in SBA closing & servicing -
American Institute of Banking
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