Stephanie A. Smith Email and Phone Number

•Loan funding, servicing and quality control coordination for 8 branches encompassing the states of WA, OR, ID, CA, UT and HI.•Work directly with branch teams for complete, accurate & timely final audit review of generated loan documents and funding packages for new loans, renewals, extensions and modifications.•Review and balance loan disbursements, settlement statements and equity for final system boarding.•Administer lending compliance and records retention to ensure adherence to all current regulations and high level of performance on audits and exams (Including but not limited to BSA, ECOA, FCRA, Flood, RESPA, & etc.).•Complete due diligence, audit reviews and checklists for loan packages to ensure they are properly documented, collateralized and funded according to written procedures/policies established and maintained while complying with applicable regulations and bank policy standards.•Collaborate with Loan Operations team for special projects and department procedure enhancement.

•Managed diverse lending team process and business operations for all monetary activities in Loan Operations for a local home office branch loan portfolio of performing and non-performing assets.•Oversight and participation of daily workflow to ensure accurate and timely end to end credit support, processing, Laserpro documentation, funding/closing and servicing of new business and consumer loans, renewals, extensions and modifications.•Extensive knowledge of loan processing, risk management, collateral monitoring and lending compliance for a loan portfolio which includes, but is not limited to Commercial Real Estate, C&I, Agricultural, FSA and SBA loans as well as consumer loan products.•Administer lending compliance and records retention to ensure adherence to all current regulations and high level of performance on audits and exams (Including but not limited to BSA, ECOA, FCRA, Flood, RESPA, HMDA, TILA, & etc.).•Ensure written procedures/policies are established and maintained while complying with applicable regulations and bank policy standards.•Worked directly with CCO for monitoring, maintenance and proper processing of government guaranteed reports, REO loans, repos, non-accrual and charged off loan transactions and year end processing.•Collaborate with Executive Management, Credit Administration and Special Assets for special projects. •Assisted in routine DFI/State and FDIC regulatory audits and reviews.

•Managed daily operations of Eastern Region commercial loan processing team which grew from one branch to five branches encompassing WA & OR. •Focus included: hands on participation full scope of loan operations process, Laserpro document quality control review, boarding/funding, servicing, administration, staff supervision, staff supervision, team training, work flow delegations and adherence to loan policy. •Provided leadership to a direct team of three loan processors and liaison relationship between the centralized loan processing and branch lending teams.•Developed loan operations process and procedures including but not limited to: audit controls, checklists, tracking systems, loan documentation, collateral perfection, daily and monthly balancing/certifications.•Implemented higher standards of quality service through employee training, team development, job accountability and recognition of performance.•Project management and consolidation transition support.

•Participated in lending compliance, loan document preparation utilizing Laser Pro software; commercial, real estate secured, agriculture, FSA Guarantee, various SBA programs and consumer loans.•Loan boarding process, collateral perfection, file preparation, review, tickler system and file maintenance.•Provided administrative support to various loan officers including research and verification of client information, preparation and auditing of loan packages, collateral searches and process daily loan transactions.•Primary contact for loan participations, flooring lines and curtailment relationships.•Lead support for staff development, training, quality assurance and regulatory compliance.•Analyzed & submitted annual HMDA reporting

•Management and servicing of a 3-state territory encompassing 16 Bank of the West branches, for the 3rd largest credit card processor in the nation.•Evaluated complex data & credit documents for preparation of cost comparisons & written proposals.•Presentation of sales and implementation of Merchant Bankcard Services.•Acquisition, retention and expansion of client relationships.•Product and services training as well as escalated system issue resolutions.

•Facilitated all banking transactions including cash management services, merchant bankcard services, opening new accounts, loan processing and etc.•Prepared and presented written analyses of cost benefit proposals for existing and potential corporate clientele.•Successfully presented, sold and implemented business and personal banking products.•Provided training and support for banking clients and staff for business and personal products and services

•Facilitated all banking transactions including teller services, opening new member services, payroll direct deposit data input/processing, loan processing and daily system balancing. •Successfully presented, sold and implemented personal banking products.•Provided training and support for members and staff for personal products and services.