Renee Obispo

• Supervised daily functions of note maintenance, ensuring duties and responsibilities were current and adverse notices were delivered on time.
• Work with Escrow Companies on closing, funding, and recording Real Estate and Commercial Loans
• Nautilus Certification – Loan files and other loan documents listed as required documents for safekeeping
• Managed administrative functions including new and paid loan files, collateral documents, adverse action notices, disposal of records, verification of deposits letters, swap/hedge loans, and monthly audit reports.
• Work with vendors in ordering appraisals, desk reviews, environmental reports, Phase I & II reports, UCC Searches, Tax Verification, and attorneys.
• Supervised loan support team, providing coaching, support, resources, and development to enhance team effectiveness.
• Process outgoing and incoming wire transfers with the Federal Reserve Bank site GFX.
• Provided notary services for legal documents
• Onboarding and maintenance of all Consumer, Real Estate and Commercial loans into core system.

• Acts on behalf of the Bank’s legal counsel in all collection efforts as they relate to small claims court hearings, notice of foreclosures, and Marshal Sales.
• Monitors loan repayment rate of collection with a success of 70% annually.
• Monitored loan repayment rate, achieving a 70% collection success annually.
• Acts on behalf of the Bank’s legal counsel in all collection efforts as it relates to small claims court hearings, notice of foreclosures, and Marshal Sales.
• Prepares documentation and represent the Bank on all Small Claims cases on matters relating to delinquency and losses.
• Prepares documentation and represents the Bank on all Small Claims cases on matters relating to delinquency and losses.
• Supervises collections team and provides appropriate coaching, support, resources, and development.
• Communicates with collection agency on referred loans and credit cards.
• Monitored compliance with established procedures to maintain operational integrity.
• Performed fieldwork, took photographs, and documented all relevant information.

• Supervised daily functions of note maintenance, ensuring current duties and timely delivery of adverse notices.
• Nautilus certification included loan files and other loan documents for safekeeping.
• Managed administrative functions for new and paid loan files, collateral documents, adverse action notices, record disposal, deposit verification, and monthly audits.

• Ensure the branch is opened regularly as scheduled and that the staff, officers, as well as supplies and equipment in good working order, are available for the efficient operation of the branch.
• Opened the branch according to the established schedule and ensured staff and supplies were ready for efficient operations.
• Ensure staff development, training, and cross-training are to be done and in the most efficient manner possible without jeopardizing the smooth operation of the facility and should be conducted in complete adherence to bank’s policies and procedures.
• Participate in maintaining good customer relations by giving efficient service and in developing new business by acquainting non-customers with bank’s service and present customers with additional services.
• Prepares work schedules and assigns duties to operations personnel to ensure efficient operation of department or branch.
• Interviews, selects, and hires new employees.
• Directs employee training to improve efficiency and ensure conformance with standard procedures and practices.
• Participated in branch marketing activities, promoting bank services and contributing to business development efforts.
• Complies required and special reports on operating functions of department or branch.
• Prepared work schedules and assigned duties to operations personnel, ensuring efficient branch operations.
• Conducts staff meetings of operations personnel, or confers with subordinate personnel to discuss operational problems or explain procedural changes or practices.
• Ensure that the following guides and schedules are complete and are done in a manner consistent with and in complete adherence to all approved policies and procedures including but not limited to UPM:
• Directed employee training programs, enhancing compliance with standard procedures and practices.
• Facilitated staff meetings to address operational issues and procedural updates. of operations personnel, or confers with subordinate personnel to discuss operational problems or explain procedural changes or practices.
• Adheres to all State and Federal Banking Regulations.

• Reviewed and verified all general ledger accounts for accuracy.
• Performed cash counts to ensure accurate inventory of cash on hand.
• Reviewed and certified dormant accounts to confirm their status.
• Evaluated and certified credit life reports for accuracy and compliance.
• Provided operational support during periods of staffing shortages at branches.ed
• Organized branch operations and documents in preparation for upcoming audits.

• Managed real estate loan accounts to ensure compliance with lending requirements while maximizing profitability and minimizing risk.
• Interview loan applicants, collect, and analyze financial and related data to determine the general creditworthiness of the prospect and the merits of the specific loan request.
• Underwrite for approval, counteroffer, or rejection of secured loan applications.
• Prepare Loan Documents and needed disclosures relating to Real Estate Lending
• Conduct loan closing and ensure all financing disclosure statements, closing documents, and borrower-specific information is properly provided and signed by borrower(s)
• Review reports and documents to ensure compliance with Bank’s lending requirements
• Review Insurance documents to ensure sufficient coverage obtained (Home Insurance & Title Insurance)
• Coordinate the ordering of necessary reports – i.e. appraisal reports, preliminary title reports, home inspection reports, etc.
• Provide assistance to other departments regarding Real Estate Lending and its requirements
• Inspect and Monitor construction request and drawdowns. May visit and inspect borrower properties and homes for verification and evaluation.
• Coordinate the ordering of necessary reports – i.e appraisal reports, preliminary title reports, home inspection reports, etc.
• Monitor loan repayment activities and take necessary action to collect from past due accounts.
• Developed new business opportunities through proactive outreach to prospects and customers, successfully cross-selling bank services.
• Participate in community affairs to increase the bank’s visibility and to enhance new business opportunities.
• Advise customers on business management and financial matters.
• Serve as a contact officer for non-borrowing accounts and loan customers for matters relating to other

• Fulfilled requests from team members
• Managed onboarding processes for new banking clients, ensuring smooth account setup and compliance.
• Collaborated with cross-functional teams to streamline account opening procedures and reduce processing times.
• Guided clients through product offerings, enhancing customer satisfaction and retention rates.

• Fulfilled requests promptly
• Processed credit applications, ensuring compliance with bank policies and regulatory requirements.
• Reviewed financial documents for accuracy, identifying discrepancies and resolving issues promptly.
• Maintained detailed records of transactions, enhancing data integrity and retrieval efficiency.

Bachelors Program with a concentration on Human Resources and General Studies