Oversaw credit underwriting control testing and borrowing base assessments.Key Achievement(s)• Assessed end to end lending process, resulting in self-identification of issues and contributing positively to company targets• Decreased control testing time 87.5%, by optimizing existing technology and aligning to the business process• Increased team engagement scores to top within the company in 12 months by fostering an environment in which team members excelled individually and collectively

Oversaw loan operations responsible for call center, loan booking & servicing, loan documentation, client onboarding, first line monitoring, closing, record retention, and imaging. Key Achievement(s)• Coordinated and planned loan operations workstream for an acquisition, meeting defined targets by implementing strategic initiatives and efficient project management. Audited workstream resulted in no material findings.• Demonstrated agility by orchestrating multiple enterprise-wide initiatives, successfully adjusting resources to deliver quality results on time• Negotiated additional resourcing after assessing and identifying gaps, aligning team capabilities with project demands contributing to delivering on time.• Closed remediation project on time by leveraging the teams’ ideas and incorporating feedback from global and local stakeholders to develop a holistic solution• Remediated over 20 inherited internal audit findings timely by prioritizing key issues and supporting teams to design and implement solutions addressing the root cause

Led Small Business Lending Department responsible for servicing, loan documentation, imaging, exception monitoring, selling, repurchasing, general ledger balancing, general ledger reconciliations, and regulatory reporting.Key Achievement(s) • Administered Small Business Lending technology: core lending, loan documentation, imaging, and lending workflow systems • Liaison to Government agencies ensured program requirements were executed on time and in accordance with applicable guidelines• Sold loans on the secondary market, positively impacting income• Managed software implementation project, completing conversion on time and within budget• Led several small business portfolio acquisitions

Led loan operations responsible for general ledger balancing and reconciliation, regulatory compliance, regulatory reporting, credit life, accounts payable, loan booking & servicing, loan documentation, quality assurance, repossessions, collateral perfection, imaging, & record retention for lending including Commercial, SBA, USDA, FHA, Consumer Non-Real Estate, Consumer Real Estate, Secondary Market Real Estate, and Participations. Key Achievement(s) • Composed and implemented 100% of FDICIA key controls, achieving satisfactory audit results• Increased operating efficiency by automating system integrations, workflows, quality assurance, and monitoring; reducing future resource needs 33% utilizing existing technology • Managed department budget, consistently met or exceeded targets• Served as banks’ lending liaison to State & Federal regulators, internal audit & loan review• Orchestrated multiple bank acquisitions and mergers leading the loan portfolio and systems planning, due diligence, integration, and after care• Oversaw and optimized the bank's lending technology, encompassing core lending, documentation preparation, imaging, and workflow systems; led multiple core system conversions• Oversaw key management and regulatory reporting; past due and non-performing loans, , SBA 1502, USDA reporting, FHA reporting, credit bureau dispute processing

Led loan operations responsible for general ledger balancing and reconciliations, credit life, loan booking & servicing, closing, loan documentation, quality assurance, collateral perfection, imaging, and retention supporting a diverse loan portfolio including Commercial, Consumer, Government guaranteed and real estate loans.Key Achievement(s) • Led project converting 100% of bank loan & customer files to electronic records resulting in on time delivery within budget• Acted as banks’ lending liaison to regulators for state and federal exams and external auditors• Orchestrated bank merger leading the loan portfolio and systems integration, coordinating due diligence, and steering the subsequent loan portfolio and system conversions.• Activated multiple advanced technology solutions relevant to the environment and regulatory requirements boosting efficiency and reducing cost• Oversaw key management and regulatory reporting; calculated cost of funds and non-performing loans, providing industry-standard reporting for the CFO, regulatory bodies, SBA 1502, HMDA LAR, credit bureau disputes, and pledging of loans, multiple management and committee reporting relevant to the institution• Developed and executed a comprehensive Business Impact Analysis covering 100% of core lending processes for disaster recovery, ensuring strategic risk management and business continuity• Assessed loans for adherence to credit policy and regulatory compliance prior to closing, significantly enhancing exception management and ensuring rigorous standards were met