Denise Stringer Email & Phone Number

Reno, Nevada, Us

Huntsville, Al, Us

Oversees and participates in the day to day responsibilities of the Loan Operations Department and everything that encompasses. Responsible for all tasks relating to loans, including but not limited to the following: Daily review of loan exception reports and required maintenance, creating and removing loan exception ticklers, file management, loan servicing requests, loan review, processing of insurance exceptions, and releases for paid out loans.

Supervises day to day operations within the Loan Servicing Department. Responsibilities within the department include daily monitoring of a loan servicing queue, loan fundings, booking of loans, daily and monthly account reconciliations, customer based interaction, problem solving, consumer construction draws, releasing of collateral, processing of loan payments and advances, and monitoring of both collateral and insurance.

Responsible for all aspects that lead up to the annual filing of HMDA reportable loans which includes: • Serves as second line of defense• Identifies key risk indicators (KRI) • Reviews loans for procedural and content accuracy • Measures, Monitors, and Reports, to Sr. Compliance Officer, along with the Board of Directors, on a quarterly basis• Reports all HMDA failures to appropriate business lines for file correction• Maintains a good working relationship with all lines of businesses • Provides ongoing training and development for bank employees• Member of the HMDA leadership transition team associated with bank acquisitions• Active in ongoing Compliance training in order to implement upcoming HMDA changes• Ongoing development in place to assume more duties with CRA Administrative Monitoring & Servicing Portfolio Manager Assistant Feb 2012 – June 2015Special Assets Division • Duties included monitoring and servicing a commercial and consumer loan portfolio consisting of 175 performing loans. Aspects of monitoring and servicing duties included: interaction with customers regarding taxes and insurance, past due loans, maturing loans set to renew, paid out loans, loan credit grades, as well as ordering and performing appraisal valuations for real estate and non-real estate loans.• Ensured that all timelines were kept for researching and gathering of all documentation needed for Bankruptcy legal filings and proceedings• Supported multiple Portfolio Managers in the Special Assets Department, providing assistance and administrative support on a daily basis• Proven ability to work in a changing, fast-paced and collaborative environment while maintaining accuracy and meeting established deadlines• Responsible for knowing and adhering to all policies and procedures of the bank as well as the FDIC requirements specific to Loss Share• Actively participated and often leads in ongoing bank audits

Greenville, South Carolina, Us

Served as liaison during acquisition/conversion for the Core Deposit and Loan, Reporting , and Imaging Systems when United Community Bank acquired Southern Community BankTransitioned to the Special Assets Department after acquisition/conversion with extensive duties associated with the FDIC Loss Share Agreement imposed at acquisitionManaged the Loan Operations and Processing Departments ensuring strict adherence to regulatory guidelines and bank policyImplemented procedural and loan documentation changes for the reorganization of the Loan Operations and Loan Processing DepartmentsSupervised 8 employees providing developmental feedback and reviews on assigned dutiesExtensive communication with Executive Management, Commercial Lenders, and Compliance regarding regulatory standards, reporting and loan documentationPerformed detailed review of all loan documentation prior to closingServed as liaison with third-party clients supporting the bank's core systems and applicationsResponsible for the daily and monthly production reports including Loans Coming Due and Documentation Exception ReportsReported directly to the Regional Credit Officer

Managed and supervised 8 employees in the Loan Operations and Loan Processing DepartmentsPrepared credit quality monitoring reports such as the Observation Report and the Allowance for Loan Losses Served as a confidential Committee Secretary on the Board of Directors' Loan Committee and Executive Committee Meetings, recording minutes and ensuring loan approvals were properly endorsed before forwarding to the Loan Closing DepartmentAssisted in the implementation of a new credit approval process for the Credit DepartmentMaintained a workflow pipeline for loans submitted to the Credit Department ensuring efficiency during the entire process from submission to closingRecommended solutions to enhance the document Imaging System Served as Secretary during weekly Problem Asset and Past Due meetingsDuring tenure promoted to Banking Officer, Credit Support Manager, followed by Assistant Vice PresidentReported directly to the Chief Credit Officer

Diploma, Advanced Classes

2 Years, General Studies