Hema Rodriguez Email & Phone Number

Lake Mary, Florida, United States

In my current role, I oversee the commercial loan process for the bank, ensuring seamless operations and high-quality customer service. I manage a team of commercial loan specialists, driving efficiency in loan processing and documentation. My responsibilities include ensuring compliance with all regulatory requirements and internal policies while maintaining a focus on delivering exceptional service to our clients. By optimizing workflows and enhancing team collaboration, I strive to improve the overall loan experience and contribute to the bank's growth and success.

Orlando, Florida, United States

Managed diverse commercial loan and REO portfolio comprising of commercial real estate and residential development secured loans. • Implemented effective workout, restructuring, and exit strategies to enhance recoveries for distressed business banking loans, conducting negotiations with customers and stakeholders in a skillful, fair, and ethical manner. • Collaborated closely with various bank groups and line of business segments to resolve problem loan issues.• Supported relationship managers in disposition of bank REO properties, gaining expertise in foreclosure and commercial litigation processes. • Coordinated with professionals, including appraisers, environmental consultants, real estate brokers, and property managers to optimize return on collateral secured loans and assisted relationship managers with annual loan reviews by analyzing borrowers and guarantor financial statements.• Facilitated closing of multi-million dollar Note Sale transaction in third quarter of 2023.• Achieved full recovery on 50% of distressed loans in portfolio through successful loan modifications and collection efforts.• Played key role in mentoring and developing Asset Resolution staff, utilizing effective teaching and coaching skills.• Established comprehensive desktop manual for Commercial REO Department, collaborating with technology support to automate data onboarding and reporting processes to improve efficiency and ensure adherence to regulatory compliance • Coordinated seamless system conversion of Commercial REO portfolio for RBC Bank (USA) and BBVA (USA) bank acquisitions.

Orlando, Florida, United States

Administered Commercial Real Estate construction loan portfolio with unlimited complexity. • Received and processed construction draw requests and worked directly with clients to implement solutions. • Ordered and reviewed title work and third-party site inspections to ensure compliance and mitigate risks. • Prepared and analyzed construction budgets to monitor project progress and financial strength.• Reviewed construction contracts (AIA G702 / 703) and soft cost invoices for accuracy and compliance.• Supported and maintained banking relationships with clients, loan officers, attorneys, and title agents to facilitate smooth transactions and resolve issues promptly.

Cleveland, Ohio, United States

Reviewed and interpreted attorney-prepared Commercial Real Estate (CRE) loan documentation to ensure conformity with credit approvals for various loan types, including syndication / participation, construction, and acquisition and development loans. • Performed quality review on loan packages processed by team and entered relevant loan data into servicing system to maintain data integrity and accuracy.• Conducted training for team on Loan IQ banking system, ensuring adherence to departmental and corporate guidelines, policies, and compliance procedures.

Cleveland, Ohio, United States

Provided loan administration and quality review for complex commercial loans to ensure accurate booking in loan servicing system. • Exemplary in generating commercial loan documentation for diverse business sectors, such as Community Development, Dealer Finance and Small Business Administration (SBA) lending programs, while effectively utilizing the Laser Pro Lending system to maintain accuracy and enhance the efficiency of the closing process, thereby facilitating seamless transactions. • Assisted in testing and implementing application enhancements, collaborating with systems support and reviewed and tested Control and Compliance Assessment (C-CAP) data to ensure adherence to regulatory requirements.

Cleveland, Ohio, United States

Proficiently Managed Loan Payoffs, Resolved Inquiries, and Oversaw Portfolio Activity• Managed FHA, VA, and Conventional loan payoffs with accountability and precision.• Conducted thorough research and efficiently resolved complex customer inquiries.• Assisted in reinstating delinquent loans, ensuring adherence to policies and procedures.• Oversaw all activity, updates, and reconciliation for the ACH portfolio, maintaining accuracy and compliance.• Prepared and processed payments from mortgagors' accounts, ensuring accurate fund transfers to various corporate accounts.