Sheena Rhead Email & Phone Number

Florida, United States

Tampa/St. Petersburg, Florida Area

Tampa/St. Petersburg, Florida Area

Virginia Beach, Va

As a Commercial Portfolio Manager, I worked directly for an Account Officer whose business portfolio was comprised of complex commercial and individual borrowers. My duties included analyzing and evaluating financial information and underwriting requests for commercial, real estate and consumer loans. I reported findings to the Account Officer and credit administration team to determine loan approval/repayment terms. In addition, I coordinated general banking functions across all stages of a borrowing relationship and serviced any subsequent customer support needs providing a total banking experience.FINANCIAL ANALYSIS: Analyzed financial statements of corporations ensuring creditworthiness in accordance with industry standards; mitigated factors falling outside guidelines. Performed underwriting of commercial borrowing relationships including: credit memo narratives, annual relationship reviews, approvals, credit risk grading, pricing models and investment real estate spreadsheets in accordance with institutional policy. Analyzed guarantors’ financials including: global cash flows, complex personal tax returns and personal financial statements to assess overall repayment ability and to identify alternative repayment sources in the event of default.CUSTOMER SERVICE: Resolved customer service needs including: cash management, electronic banking, commercial deposit accounts and complex research requests. Educated clients on mobile and online banking functions, billing and account statement concerns. Self-motivated individual eager to take initiative while supporting the institution’s mission.COMMUNICATION SKILLS: Maintained effective personal communication skills to establish strong client relationships. Communicated with clients to prevent past due payments and resolve collateral and documentation exceptions to minimize deficiencies. Created a strong network of contacts throughout the organization to expedite departmental functions.

Virginia Beach, Va

As a Commercial Lending Administrative Assistant, I provided high-level administrative support to a Commercial Account Officer by processing clients’ financial information, servicing the banking needs of clients within the lending portfolio, assisting with approval packages, reviewing documentation requirements, perfecting liens on collateral and general administrative functions.ADMINISTRATIVE: Managed multiple administrative functions with a keen ability to organize, prioritize and work within tight deadlines while maintaining accuracy. Processed confidential information for a commercial lending portfolio streamlining credit approval package preparation. Assisted in preparing loan approvals, supporting documentation and perfecting liens on collateral. Generated professional correspondence including: detailed commitment and renewal letters, memos and past due payment correspondence. Used standard office software packages to include Microsoft applications with a proven ability to adapt to new or reprogrammed industry-specific software. Relayed timely messages, booked meetings and planned small events attended by staff and clients.LOAN COORDINATOR: Coordinated complex loan closings with attorneys, title companies, clients and loan operations personnel to resolve unforeseen issues and ensure timely settlements. Ensured real estate appraisals, environmental due diligence and flood certifications were engaged and adhered to regulatory requirements and loan closing time-frame.REPORT FUNCTIONS: Created and manipulated extensive Excel spreadsheets to track new and closed deposit accounts, loans, origination and renewal fees, modification terms, cash management status and various other factors for program reporting. Created numerous reports and highlighted key information to brief Account Officer for proper reporting of regulatory data points. Generated weekly departmental reports to manage past due loans, maturing loans and insurance/documentation exceptions.

Virginia Beach, Va

I performed bank teller functions in one of the bank’s top-producing branches. I handled customers’ deposits, withdrawals, loan payments, credit card cash advances and payments, issued cashier’s checks and sold government bonds, all while maintaining the highest level of security. I provided superior customer service through extensive knowledge of bank products and capitalized on cross-sale opportunities. SECURITY OPERATIONS SPECIALIST: Maintained security and operational procedures to minimize losses. Monitored customer transactions and reported any suspicious activity to the bank’s security department for appropriate follow-up.CROSS-SALE / REFERRALS: Retained and attracted customers through superior service and knowledge of bank products while capitalizing on cross-sale and referral opportunities. Processed clients’ checking, savings and payment transactions making their satisfaction top priority.CURRENCY TRANSACTIONS: Sold money orders, official checks, traveler’s checks, cash advances and government bonds while ensuring data was accurately recorded to adhere to federal regulations. Prepared currency transaction reports and maintained monetary instruments log for applicable transactions. Established an excellent daily balancing record through top-quality performance.

Everett, Wa

As a Trust Operations Specialist, I handled the back-office operations of a bank’s trust department coordinating the needs of trust clients and trust administrators. I specialized in class-action claims and general administrative duties.TRANSACTION ANALYSIS: Balanced system blotter and reconciled all transactions processed on a daily basis. Coordinated cash receipts and disbursements via wire transfer, check and ACH. Processed and balanced note and liability payments to ensure accounts were properly paid. AUDIT FUNCTION: Performed monthly audit of three departmental deposit accounts and thoroughly researched and documented any discrepancies and associated resolutions.ADMINISTRATIVE: Maintained account, contact and asset information in TrustRite software program and an extensive physical filing system. Produced and distributed various departmental reports and statements to administrators and clients in a timely manner. SETTLEMENT PROCESSOR: Processed class-action filings on behalf of clients and handled settlement proceeds received from various lawsuits to ensure settlements were handled efficiently.