• Prospected and received Leads of prospective new Home Buyers from Realtors, Brokers, and self-Marketing. • Counseled prospective New Buyers on Financing Options• Attended Open Houses with Realtor partners and shared Marketing and Promotional• Developed a Book of Business of New Home, Buyers and Refinance Customers leading to 2.5-3mm in Monthly Loan Origination Business.

• My team was accountable and responsible for operational oversight of the closing and servicing of all loan transactions of the business division, being supported to ensure all internal and external requirements are met.• I Performed a leadership role relevant to the build and development of the team supporting loan origination and lifecycle management which included large complex syndicated and bilateral loans covering but not limited to corporate, commercial, real estate, structured lending and trade.• I help Create processes, standards, procedures, controls, training, and implementation of transaction management.• Partnered with each of the originating and coverage business lines, credit risk, operations, legal, etc., to ensure strategic vision is enabled.• Reviewed Complex Credit Agreements to Build Loan Facilities into the Lynx Loan System. • Provided Loan Oversite while Deal Team engaged in negotiation of Terms and Conditions of Facility Covenants. and Borrowing Terms. • Direct Client Contact of Major Corp Customers for Servicing Related Issues.• Actively acted as go-between for Deal Team and Loan Operations and Servicing.• Provided Post Enclosing Covenant Monitoring and Oversite of Day-to-Day Loan Servicing issues as needed.• Ensured that quality of data, controls and processes performed meet internal policies and regulatory requirements/expectations, via staff management.• Worked with lines of business, transaction management, and loan operations to define and implement operational metrics and risk and control reviews to ensure all stakeholders have end to end transparency.• Constantly improved processes, controls and efficiencies within the group and front to back across loan lifecycle• Participated in Data Integrity projects to enhance performance and efficiency.• Actively managed and maintain a deal closing pipeline of loan transactions.• Provided high Level support, leadership and guidance to Loan Operation and Servicing Teams

Prospected and received Leads of prospective new Home Buyers from Realtors, Brokers, and self-Marketing. • Counseled prospective New Buyers on Financing Options• Attended Open Houses with Realtor partners and shared Marketing and Promotional• Developed a Book of Business of New Home, Buyers and Refinance Customers leading to 2.5-3mm in Monthly Loan Origination Business. • Accessed and reviewed prospective new client credit reports, to determine if client met credit eligibility.• Analyzed Income documents and customer cash reserves to determine ability to Purchase or for New Loan Terms (Refinance). • Partnered with in house Underwriting, Closing and Processing Teams to resolve issues that arise through the lifecycle of the loan.

• Position on the Loan Ops RFR Transition Team within the Wholesale lending division.• Provided support for structuring of new procedures and support for Libor Transition across US and UK Business Lines.• Monitored key upcoming milestone dates. • Provided support to develop day to Day Syndicated and Bi-Lateral Loan Servicing procedures for Post Libor to SOFA and SONIA Transitions for Day-to-Day Servicing events.• Participated on UAT for system modifications • Participated in Procedural Process and Development Team meeting between US and UK Teams.• Strong Loan IQ, Deal Building, Loan Servicing experience.• Identified and interpreted LIBOR-related provisions of your loan documents.• Served as a hands-on lead for junior loan analysts. • Collaborated with front office, Treasury and UK Loan Servicing teams in a variety of ways, assisting in the routine operational support along the transaction cycle. • Utilized Loan IQ for RFR UAT and test Repricing with SOFR Index

*(Worked here part time while consulting Full Time at Commerzbank)• Prospected and received Leads of prospective new Home Buyers from Realtors, Brokers, and self-Marketing. • Counseled prospective New Buyers on Financing Options• Attended Open Houses with Realtor partners and shared Marketing and Promotional• Developed a Book of Business of New Home, Buyers and Refinance Customers leading to 2.5-3mm in Monthly Loan Origination Business.

• Completed quality checks of loan packets, document deficiencies and resolve exceptions with Loan/Relationship Officers. • Perform loan setups and loan modifications (including pricing grids) for new as well as seasoned loans in the loans platform Loan IQ (LIQ). • Tracked, completed invoicing, and monitoring of credit life cycle of loans – escalating any past dues and overdrafts for proper risk management. • Processed Loan Repricing’s for USD and Foreign Currency Loans, Fee Payments, Interest Payments and Libor and Base Rate Drawdown’s and Pay-Down’s• Processed Facility and Deal Terminations as required• Processed Letter of Credit Increases, Decreases, Fee payments and Terminations• Covenant Monitoring and Tracking• Daily Reconciliation of Borrower’s DDA and Nostro accounts and Daily Breaks. • Ensured compliance with loan servicing agreements.• Interact with Loan Officers and Relationship Managers to ensure quality and timely service. • Create transparency through reports & internal controls and assist in audits and regulatory reviews. • Coordinated funding requirements and Deal Closings with Treasury. • Reviewed incoming notices and requests for funding from Agent Banks and processed in LIQ accordingly. • Maintain orderly records and proper audit trails• Reconciled settlement accounts (Nostro, DDA and / or Suspense Accounts). • Maintained a professional demeanor, worked with other groups to drive solutions. • Ensured all appropriate legal and regulatory requirements are met and fostered a “Compliance and due process culture” for Market Operations. • Ensured internal systems and processes could accommodate new alternative rates.

Structured Loan Administrator – Contract• Processed a range of loan event types (Drawdowns, Rollovers etc.) within relevant cut-off times as part of the day-to-day administration of the UniCredit’s NY loan portfolio in accordance with documented procedures, processes, compliance, and audit requirements.• Utilized Loan IQ and Midas for all daily Loan servicing, such, Rollovers, Drawdowns, Pay-downs, Interest and Fee processing and many other tasks. • Ensured all loan transactions are correctly administered and properly recorded to minimize financial and regulatory risk to the client and ensure production of accurate reporting • Handle internal and external customer correspondence and enquiries effectively and in accordance with current Service Level Agreements, maintaining a close working relationship with internal and external contacts • Provide Agency services as Lead Agent to Syndicated members, including Disbursement of Borrower Intent Notices, Covenants Reminders, disbursement of Fee share.

* Began here June 2017 as a Remote Commissioned Account Executive Part Time, while working for Raymond James as Temporary Sales Assistant in Residential Lending for Wealth Managment.

Wealth Management, Mortgage Division, Sales Assistant.

Deutsche Bank, Wealth Management Group, New York, NY (The Windsor Consulting Group) • Reviewed compliance of loan files for Residential Loan Servicing unit of the Private Wealth Management group to achieve reporting requirements for the FRY-14 regulation.• Review and abstracted static data from hard files including Home Appraisal Value, Sales amount and confirmed evidence of flood insurance to satisfy REG H Requirements, also confirmed other evidence on closing docs, etc.• Entered static data collected from hard files into Share Point Data base, Also utilized Loan IQ data base to collect data and remit to Share point. • Provided valuable input into the approach and analysis of Fed Requirements that improved workflow and efficiency of review operation.• Created and provided file inventory and management control system for support of over 3200 Wealth Management loan files under review.• Participated in a UAT sessions for expanding modules of Share Point. • Compiled reports to Deputy Directory on any file discrepancies, regarding origination issues or missing docs, lapses in Home Hazard or Flood Insurance covered, Missing Credit related docs, etc.

Personal Banker II October 2012 to October 2013 Chase Bank, Brooklyn, NY • Built quality relationships and explored customer needs; took a lead role in creating an outstanding customer experience by resolving customer service issues, opening new accounts, offering convenience services, and helping the Branch meet sales objectives.  • Partnered with the branch team of specialists by providing referrals to specialist such as Loan Officers, Business Bankers, and Financial Advisors, all to ensure our customers get access to experts who can help them with specialized financial needs. • Provided assistance in submitting fraud claims, resolving customer disputes and attended daily staff huddles.  • Also worked as a backup Teller, processing business and consumer accounts deposits and withdrawals, Check and Money order request, as well as processing Teller Window credit card and mortgage payments. • Responsible for Teller Draw Balancing, locating shorts or overages. Processing SAR (Suspicious Activity Reports).

Loan Originator/Promoted to Assistant VP Sales and Origination August 2008 to April 2012 First Residential Mortgage Services, Englewood Cliffs, NJ • Worked as a Loan Originator and Assistant to the Vice President.  • Generated new residential loan business on 1-4 Family Residential property. • Prospected new home buyers from leads generated by head office marketing promotions.  • Created a Network of origination sources by partnering with local real estate agents, mortgage brokers, property developers etc.  • Conducted origination of Refinances and Purchase money loans averaged over $1mm per month 2nd year closings totaled over $5mm annually.  • Compiled all necessary borrower documentation for all FHA conventional and VA Loans and prepared and presented all necessary documents and disclosures to processors.   • Provided support and management of loans in the Loan Origination pipeline.  • Followed up and reviewed all outstanding stipulations of all loans for over 20 loan officers for loans actively in the pipeline reviewed new loan packages for completeness. • Managed Underwriting Conditions reports.• Interacted with Attorney's, Title companies, customers and in house closing department to ensure timely closing procedures. • Opened all new loan packages to ensure document completeness and integrity. Including review of DTI requirements. • Ensured the timely adherence of necessary disclosures, including GFE and Commitment Letters. Adjustable Rate disclosures and Handbooks, Truth in Lending Disclosures and other initial compliance requirements were met.

Senior Loan Administrator, Commercial Loans (Temp project Consultant) June 2005 to June 2006 Deutsche Bank, Jersey City, NJ • Deal Closing Responsibilities included the review of complex Credit Agreements for Syndicated and Bi lateral loans and entering new loan data into Loan IQ Database • Ensured all new loan documents were in compliance with Credit Agreements covenants. • Notice of Precedents handling and all loan closing and Deal building activities in Loan IQ Data base.• Handled verification of wire instructions and Initial Draw-downs. • Created and entered new loan Facilities and new Deal Level static data on all new loan customers. • Created new Circles for Loan Assignments and loan participations.• Utilized WIP to complete outstanding and pending items as well created Ad-Hoc queries. • Provided servicing on all Syndicated and Bi-lateral loans, including processing loan payments, draw-downs, interest payments and Libor Rollovers, terms as well as coordinate closings for all Modifications, Amendments and New Loan closings. • Monitored and processed all Agent Bank action notices including Draw-Downs, Interest payments and Fee payments and distributed to all Participant banks. • Worked closely with Relationship Management team, Syndicate partners, Agent Banks, in house closing team, Treasury and Accounting departments to ensure proper, timing and funding, loan pricing and proper billing of all loan closings. •Conducted daily reconciliation of NOSTRA Suspense accounts.

Worked with the Private Banking and Wealth Management group, I was responsible for the processing of New credit Agreements and Modifications of credit lines and loans for CRE, and Private Equity purposes. • Provided a valuation of all client assets under custody managment of the bank being used as collateral.• Reviewed individual borrowwer an entity supporting loan application documents including Corporate Articles, Dba Documentation etc.• Processed new loan drawn downs and Libor rollovers.• Entered new covenant changes into loan system • Performed compliance audits for branch relationship team. Including REG B compliance audit.• Utilized a RORAC application to process financial analysis using client source documents and internal bank asset information. • Provided Senior Lenders with assistance in all facets of KYC checks and other administrative duties. • Prepared and presented credit summaries offering valuable observations and facts of client bank relationship to senior management. • Prepared daily Under Margin report for Senior Management.• Daily interactions with Borrowers, Attorney's for Borrower and accountants.

Loan operations (used Loan IQ): Responsible for servicing loans and Letters of Credit for a large energy client portfolio.• Daily duties included building Revolving and Term Loan facilities in the Loan IQ data base. •Loan draw-downs, payment postings to loans, processing facility fees, cycle share adjustments, adjusting lender shares, manual G/L postings and other service related tasks. • Daily suspense account reconciliation, monitoring and acting on WIP items.• Daily Interaction with Relationship Management and Executive bank Management• Working with Agent Banks and other Syndicate member to collect documents share information and achieving Precedence Set status.