Marilee O Gomez

Some of the major tasks consist of, but are not limited to the following:

• Contact escrow/title officers to address concerns regarding title issues. Identify key risk factors regarding exceptions and agreements of record that may surface in preliminary title reports.
• Compile required financial and collateral documentation for various loan types.
• Request, compile and review various legal entity borrowing structures such as Corp., LLC, LP, Partnerships etc.
• Obtain and review various reports, such as personal and business credit reports, flood and environmental reports, evidence of hazard, liability, and business personal insurance, and UCC searches. Identify risks and notify Relationship Manager and Underwriter as appropriate.
• Ensure all related compliance concerns for Income Property lending, including, but not limited to Reg B monitoring, Withdrawn and Declined Procedures, and other rules and regulations associated with lending functions.
• Work with Relationship Manager(s), Underwriter(s), Loan Operations and other third parties to address issues, obtain required information and documentation through funding for a successful close.

In addition to the above, I am tasked with assisting the Financial Analysts and underwriters with reviewing and imaging financials sent in, as well as assisting our Special Assets Manager with problem loans.

• Collaborated with underwriters to expedite the approval process for commercial loans.
• Achieved cost savings through successful negotiations with external service providers such as appraisers and title companies.
• Delivered consistent results under tight deadlines using strong organizational skills and an ability to prioritize tasks effectively.
• Provided exceptional support to senior management during audits and regulator reviews, demonstrating expertise in relevant policies, procedures, and regulations.

• Board all types of commercial loans onto the Bank’s core system including new loans, renewals, extensions, and modifications.
• Perform loan file maintenance changes (monetary and non-monetary) on the Bank’s core system, as needed.
• Prepare and complete loan files for document imaging, ensuring timely and accurate imaging.
• Perform daily general ledger reconciliations.
• Assist with the collection and review of flood insurance.
• Process Loan Index Rate changes on the Bank’s core processing and documentation systems.
• Process all loan monetary transactions including but not limited to loan funding, loan payments, loan disbursements, loan escrow disbursements, and loan payoffs.
• Review Core system reports, as assigned, to identify issues and correct errors.
• Maintain and keep current all insurance policies related to real property, personal property, and liability in conjunction with a third-party vendor.
• Follow up for collateral documents and loan exceptions; maintain accurate tracking reports.
• Prepare demand payoffs and process paid loans including the release of collateral.
• Review and process UCC Filings and Continuations.
• Provide customer service, handle customer complaints and resolve problems.

• Process all types of transactions related to deposit accounts (examples: deposits, withdrawals, cashier’s check purchases, wire transfers, etc.).
• Ensure cash limits are observed and teller and branch cash is balanced daily.
• Review corrections, large items and 2 signatures required.
• Balance ATM and vault.
• Properly record transactions for account analysis.
• Perform item capture duties, as needed.
• Open new consumer and business deposit accounts in accordance with policies and legal requirements.
• Prepare and maintain appropriate documentation for all deposit products and services (examples: deposit accounts, online banking, wire transfers agreements, Positive Pay agreements, ACH agreements, Business Online Banking).
• Analyze customer relationships for the purpose of recommending products to the customer (such as online banking, remote deposit; Positive Pay and overdraft protection).
• Analyze customer relationships for the purpose of recommending rate increases and waivers to the managers.
• Perform account maintenance (examples: signer changes, vesting changes, address changes, email addresses, telephone updates, updating customer identification information).
• Maintain advanced knowledge of all deposit related products and services.
• Consumer Online Banking: Set up of new consumer and business users and maintenance (examples of maintenance: address changes, telephone numbers, adding sub users, company administration modifications).
• Business Online Banking: Performing password changes.