Spencer Ulrich Email & Phone Number

Buffalo, New York, United States

Director, Team Lead Payment Processing (Remote) | January 2022 – August 2022• Directed strategic overhaul of team procedures, including development of several Excel models, saving 20 labor hours per week for the department.• Processed complex Payoff + New Loan Setups, requiring judgement-based work over a range of disciplines to support loan servicing decisions.• Approved processing of monthly ACH debt service, Wire disbursement requests, and forbearance reinstatements for organization’s $9.4B AUM.• Led team training, coaching, and development plans for direct reports, assisting also in training for Investor Accounting & Reporting teams.• Prepared supporting documentation for internal and external audits, utilizing PNC Bank’s Enterprise! Loan Management system and Microsoft Excel.• Processed accruals to the general ledger, ensuring accurate recognition of interest in accordance with GAAP, loan documents, and company policy.

Buffalo, New York, United States

Investor Accounting Specialist (Remote) | February 2020 – January 2022• Utilized Enterprise! Bank Account Reconciliation software to resolve variances in General Ledger (GL) and 1,500+ P&I, T&I, and RSV accounts.• Resolved exceptions utilizing various online banking balance reports and directing ACH/Wire money movement transfer requests through Jira.• Tracked credit risk ratings with Standard & Poor’s, Moody's, Fitch, and DBRS Morningstar for firm’s banking partners per Investor requirements.• Assisted Investor Reporting with monthly Investor remittances and reporting by completing analysis & review of all securitizations at a loan-level.• Delivered monthly and quarterly comprehensive financial exhibits to GSE Investors utilizing various Investor website portals.

Payment Processing Associate | December 2018 – February 2020• Reconciled Receipts Clearing account daily, ensuring timely payment posting and maintaining comprehensive records for audit purposes.• Collaborated across internal teams to investigate and resolve ACH, Wire, Check, and ATM/Branch payment discrepancies.• Facilitated efficient cash flow management to appropriate loan accounts, ensuring proper allocation of funds.

Buffalo, New York, United States

Associate Loan Surveillance Manager | December 2017 – December 2018• Monitored $300MM+ portfolio of maturing loans, liaising with Borrowers, GSE Investors, Internal/External Stakeholders, and Third Parties.• Calculated loan Payoff quotations, including Yield Maintenance/Prepayment Penalties and Servicing Fees, for Investor and Borrower submission.• Tracked loan payoff cycle and analyzed loan legal documents to determine appropriate assignment or discharges of mortgages upon completion.• Completed property inspections and prepared collateral reports for the following GSE investors: Fannie Mae, Freddie Mac, and Ginnie Mae.• Constructed risk ratings upon review of borrower Income Statements, Statement of Cash Flows, and Balance Sheets.

Buffalo, New York, United States

CRE Portfolio Analyst | August 2017 – December 2017• Drafted monthly newsletters for internal & external stakeholders analyzing specific multifamily, office, healthcare and retail property investments.• Collected financial exhibits and market data for debt structure modeling and loan analysis of various bridge, mezzanine, and preferred equity deals.• Reviewed PNC Bank’s Enterprise! Loan Management system data for key performance indicator variances requiring increased surveillance.

Buffalo, New York, United States

Senior Financial Analyst• Conducted comprehensive financial analysis utilizing various qualitative & quantitative Morningstar metrics to evaluate mutual fund investments.• Developed ROI summaries of client retirement portfolios, advisor fee schedules, and various ad hoc reports for a $100MM+ book of business.• Maintained financial newsletters via Constant Contact to provide market updates and insights to clients.

La Belle, Florida, United States

Business Development Coordinator & Executive Support (Remote)• Researched diverse business development opportunities in solar energy integration, commercialized hunting programs, livestock operations, citrusgrove management, shipping logistics, produce packaging, and sustainable agriculture practices for a VIP client's 1,000+ acre ranch.• Implemented CattleMax Record Keeping & Management software to optimize cattle herd management and to enhance operational efficiencies.• Prepared Balance Sheet, Profit and Loss (P&L), and Statement of Cash Flows reports using Intuit QuickBooks for review by company Executives.

Buffalo, New York, United States

Accounts Receivable Associate• Supported month-end close process including revenue recognition, accruals/deferrals, & reconciliation of accounts receivable.• Leveraged in-house ERP system & Microsoft Excel to streamline and enhance the end-to-end invoicing process of $99.4MM in annual revenue.• Optimized cash flow efficiency through proactive collections management & resolution of payment discrepancies for 30+ senior care facilities.

Buffalo, New York, United States

Financial Resolutions Specialist• Negotiated monthly payment arrangements and balance-in-full settlements exceeding $150,000 on behalf of the U.S. Department of Education.• Managed compliant collection activities for defaulted student loan debt, ensuring accurate documentation for financial reporting.• Executed skip tracing with LexisNexis & financial statement analyses of borrowers in ERP system to determine eligible loan rehabilitation programs.

Maintained 100% Positive Feedback rating on thousands of sales.

Buffalo, New York, United States

• Consulted customers on appropriate services for their vehicle.• Oversaw a team in a multi-tasked environment to ensure completion of tasks.• Safeguarded customer’s confidential personal information and secured valuables.

Buffalo, New York, United States

• Recommended feedback and suggestions to management in order to improve efficiency of “Helping Hands” department.• Demonstrated understanding of company policy of providing ICS – Incredible Customer Service.• Maintained customer relationships to develop long-term customer life-cycle.• Pursued opportunities by participating in a cross-training program to diversify my knowledge of the company and develop the ability to work in multiple departments.