Dawn Fields Email & Phone Number

Jacksonville, Florida, United States

Responsible for ensuring first line of defense is operating in compliance with bank policies and procedures and regulatory guidelines. Review loans and transactions within the various portfolios to ensure loans have closed within the constraints of the approved terms, are booked to the system of record accordingly and that any policy exceptions are duly noted and tracked. Maintain records of testing and trending utilized to identify root causes. Collaborate with first line of defense to develop remediation to resolve any gaps in processes or policies. Prepare periodic executive management reports reflecting the population tested; the selection; defect ratios, if any and articulate the findings and any trending that may be evident. Maintain job aids for each audit performed, including the purpose of each audit, tools required to perform said audit, test questions, validation points, and examples. The regulatory testing that is performed, includes but is not limited to: Insider Trading (Reg O); Reg W (Affiliate); Community Reinvestment Act (CRA); Home Mortgage Disclosure Act (HMDA); Servicemembers Civil Relief Act (SCRA); Bank Securities Act/ Anti-Money Laundering (BSA/AML); Office of Foreign Assets Control (OFAC); Customer Information Program (CIP); Know Your Customer (KYC); Flood; Financial Institutions Reform, Recovery & Enforcement Act (FIRREA). Build & maintain rapport with various business partners director of Specialty Lender Finance; Warehouse Finance; Vendor Equipment Finance & Commercial Real Estate, Legal, Compliance, and Technology.

Jacksonville, Florida, United States

Responsible for ensuring first line of defense is operating in compliance with bank policies and procedures and regulatory guidelines. Review loans and transactions within the various portfolios to ensure loans have closed within the constraints of the approved terms, are booked to the system of record accordingly and that any policy exceptions are duly noted and tracked. Maintain records of testing and trending utilized to identify root causes. Collaborate with first line of defense to develop remediation to resolve any gaps in processes or policies. Prepare periodic executive management reports reflecting the population tested; the selection; defect ratios, if any and articulate the findings and any trending that may be evident. Maintain job aids for each audit performed, including the purpose of each audit, tools required to perform said audit, test questions, validation points, and examples. The regulatory testing that is performed, includes but is not limited to: Insider Trading (Reg O); Reg W (Affiliate); Community Reinvestment Act (CRA); Home Mortgage Disclosure Act (HMDA); Servicemembers Civil Relief Act (SCRA); Bank Securities Act/ Anti-Money Laundering (BSA/AML); Office of Foreign Assets Control (OFAC); Customer Information Program (CIP); Know Your Customer (KYC); Flood; Financial Institutions Reform, Recovery & Enforcement Act (FIRREA). Build & maintain rapport with various business partners director of Specialty Lender Finance; Warehouse Finance; Vendor Equipment Finance & Commercial Real Estate, Legal, Compliance, and Technology.

Jacksonville, Florida, United States

Commercial Loan Administrator: Responsible for closing commercial real estate transactions according to the terms and conditions of the approval and bank guidelines. Performed due diligence necessary to ensure compliance with regulatory guidelines including but not limited to: performing searches and obtaining corporate entity documentation (evidence of Good Standing, Articles of Incorporation or Organization; By Laws; Operating Agreements; Partnership Agreements; Resolutions); Flood Zone Determination; ensuring appraisal was obtained, and reviewed by underwriting personnel; perform title search, ordering commitments; reviewing commitments prior to closing and work with title company or counsel to resolve any items that arose; obtain surveys as needed, obtain Leases and Assignments of same; perform UCC Searches – evaluate results for priority secured lending; coordination with counsel, title companies, underwriting, lending officers, and borrowers to close the transaction. Responsible for creating booking sheets to ensure the loan is booked to the servicing system in accordance with the documents executed by the borrower. Monitored and tracked for any trailing items.

Orange Park, Florida, United States

Provided commercial administration expertise to small local and mid-size banks in Florida and southern Georgia. Traveled to various locations to perform audits of the commercial portfolio evaluating for regulatory compliance and adherence to their policies and procedures. Support included communicating if their operations teams were adhering to bank policies & regulatory compliant as well as assisting them with the remediation of or satisfaction of missing items. Prepare the managers for upcoming FDIC Audits, providing them a clear picture of their current portfolio.

Jacksonville, Florida, United States

Responsible for the oversight, production & compliance with managing the commercial portfolio of the bank, this included the insurance monitoring team; UCC Continuations team & the paid loan processing team. Managed a salary budget of $900K; merit increases; periodic incentives; conducted performance evaluations (coaching, mentoring, counseling, advising, hiring, firing, career development). Participated in the development of and facilitated a 5-week training program in Gurgaon, India for the migration of a segment of our commercial support operations. Through a collaborative effort with our Risk Management Team; Legal; Compliance; and Credit, instrumental in the development of policies and procedures for our offshore associates. Led various teams with diverse backgrounds, education, ethnicity & generations in a cross-functional Commercial Operations Team including Small Business Real Estate; Middle Market Closing Teams, pre-merger, post-merger & migration project teams. Frequently evaluated current practices with LEAN & Six Sigma tools to gain the most efficiency possible creating UAT prior to the roll-out in a controlled environment to ensure a smooth transition. Evaluated and defined various process improvements, utilizing project management & process design concepts to refine processes that achieved greater results. Maintained adherence with bank policies and procedures and regulatory guidelines. Prepared teams for internal (Risk Management & Internal Audit) and external (OCC, OTC & FHLB) audits. Met regularly with peers across the organization to make sure we we operating consistently and sharing best practices. Developed a team-wide reward and recognition program to increase productivity, accuracy and employee satisfaction.