Kristen Prawl Email & Phone Number

Astoria, New York

Credit Administration Manager / FVPAlma Bank (Astoria, NY) Assistant Credit Administration Manager May 2019 - Present• Supervises a team of Loan Processors and Closers making up the Credit Admin Department.• Oversees and assists the closing process of CRE, Construction, Commercial & Industrial, Owner-Occupied, Small Business and Consumer Loans.• Ensures bank policies and regulations are adhered to in the closing, funding and booking process.• Oversees and assists the Loan Processing department, including the review of new loan submissions, ordering reports, appraisals and environmental evaluations.• Monitors the Reg B notification requirements for loan applications, to ensure the regulation is followed precisely.• Assists in preparation and review of Commitment Letters.• Acts as a resource to the underwriters, advising on collateral and documentation requirements.• Acts as a Liaison between closing attorneys, lending staff, senior executives and committee members tocommunicate pipeline status and projected closings.• Acts as Secretary of the Management/Directors Loan Committees, attending and taking minutes for all Committee meetings.C&I, SBA and Small Business Loan Closer / AVPNovember 2016-April 2019• Responsible for closing all C&I, SBA, Owner-occupied, Participation, Small Business and Consumer Loans.• Responsible for all renewals, extensions, modifications of all C&I, Owner-Occupied, Participation and Small Business loans.• Responsible for clearing all underwriting, regulatory and policy requirements prior to closing.• Responsible for scheduling and facilitating closings with the bank’s attorneys, lending staff, underwritingdepartment and loan operations.• Responsible for funding and booking.• Acted as liaison between Windsor Advantage, bank attorneys and lending staff for all SBA loans.• Reviewed SBA Authorizations and ensured all conditions were met to ensure SBA Guaranty would beobtained.

Tampa, Florida

• Ordered, reviewed and compiled all due diligence for commercial loans, post-underwriting.• Excelled in oral and written communication, while acting as liaison between the lending staff, internal credit and policy departments, vendors, attorneys and customers.• Demonstrated strong problem-solving skills to clear hurdles in the due diligence process of closingcommercial loans.• Quickly built rapport with all of the Relationship Managers and their staff, earning their trust and respect.• Maintained zero policy exceptions, therefore ensuring efficient collateral perfection and protection of theBank.• Responsible for training and mentoring newly added Closing Specialists.

• Performed supervisory tasks and coordinated/performed training for a team of six Commercial Loan Specialists, in three states.• Administered high impact one-on-one coaching sessions with direct reports, on a monthly basis.• Reviewed and analyzed the team’s workflow output, pending pipeline and monthly statistics with respect to loan closing weighted averages, exceptions, boarding data integrity and database maintenance.• Monitor team compliance with stipulated Service Level Agreements (SLA).• Hold bi-monthly team meetings to discuss process improvement, pertinent changes to process and/or the organization and production.• Facilitate PTO requests and review/approve time sheets.• Performed ongoing training classes, to continue development of my direct reports.TD Bank (Cherry Hill, NJ) Commercial Loan Specialist III (August 2005 – January 2011)• Ordered, reviewed and compiled all due diligence for commercial loans, post-underwriting.• Received the 2008 WOW! Award for In-market Credit Support Person of the Year for the Philadelphia Metro Market, as well as the 2009 1st Quarter “Ta Da” award for Credit Support Person of the quarter in the South Jersey Region.• Excelled in oral and written communication with customers and demonstrated strong problem-solving skills to clear hurdles in the due diligence process of closing commercial loans.• Selected by management to participate in a Process Improvement Task Force designed to streamlineprocesses and procedures between departments; and by doing so, implemented more cost-effective andtime –efficient ways of doing business.• Maintained zero policy exceptions, therefore ensuring collateral perfections and protection of the Bankthroughout my tenure at TD Bank.• Responsible for training and mentoring newly added Commercial Loan Specialists in the South Jersey andPennsylvania regions.