Barbara Redd Email & Phone Number

Farmers Branch, Tx

Prepare and maintain numerous asset monitoring reports analyzing credit risk in the loan portflio.Perform loan portfolio stress testing.Management of appraisal and appraisal review function.Review and approve construction draws.

Implemented TIB’s mortgage warehouse participation program by creating, reviewing and reconciling daily transactional reports.Interpreted complex loan presentations relating to credit structure, documentation and collateral issues, ensuring compliance with bank policies and procedures.Audited loan file collateral documentation, created tickler items and transferred files to loan imaging system.

Hired to create and implement new policies and procedures to ensure the bank’s compliance with the upcoming regulatory changes in relation to consumer mortgage lending.Incorporated new processes and checklists in lending operations for more effective audit work flow.Organized Quarterly Regulatory Review Committee meeting.Assisted with processing, closing and funding consumer and business loans.

March 2011: I was initially brought on staff as a full-time Compliance Officer and Credit Administrator to bring the bank into compliance with all regulatory laws: Created and implemented new policies and procedures. Provided compliance training for all bank employees. Restructured loan department for efficient and effective work flow, and managed daily loan department operations. Audited loan files for adherence to bank policies and lending regulations. Prepared quarterly Call Reports.After accomplishing the initial compliance clean up, I transitioned to part-time AVP/Internal Auditor and Lending Assistant: Completed monthly compliance audits to be reported to the Board of Directors by the Compliance Officer. Assisted Compliance Officer with monitoring and research of upcoming regulatory changes, updating policies and procedures to ensure continued compliance with regulations. Processed, closed, and funded consumer and business loans.

Responsible for all accounts payable processing.Reconciled monthly bank statements and general ledger accounts.Processed event receipts, sales, and rental income account receivables.Assisted Finance Director with budget preparation, board reports, and the development of processes and procedures.Submitted online quarterly sales tax payments.Maintained documentation for contract workers.July 2007 – December 2009: I was also responsible for processing bi-monthly payroll.

Norh Texas

Contract work performing compliance audits and loan reviews for financial institutions throughout North Texas.

Sept. 2005 – May 2006: My title was Vice President/Credit Administration, with some time frame overlap where I was performing two job positions while training a new Compliance Officer: Responsible for understanding and implementing bank loan policy and compliance regulations. Maintained files and prepared ledger entries for ORE, repossessions, and non-accruals. Prepared monthly Board Reports and quarterly Call Reports. Managed Loan Department Supervisor, and provided training for branch lending personnel.Sept. 2004 – Jan. 2006: I was the Compliance Officer with some time frame overlap where I was performing two job positions: Ensured bank compliance with all regulatory laws, updating or creating policies and procedures as needed. Provided on-going compliance training for bank employees. Served as contact person for state and federal examiners, and contract auditors.January 2003 – December 2004: I was the Assistant Vice President/Loan Department Supervisor. Managed all loan department functions including centralized loan documentation. Audited loan files for adherence to bank policies and regulatory laws. Supervised, trained, and motivated loan department personnel.