Sandra Higgins Email & Phone Number

Brockton Ma

♦ Supporting the Loan Officers in Asset Based Lending and Dealer Floor Plan Coordinate loan closings with Loan Officers, Attorney’s and in-house legal team Manage loan maturities for all of our customers, extension, renewals, modifications Support our customers with issues, advances, transfers, requests ♦ Utilize the AFS and CB Forex systems to analyze and process commercial foreign currency loans and loan transactions for the FX portfolio. ♦ Transactions include new loan bookings, maintenance, payments, advances and foreign currency adjustments. ♦ Communicate directly with the FX Trading partners and internal customers and perform moderately complex research for customer issues. ♦ Review, update and write departmental procedures and training guides, and assist manager with high level research and special projects as requested. ♦ Adhere to regulatory as well as corporate policy requirements for commercial lending, credit risk and operational risk. ♦ Utilize the AFS and CB Forex systems to analyze and process commercial foreign currency loans and loan transactions for the FX portfolio. ♦ Transactions include new loan bookings, maintenance, payments, advances and foreign currency adjustments. ♦ Communicate directly with the FX Trading partners and internal customers and perform moderately complex research for customer issues and follow through to resolution. ♦ Review, update and write departmental procedures and training guides, and assist manager with high level research and special projects as requested. ♦ General ledger reconcilement duties and peer work review. ♦ Adheres to regulatory as well as corporate policy requirements for commercial lending, credit risk and operational risk.

Greater Boston Area

SALES SUPPORT ASSOCIATE Supporting The Relationship Managers on our team♦ Customer Service to the RM’s customers on our team, solving customer issues, rebates, new account openings♦ Loan Documentation, send financials to BCS, obtaining SPREADS, utilizing AFS for loan informationDEPOSIT SPECIALIST/COMMERCIAL BANKING CLIENT SERVICES (2010-2013) Boston, CranstonDaily customer service for my portfolio as well as helping with my colleagues portfolio♦ 100+ Commercial Clients assigned to my portfolio♦ Initiated, researched and input wire transfers on a daily basis♦ Extensive research on client’s transactions including deposits, checks, wire transfers, ACH, fees♦ Preparing paperwork for new account openings, changes to wire agreement, account maintenance♦ Daily interactions with Cash Management, Relationship Managers and various internal departmentsTEAM LEADER IN EIP (2007-2010) RiversidePrint, distribute and work on daily cash letters of un-posted work from Vector System. ♦ Work all of the un-posted cash letters ranging from returned checks, payments, customer corrections etc.♦ Trained 2nd shift clerks on how to work the items on un-posted cash lettersVector ExceptionsETS BALANCING TEAM LEADER (2004-2007) RiversideManage work flow of the Balancing Team to meet nightly deadlines. Assisted clerks with various questions pertaining to customer deposit, payments, and teller work.♦ Train clerks on ETS balancing system♦ Keep nightly stats on volume and time of work flow to meet SLA’s♦ Traveled to Cleveland to train clerks on new ETS system♦ Trained colleagues from India on Balancing SystemCUSTOMER CORRECTIONS TEAM LEADER, Proof Dept. (2002 – 2004) RiversideOversee nightly workflow of Customer Corrections (APCS). ♦ Adjust APCS system to best fit internal and external customers for Citizens; BDA’s, customer correction tickets, ATM correction tickets, $50 and under tickets.CSG OPERATIONS CLERK V (2001 – 2002) Riverside