Ruth Defrates Email & Phone Number

Roseville, Ca

Responsible for credit and eligibility analysis of applications for SBA 504 loans (real estate and equipment). Recommend approval, decline or withdrawal.• Manage client contact to collect information to complete credit memorandum, establish expectations and manage applicant to meet deadlines.• Spread and analyze financials to test repayment capacity of individuals.• Review personal credit reports to establish debt schedule and repayment capacity.• Complete eligibility tests according to SBA loan program requirements.• Author concise credit memorandum including justifications for Eligibility, Credit, Collateral and Repayment ability.

Sacramento, California Area

Responsible for credit and eligibility analysis of applications for low interest loans to repair homes damaged by natural disasters. Recommend approval, decline or withdrawal.• Managed all client contact during loan processing. Interviewed applicant to collect information to complete credit memorandum, establish expectations and manage applicant to meet deadlines.• Spread and analyze financials to test repayment capacity of individuals.• Reviewed personal credit reports to establish debt schedule and repayment capacity.• Reviewed county assessor websites to confirm applicant ownership of damaged property.• Coordinated with other departments to order flood verification and loss verification visit.• Completed eligibility tests according to SBA loan program requirements.• Researched FEMA records and contacted insurance company to identify possible duplication of benefits.• Authored concise credit memorandum including justifications for Eligibility, Duplication of Benefits, Credit, Collateral and Repayment ability.

Sacramento, California

Managed staff responsible for managing a Commercial loan portfolio of 4,500+ loans with maturities up to 25 years. Primary areas managed included annual borrower financial statement analysis (to test Loan Covenants), Certification of loan Risk Grading (to establish loan loss reserves), customer-initiated loan servicing requests, review of commercial loan appraisals, monthly loan payment collections efforts, management of loan files, selling guaranteed portions of SBA 7a loans, coordinating annual audits by SBA, FDIC and Credit Exam, and managing a customer service 800 line.

Portfolio management, new loan eligibility and documentation processing related to SBA 7a lending for multi-state loan production offices.

St. Louis, Missouri

Master Of Business Administration (Mba), Finance, Gpa 3.7 Of 4.0

Bachelor Of Science (B.S.), Business Administration/Accounting, Gpa Of 4.5 Of 5.0