SUMMARY:

• Senior executive (senior credit & business analyst & senior loan administrator) with demonstrated excellence in managing multi - billion dollar commercial loan portfolios and engaged in the enhancement project of loan work flow system. Experience in banking, finance, administration and law.
• Top-level experience and knowledge of loan operations, credit facilities and loan products with proven technical proficiencies, and track record of managing multi-billion dollar commercial loan portfolios involving global business giants as customers.
• Proficient in industry best practices and regulations (Bi-lateral, Agency-Syndicated, direct loans,discounted and BF2 loans) Delivered outstanding service to clients (internal and external) and leveraged understanding of loan processing to ensure requests were processed within established credit and departmental guidelines.
• Demonstrated knowledge of bilateral and syndicated loan transactions and automated loan processing systems. Mitigated risks. Outstanding communication, leadership, and customer service skills. Excellent team player.

PROFESSIONAL EXPERIENCE:

Confidential, New York

Credit Analyst & Senior Loan Admin. (Consultant)

Responsibilities:

• Reviews and approves credit administration activities, Update collateral, borrowing base, facility set up including approving and processing loans - syndications, bi-lateral, agented, discounted loans, drawee risk, real estate loans, direct (customer) loans, deposits, guarantees, L/C etc using ACBS 7 GUI system and LIQ.
• Work closely with Business team (middle office, collateral and treasury) to up to date daily rates and facilitate seamless loan operations, also maximize efficiency, communication and team work.
• Ensure all reports, documents, and financial statements are completed, accurate and compliant with policies, procedures, and regulatory requirements and terms and conditions approved by the bank.
• Process accurately and efficiently all out going wires swift, chips, manual wires via CashPlus & PayPlus system. Reconcile and proved all transactions (open & suspense items) using Corona system.
• Approve and updated borrowing base, collateral & covenants as per credit and loan agreement and grid promissory notes. Also review and update borrower grade and ratings. Back up for team-leader and co-workers.

Confidential, New York

Senior Business Analyst (Consultant)

Responsibilities:

• Engage in the enhancement project of Loan Operation workflow system called LoanApp. Collecting and pull together feedback from the users from front office, middle office, back office and treasury for operational work flow.
• My knowledge of long term experiences in loan operations, loan products and in loan credit facilities greatly contributed to the success of this enhancement project.
• Participate in the creation of Business Requirements Document use Case Analysis and Documentation with interaction with Middle office and Front office.
• Create Functional Design Document to ensure business requirements and loan Operations area is organized and coherent for application architects and Test Planning and Coordination.
• Creation of UAT test cases and execution of UAT test cases. Also communication with technical team for enhancement details.
• Creation Scripts. Provide Project Support (Issues Tracking, User ). Create Application Documentation (User Guide, Operations Guide, Manual, etc.).
• Work with business (Front and Middle office, Treasury) and Technical team to facilitate seamless loan operations and to create the detail and functional operational documents.
• Managed and handled corporate commercial loans, syndicated and Bi-lateral Loans, discounted and BF2 loans using Loan App. OVS and ACBS systems.
• Work closely with ITS security and engineering for user ID for OVS and LoanApp access.

Confidential, California

Credit Administration Analyst (Middle Office)

Responsibilities:

• Reviews and approves credit administration activities including approving and processing loans, Syndication loans, bi-lateral loans, agent loans, guarantees and L/C, deposits etc.
• Performs pre and post-execution reviews for consistency between credit agreement, ringi, systems and contractual documents.
• Ensure that all documents and reports are complete, accurate and compliant with policies, procedures, and regulatory requirements and consistent with the terms and conditions approved.
• Review, approve and updated the covenants as per revolving and term agreement and grid promissory note.
• Review and update customer grade and ratings in the OSS system.

Confidential, New York

Loan Admin

Responsibilities:

• Processed loan transactions bi-lateral, syndications (new drawdown, rollover, interest, re-payments, pre-payments, interest, LC, and all fees etc. using ACBS 6.5 system and LIQ.
• Processed all outgoing payments, Swift Chips, and manual wires using GBS system.
• Reconciled, monitored, and proved all income and other sundry accounts using Intellimatch system.

Confidential, New York

Senior Loan Administrator

Responsibilities:

• Responsible for $10 billion loan portfolio and reputed multinational clientele, such as Dole. Smithfield, Cattle credit, Crown International.
• As senior loan administrator, support loan operations through execution of complex bank and customer requests in compliance with terms stipulated in loan agreement (ETS). Processed loan transactions (new drawdown, rollover, rate set, repayments, prepayments, interest and all fees & etc on loan system).
• Process and manage Bi-lateral & Agency- Syndicated loans, review term sheets, expedite notifications to participants on new bookings, roll over, rate/spread change, repayments, prepayments fees, LC issue & amendments etc and update loan system with key data. Perform analysis of term sheet and process credit-related transactions in stringent compliance with comprehensive department policies and procedures utilized ACBS Systems and Loan IQ.
• Effectively respond to customer inquiries from regional offices, customers, managers, and key departments. Respond to client information requests and resolve problems and issues.
• Accurately, effectively and efficiently administer customer transactions. Processed all out going wires Swift, Chips and ACH payments and disburse funds. Advice traders of new funding.
• Tasked with key commercial loan responsibilities—processing, operational, reconciliation, accounting, and other duties. Execute, review booking, funding, and maintenance of deals.
• Mitigate or minimize credit risk/exposure for bank through effective due diligence.
• Accountable for preparing and monitoring regional offices/investors with timely notifications, monitoring of suspense accounts, investigation/resolution of discrepancies, review of ETS, and ensuring loan systems reflect data accurately. Trained associates (interns) for ACBS program and loan IQ for loan servicing.

Confidential, CT

Portfolio Analyst, Loan Servicing

Responsibilities:

• Ensured accuracy and reconciled and proved all transactions, including minimization and prompt settlement of open and suspense items with root cause analysis. Also advice traders of new funding including foreign currency. Prepare all out going wires by Swift, Chips and ACH payments.
• Collaborated with credit and collateral analyst and clients to resolve issues and maximize customer satisfaction and drive operational improvement. Interacted between customer, acct. officer and credit department for any deal closing.
• Backup for team leader and co-workers; maintained up-to-date, well-organized documentation and files. Organized operational functions to maximize efficiency, communication, teamwork.
• Acted as liaison between relationship teams, borrowers and agent banks both domestic and foreign. Worked closely with traders scrutinizing cash position (USD, EURO,GBP $ CAD) and settling break-funding.

Confidential, NY

Senior Loan Administrator (Global Loan Operations).

Responsibilities:

• Provided oversight for Bi-lateral loans, processing and monitoring of direct loans, time deposits, banker’s acceptance, commercial, residential, and OFAC loans using AS/400 system.
• Key liaison between relationship teams, borrowers, and agent banks (domestic and foreign).
• Organized operational functions to maximize efficiency, communication, and teamwork.
• Worked closely with traders, scrutinized cash functions, and resolved/settled breakage deals.
• Posted prime and labor interest, various fees (commitment, facility, L/C).
• Reconciled and proved income and other sundry accounts daily (using Gifts system). Trained staff of four associates for filing, documentation, mail confirmation, and loan input.

Confidential, NY

Customer Service Representative (Operations)

Responsibilities:

• Mainly debit and credit towards customer accounts and ensure high level of service for Confidential 's valued customers. To identify customer daily needs and meet customer needs promptly.
• Opening of new accounts for new in coming customers, consult customers on debit & credits and ask for referrals from them for new customers.
• Tasked with maintaining Banks daily, weekly and monthly customer acquisition target and ran daily activities smoothly. Ensure customer full satisfaction and operational improvement.
• Trained and coached branch other staff and back up. Excellent team player.