Manage commercial loan operations from the Administrative Assistant role while managing 4 administrative assistants. Ensure exceptions for the State of NM are maintained and cleared, track annual reviews and renewals for completion prior to deadline or maturity for NM. Prepare reports for the Commercial Lending team in NM. Provide administrative support to the NM Commercial Banking Team Leader.

Responsible for assisting Relationship Managers in underwriting annual reviews. Additional responsibilities include assisting customers with any questions they have on their loans or deposit accounts. Also, assist with reporting to upper management on upcoming annual reviews or renewals, projections on grade changes as well as 90 day forecasts. Responsible for ensuring loan documents match approval, monitoring system for exceptions and all terms and conditions are within policy.

Responsible for attaining and exceeding deposit and loan growth goals. Provide excellent service to guests. Also, prospect, sell, underwrite, close and monitor residential construction loans and consumer loans with special emphasis on Home Equity Loans and Lines of Credit. Responsibilities also include the servicing the existing portfolio of consumer and commercial loans. Cross-sell bank and mortgage products to help Guests meet their financial goals and assist with retail bank coverage and guest service and problem solving.

Responsible for providing administrative and clerical support to lenders in the management of commercial and real estate loan portfolios including scanning the loan documentation, filing documentation in loan files, calling on the technical exceptions, and adhering to policies and procedures. Also, proficient in providing general lending information to customers; taking and preparing loan applications for credit approval; disbursing approved loans; providing customer services related to the lender’s commercial and real estate loan customers and potential customers. Creates and prepares multiple reports for management. Skillful in generating new business through cross-selling bank products.

Conduct Post Funding review of commercial and consumer collateralized loans to ensure compliance with bank policy, state regulations and federal regulations across three states. Discuss possible problems and exceptions found in post funding review with lending personnel. Configure new loan requests and set requirements in accordance with bank policy and regulations. Provide internal and external customer service as requested from customers and loan staff requiring research of loan information, loan transactions and inquiries.

Managed cross-functional team to implement mystery shop customer service program across four states in 61 branches. Provide ongoing operational support to program since inception. Support ongoing policy and procedural documentation, including loan policy, operational policy, and forms. Manage departmental expenses for 10-person department. Represent Operations & Technology group as project liaison with other departments. Prepare and analyze various monthly reports of financial and transactional data.

Assisted in the preparation of loan, deposit, expense and salary budget for the New Mexico Region. Processed loan documents, fees and payments. Prepared research and implemented charitable contribution request to determine if CRA qualified. Researched customer’s and branch manager’s requests.

Prepared loan documents for various types of loans and provided support until loan was closed. Reviewed loan documents for accuracy. Obtained customer signature and funded both consumer and commercial loans. Prepared various reports for the board of directors. Analyzed financial statements and tax returns for consumer and businesses, as well as prepared cash flow statements.