Pauline Kowalczyk Email & Phone Number

Needham, Massachusetts, United States

Needham, Massachusetts, United States

Norwood, Ma

Loan Support for Commercial, Small Business and Asset Based Lending portfolios. Review and support the end to end process of loan closings from documentation to funding of new loans, renewals and modifications. Prepare boarding sheets, maintain and update existing loans. Liaised with clients, team, attorneys and internal departments. Primary contact for advanced, payments and day-to-day loan servicing duties. Monitor and resolve past due an exception issues.

Asset Based Lending portfolio monitoring for non-conforming ABL lines of credit. Tested Borrowing Base and Accounts Receivables financial information for over 100 clients. Per loan approval guidelines and availability testing requirements adjusted collateral holds, track, analyze and fund ABL lines of credit. Identify contra, ineligible, tainted and other excludable receivables and inventory based on testing requirements. Process advances and payments, review internal approvals and loan documentation to ensure testing accuracy. Assist and notify team and senior management of discrepancies and respond to inquiries related to non-conforming ABL loans in a timely manner. Prepare, distribute and submit various monthly reports to customers, loan officers and upper management.

Boston, Ma

Managed loan portfolio; renewed, set-up, close down, and monitored loans. Set-up underwriting process for treasury approval process, appraisal and due diligence reports. Liaison with clients, team and various internal and external departments. Monitored credit exceptions and financial reporting. Ensured data integrity and credit quality; identified and researched problems, facilitated and resolved servicing problems to completion. Managed and administered commercial loans according to loan agreement and bank policy. Ensured accurate file management, verified data integrity to minimize loan management issues and ensure high customer satisfaction. Reviewed loan documentation prior to loan closings and funding. Obtain evidence for insurance and UCC filings along with other required documents.

Manage distressed loan portfolio renewals and closings, letters of credit, new deposit accounts and maintenance. Monitored overdraft decision process. Collaborated with loan officers, customers and legal counsel to obtain documentation and financial information. primary liaison between customer for Agent bank and Loan Officer. Solid working knowledge of bank loan, deposit and letters of credit systems. Trained new staff on procedures and workflow. Serviced customers; researched and resolved customer problems in timely manner. Reorganized workflow to reduce turnaround time on customer resolution and avoid duplication. Set up new loans on loan system, maintained existing loans. Repriced loans, processed daily activity.

Concentration, Computer Science

Bachelor Of Arts (B.A.), Economics