• Ensuring that closeout and/or settlement netting and collateral terms are appropriately applied to counterparty-level exposure calculations.• Responsible for identifying relevant data elements from master netting and collateral agreements (i.e., ISDA, Credit Support Annex (CSA), Foreign Exchange Master Agreement (FXMA), Master Repurchase Agreement (MRA), Master Securities Forward Exchange Transaction Agreement (MSFTA), Master Securities Loan Agreement (MSLA), Global Master Securities Loan Agreement (GMSLA), Rate Cap Agreements, Prime Brokerage and Margin Lending Agreements), and in-house counsel’s netting and collateral opinions.• Research Counterparty’s legal agreements in SalesForce and DocForce and review master agreements and credit support annexes for pre-defined information, assessing the completeness and accuracy of the information, entering pre-defined terms into SunGard/Adaptiv and CoRS, working with Legal to obtain netting and collateral enforceability opinions where applicable, and creating appropriate netting and collateral pools in SunGard/Adaptiv and CoRS on a daily basis. • Review agreements for eligibility of counterparty type and approved jurisdiction, escalating to Legal if outside of normal reviews. • Partner and work with Legal, Documentation and Risk Management to resolve issues and assess the enforceability of existing master netting and collateral agreements.• Work with Business Data Service and Collateral Operations teams to resolve any customer account issues in WCIS and collateral pool set-up issues.• Performs analysis of findings and trends using statistical and/or financial analysis, modeling, process documentation, profitability analysis, etc.; summarizes and presents findings to increase revenue, reduce expense, maximize operational efficiency, quality, compliance, etc.• Provide secondary review of colleagues’ netting review to ensure netting was applied accurately, making corrections where necessary.

• Assist the Trade and Assignment Desk Credit Services Representatives in coordinating assignment activity in the primary and secondary market.• Responsible for understanding product data and trade lifecycles and gathering requirements for setting up loan trade deals in LoanIQ and ClearPar/Markit.• Initiate trade assignments by transferring lending obligation from selling investor to a buying investor, based on the terms indicated in the credit agreement.• Serve as the primary point of contact for our Prime Brokers and Broker Dealers to ensure Syndication Loan Servicing and Trade Association, Inc. guidelines are in compliance, counterparty eligibility and legal documentation conformity with the terms established in the original credit agreement and entries booked on system of record.• Review legal documents for team members while being an Authorized Agent Signatory for the team. • Pull and review the Daily Settled Trade Report for errors and open loans and reverse loans that did not close in the system the prior day.• Recognize and coordinate Derivatives settlement, such as stocks, bonds and commodities with assigned negotiator/closer. • Point of contact for primary Loan servicing syndication project management, research any balance trade loans and provide position confirmation to buyers/sells for Loan deals including capital markets to ensure Risk exposure is minimum.• Evaluate the Assignment and Assumption Agreements to ensure loan amounts, signors and all related parties match the details in the loan system and contact the appropriate Closer to correct any inconsistencies and add buyers and sellers where applicable to accurately complete loan transaction to move pending status to close.• Develop and maintain solid working relationships with our Sales and Trading, Middle and Back Office Support, Reconciliations, Collateral and Finance teams to ensure all trade activity is accurate and settled simultaneously.

• Gathered requirements for operating statements and related financial statements of commercial income-producing properties and sponsors, including identifying and researching variances, normalizing and otherwise adjusting the statements, per lender requirements and prepare the resulting reports to the lender in a timely manner. • Reviewed loan agreements for Commercial Mortgage Backed Securities (CMBS) and set up covenant tracking for loan servicing to ensure borrower is in compliance with providing required financial documents including cash reserve requirements and loan certifications on a monthly, quarterly and yearly basis in order to minimize risk exposure.• Examined and record rent rolls and lease summaries of referenced properties to identify potential loss of revenue due to upcoming lease expirations or other occupancy issues.• Effectively communicate variances, operating issues, potential lease rollover and other negative property performance issues to Commercial Mortgage Servicing Asset Management for further review and research.• Reviewed the real estate property tax and insurance payments on commercial loans and adjusted analysis based on payable and reported escrowed quarterly or yearly tax amounts.• Occasionally perform (or review third-party) property inspections to verify sufficient maintenance of collateral, identify and report life safety issues, and other items of deferred maintenance.

• Completed license endorsements and new resident and non-resident license applications for individual insurance agents while maintaining database of individual agent licenses.• Ensured insurance agents’ new non-resident license requests reciprocated their existing lines of authority, i.e., Property and Casualty, Property and Allied Lines, Casualty and Surety Life, Accident and Health, Life and Annuity, etc.• Coordinated and completed annual continuing education and other filings for individual resident and non-resident licensees. • Obtained new qualifications and acted as a liaison with resident agents; disseminating license information on license status and new regulations and procedures to licensees; expensing charges in Concur.• Worked with insurance companies to complete non-resident Carrier appointments.• Responded to written and telephone inquiries from licensees, department of insurance and insurance companies.

• Managed the details of all Real Estate transactions and the coordination of purchases and sales of properties including documentation, escrow, and due diligence coordination. • Gathered agent agreements from the client to list the homes on the market, utilized CRM tools and cloud services for extracting documents. • Responsible for loan servicing, effectively managed and communicated closings, inspections and appraisal dates and deadlines to all appropriate parties.• Researched and obtained copies of documents in the public domain, such as Realist, the Registers of Deeds, Clerks of Court, or tax offices to determine any legality issues.• Checked license renewal records and other personnel information pertaining to brokers.• Monitored and assessed the progress of the sale so that important deadlines are met and contingencies are released.• Conducted audit reviews on files to ensure the accuracy and completeness of files.

• Reviewed and analyzed items received to ensure file is accurately documented to perfect security interest in collateral property and decided when loan file was ready to close. • Gathered financial data from client in order to provide loan servicing to refinance the mortgage or obtain new mortgage for loans.• Partnered and interfaced with loan analysts, underwriters, internal and external counsels, brokers, capital markets and controllers to accomplish accurate and timely closing and funding of loan transactions in accordance with credit approval memorandums.• Served as a liaison between Legal Counsel, Escrow, Title, deal team, and all interested parties to coordinate document preparation, loan signing, funding, closing and post-closing process management.• Managed deal teams expectations in regards to the coordination and closing of the loan and provided insight and ideas to complex problems.• Prepared and updated HUD settlement statements, escrow and insurance documentation, and any outstanding loan conditions for customers’ loan servicing.

• Managed and supervised a team that provides client support to commercial or small business loans secured by real estate to include loan servicing production and monitoring, documentation, and pre-closing/closing tasks. • Responsible for or participated in the hiring and processing I-9 forms, coaching, developing and supervising of team members, including decisions relative to employee performance evaluations, terminations, hires, discipline, salary actions, etc.• Created work procedures and methods to ensure compliance with Wells Fargo, legal, investor, regulatory, and/or business policies which directly affect the work unit, other departments or outside customers regarding loan servicing.• Monitored and evaluated employee’s inbound telephone calls to ensure quality customer service and productivity standards goals are met efficiently and effectively.• Managed yearly budget, quality control processes and projects that primarily impacted functional areas or specific departments. • Initiated implementing research descriptions and for Human Resources related issues for peer managers and upper level management to effectively handle disciplinary actions more efficiently.• Implemented and directed Escalation Team project to quickly resolve customer’s complaints before the customers’ loan servicing needs were escalated to management until completion of project.

• Performed loan level reviews of a host of consumer loan applications including credit cards, personal loans, automobiles, and credit line increase requests to ensure loan decisions are supported with proper documentation and all business standards are followed.• Reviewed internal loan servicing processes to ensure compliance with internal company requirements and government regulations.• Ensured identified risks and/or problems are clearly documented and interacted with appropriate parties for timely resolution and test methodologies to ensure system standards were adequate.• Monitored and rate inbound telephone calls to ensure quality customer service and that all customers’ loan servicing needs were met accordingly.• Resolved disputes and provided workable solutions to appropriate contacts regarding any identified material deficiencies or inconsistencies.

• Focused on the customer experience and strive for operational excellence in servicing commercial real estate secured mortgage loans and lines for our customers.• Coordinated and improved process documentation for loan servicing and updated improvements on SharePoint sites for audit purposes. • Monitored quality and productivity standards and oversee departmental work volume and shared workload during peak volumes.• Assisted with the staff selection and interview process using Online Recruiting to preselect qualified candidates.• Provided direction and coaching to strengthen Team Member performance.• Resolved escalations and other routine problems that may have required research and manager’s approval.• Recommended streamlined process improvements to better meet business goals and continue to meet consumers’ loan servicing needs. • Developed and updated training and learning materials conducive to employee development by gathering cross-departmental processes to ensure gaps or overlaps were minimal or obsolete.

• Served as a subject matter expert for complex commercial real estate secured mortgage loan products and provided service to all Wealth Management channels for customers’ loan servicing requests up to $1M.• Performed pre-underwriting file reviews for accuracy and mortgage loan structures while analyzing tax returns and other financial information.• Identified tax returns issues and communicated findings to customers and their Certified Public Accountants for explanation and/or corrections.• Reviewed commercial loan packages and documentation for completeness for loan servicing and obtained missing financial information by working directly with customers and bankers while meeting service level agreements.• Reviewed and extracted pertinent information from investor and commercial lease agreements, rent rolls, property operating statements to ensure required occupancy and adequate net operating income from collateral properties.• Reviewed property information for possible flood zone issues and placed flood insurance requirements on servicing loans.• Reviewed property real estate title to determine if property taxes were current and escrowed taxes for settlement statement for loan servicing.

• Analyzed the client’s financial condition and recommended alternative or additional financial services to best meet the client’s immediate and long-term business and personal needs with their commercial real estate mortgage loans.• Reviewed all financial reports in addition to collateral property appraisals and determine additional documents needed to service loan requests while supporting central underwriting.• Displayed a sense of detail and the ability to balance work during complicated and constant changing work environment while maintaining account relationships within the Wells Fargo business channels.

• Responsible for the underwriting and settlement of new syndicate issues and maintained extensive documentation of the syndicate loan servicing process and distributed revenue and statement of accounts to outside syndicate members.• Provided support to the trading desk and investment banking teams and funded issuers on settlement date and reconciled deal related revenue while updating general ledger entries for all accounts on a daily basis for loan servicing.• Provided responsive service to customers’ invoice inquiries by researching billing cycles and misapplied payments.

• Assisted line teammates to focus on new business and relationship building by handling the administrative and documentation responsibilities that came with booking loans and managing risk and ensured changes followed through to allocation process.• Responsible for the collection of customer financial statements, i.e., corporate and personal tax returns, audits, and company financial statements and other missing documents as outlined in loan covenant agreements. • Entered client business and personal data in bank spreading models and produced reports for credit partners while providing limited personal and corporate financial statement analysis.

• Ensured the timely and accurate daily settlement processing of Fixed and Equity Securities and monitored both internal and external systems related to all trade settlements. • Researched and reconciled position breaks and account balances and completed journal entries to accurately depict trade settlement figures in Phase 3.• Investigated and resolved trades that failed to achieve settlements by settlement date and acted as a liaison between settlement and trading desks to resolve discrepancies with trade settlements.

• Managed and resolved past due payment issues by consulting with commercial and business banking customers and communicated results to risk line partners to ensure collection.• Opened and closed futures and limits and monitored loan covenant compliance and borrowing base calculations on CLAS while supporting credit analysts.• Maintained positive working relationships with new and existing customers while building solid and trustworthy relationships with Wachovia’s business line partners.

Placed ads for jobs advertised by clients in the local markets, primarily online in local media channels or in local sections of national media outlets.