Cecily Gardner Email & Phone Number

Greenville, North Carolina, United States

Washington, North Carolina

Manage the overall function of commercial loan processing for all North Carolina lenders to certify all loans contain the proper approval authority and necessary documentation to close.Process and prepare closing document packages for all non-real estate and real estate secured loans, as well as prepare modifications/renewal requests. Book all new loans and modifications on the system of record with accuracy. Responsible for the disbursement of loan proceeds, collection of loan fees and determining the proper general ledger accounts to credit for audit purposes. Order flood determinations, insurance certificate/binders and UCC’s. Review title commitments to confirm title work is complete and the real estate has been properly searched. Coordinate the clearing of title issues related to closing, certify lien position is secure.Oversee contacting closing attorney for necessary items prior to closing to make certain closings are handled in a timely manner and ensure all loans are properly documented and closed according to established bank policies and procedures.

Greenville, North Carolina Area

Responsible for performing high dollar, time sensitive tasks related to loan documentation review, boarding process, and ongoing maintenance for complex floorplan loans and non-floorplan loans. To include lines of credit, term loans, real estate and construction loans.Understanding of loan structures, problem solving, with a high degree of accuracy to ensure Commercial Dealer Services met compliance requirements, followed documented processes, and satisfied customer expectations. Selected to work on a pilot project combining two functional roles. The pilot role took the component of reviewing legal documentation, credit reports and added it to the boarding process, allowing less handoff with more efficiency. Pointed out key items using my ability to adapt to change and collaborate with team members to make pilot role successful. Completion of loan disbursements and direct communication with manufacturers to facilitate the set up of automated manufacturer drafting.Worked closely with internal business partners, collateral management team, production team, risk team, and sales team to ensure timely and accurate onboarding of loans

Ramstein, Germany

Approved loans within specified lending limits, and refer applications outside those limits to management for approval.Analyzed applicants' financial status and credit to determine feasibility of granting loans. Explained to members the different types of loans and credit options, as well as the terms of those services.Processed the necessary loan documentation for signatures and finalized loan on system.

Cheyenne, Wyoming Area

Reviewed petition and schedules filed, and the proposed plan for all Chapter 13 Bankruptcy cases in the State of Wyoming. Evaluated the calculations and the treatment of classification of creditors within the plan.Entered all claims filed by creditors on system per case. Filed motion to object to claim if necessary. Received and recorded plan payments from debtors and input in the system and prepared bank deposits.Responsible for monthly disbursement checks ranging from $200k-$400k to creditors for all confirmed cases. Prepared and gathered month end reports for accountants, helped enter information for the annual budget and audit.Accountable for filing Notice of Defaults or Motion to Dismiss cases for failure to make plan payments. At the conclusion of the plan, finalized accounting of all payments made, audited the accounting, and prepared a final report for the court.

Cheyenne, Wyoming Area

Ordered support documentation such as title policies, lien searches, flood certifications, credit reports, and appraisals.Coordinated preparation of consumer, real estate, and commercial loan documents with precision.Booked and activated loans on bank systems.Examined files and developed tickler tracking system to ensure loan accuracy, compliance, and completeness. Prepared month end reports for managers and assisted in identifying and resolving any problems.