Yolanda Crute
Hinesville,GA
Summary
Experienced loan specialist with expertise in data accuracy and security. Hardworking professional with over ten years of assisting clients, processing data, and reviewing credit histories. Knowledgeable in credit procedures.
Overview
13
13
years of professional experience
Work History
Loan Specialist
RP Pro Services
Remote
04.2022 - Current
- Reviews SBA loan files for PPP (Payback Protection Program)
- Assists with loans considered to be complex or problematic because of specific conditions of their nature
- Analyzes and makes recommendations on requests in accordance with existing SOP's or guidelines
- Reviews and analyzes requests from participant lenders in relation to servicing loans
- Analyzes financial statements and other supporting loan documents in relation to loan forgiveness
- Performs other loan servicing activities as needed to support office operations.
Loan Specialist
Highlight Technologies Inc
Remote
03.2021 - 04.2022
- Reviewed SBA loan files for PPP (Payback Protection Program) and RRF (Restaurant Revitalization Fund)
- Reviewed and analyzed requests from participant lenders in relation to servicing loans
- Analyzed financial statements and other supporting loan documents in relation to loan forgiveness
- Performed other loan servicing activities as needed to support office operations.
Loan Servicing/Collateral Specialist
The Heritage Bank
01.2018 - 03.2021
- Carefully reviewed details on all types of loans and ensured that bank auditing guidelines were followed
- Verified all collateral to ensure liens were properly recorded
- Completed documentation checklist for each type of loan reviewed and document issues to include any items missing or incorrect
- Checked original loan documents for client signatures and to ensure terms are correct
- Handled denial and withdrawn loan applications
- Tracked liens on electronic titles and released liens on titles on paid loans
- Handled standard flood hazard determinations (SFHD) requests for lenders/CLA’s
- Processed customers loan payments to accounts
- Handled release of time deposit and savings accounts for collateral use.
Loan Processor
The Heritage Bank
Hinesville, GA
06.2014 - 01.2018
- Processed consumer, real estate, commercial loans, and lines of credit for each branch of the bank
- Handled modifications of loans and produced information for CMC (credit management committee) report preparation
- Prepared monthly reports for CMC board, pending exceptions report and monthly bank director’s report
- Verified and examined information and accuracy of loan application and closing documents
- Balanced general ledger accounts and tracked fees/special charges that needed to be paid
- Assembled and compiled documents for loan closings, such as title abstracts, insurance forms, loan forms, and other necessary documents
- Processed customer loan payments to accounts as necessary
- Key holder for client promissory notes
Collateral Specialist
The Heritage Bank
Hinesville, GA
09.2011 - 06.2014
- Handled paid loan accounts for various clients to include business loans, personal loans, and lines of credit
- Issued collateral to clients from paid loans in a timely manner
- Reviewed new loans to determine if hazard insurance was needed
- Daily use of spreadsheets to track hazard insurance, flood insurance and collateral information
- Weekly correspondence with Georgia state court clerks to ensure accurate filing of secured deeds and UCC’s according to Georgia law
- Tracked real estate loans for flood zone determination to determine if flood insurance is required, according to FEMA’s regulations
- Maintained flood insurance records for clients to ensure the proper documents are on file, flood insurance is purchased and adequate, according to FEMA’s regulations
- Tracked real estate loans with aggregate debt balance over $250K to determine if hazard insurance is needed.
Education
Master of Business Administration -
Capella University
01.2018
Bachelor of Science in Business Administration -
Columbia College
01.2013
Associate in Marketing Management -
Savannah Technical College
01.2009
Associate in Accounting -
Savannah Technical College
01.2008
Skills
- Customer Assistance
- Banking knowledge
- Telephone and email etiquette
- Effective Communication
Affiliations
- Delta Mu Delta- Business honor society
Timeline
Loan Specialist
RP Pro Services
04.2022 - Current
Loan Specialist
Highlight Technologies Inc
03.2021 - 04.2022
Loan Servicing/Collateral Specialist
The Heritage Bank
01.2018 - 03.2021
Loan Processor
The Heritage Bank
06.2014 - 01.2018
Collateral Specialist
The Heritage Bank
09.2011 - 06.2014
Master of Business Administration -
Capella University
Bachelor of Science in Business Administration -
Columbia College
Associate in Marketing Management -
Savannah Technical College
Associate in Accounting -
Savannah Technical College