Summary
Overview
Work History
Skills
Training
Timeline
Generic

LA'TEESA HAYNES

Phoenix,AZ

Summary

Professional loan closing officer with deep expertise in closing 7a, 504, and express sba loans. Proven ability to navigate complex documentation, ensure compliance with regulatory standards, and facilitate smooth transactions. Strong focus on team collaboration, flexibility with changing needs, and achieving results. Known for reliability, excellent communication, and organizational skills. Professional loan processing specialist with deep expertise in closing residential and commercial loans. Proven ability to navigate complex documentation, ensure compliance with regulatory standards, and facilitate smooth transactions. Strong focus on team collaboration, flexibility with changing needs, and achieving results. Known for reliability, excellent communication, and organizational skills.

Overview

19
19
years of professional experience

Work History

SBA Loan Closer III

First Internet Bank of Indiana
08.2022 - Current
  • Demonstrated adaptability by successfully managing various loan closing tasks across both residential and commercial lending sectors.
  • Stayed up-to-date on industry regulatory changes and best practices in order to maintain compliance at all times during loan closings.
  • Maintained comprehensive knowledge of various loan products offered by the company, enabling effective guidance for clients seeking appropriate financing solutions.
  • Utilized advanced organizational skills to manage multiple files simultaneously, prioritizing tasks based on urgency and importance.
  • Leveraged excellent interpersonal skills when interacting with clients, building rapport and trust throughout the entire lending process.
  • Contributed to the overall success of the company by consistently meeting departmental goals and exceeding client expectations.
  • Coordinated scheduling of closing appointments with multiple parties involved, streamlining the entire loan closing process.
  • Proactively resolved any issues that arose during the closing process, ensuring a smooth transaction for all parties involved.
  • Developed strong relationships with title companies, real estate agents, and attorneys to facilitate seamless loan closings.
  • Enhanced customer satisfaction with timely and accurate completion of all loan closing tasks, including verifying documentation and ensuring compliance with regulations.
  • Reviewed titles, insurance and flood zone certifications to meet closing standards for each property.
  • Delivered positive customer experiences and successful deal closures through open, constructive communications.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Managed high volume of loans while maintaining strict attention to detail and consistently meeting deadlines.
  • Worked closely with funding department to ensure prompt disbursement of funds following successful loan closings.
  • Ensured accuracy of closing documents by thoroughly reviewing all relevant information prior to client signing appointments.

Loan Closing Officer VI

Wells Fargo Small Business Admin
03.2015 - 07.2022
  • Process SBA loans, order title reports, prepare loan documents for closing.
  • Coordinate closings, funding, subsequent follow-ups with customers, title companies, business development officers, underwriters and management, liaison between lenders and legal departments.
  • Review complex loan packages to ensure compliance with company policies and procedures for loan processing.
  • Review credit approvals to make sure all requirements are met for loan closing.
  • Manage a pipeline of 18-24 loans a month of 7A, 504, Construction, Express SBA loan programs.
  • Strong understanding of SBA loan products and guidelines.
  • Knowledge of the SBA organizational structure and process.
  • Exceptional organizational skills with proven ability to multi-task in order to effectively frequent demands caused by deadlines and heavy work loads.
  • Responsible for managing loans for multi-department progression including Legal, Credit, Title, and Audit.

KYC/AML Analyst

JPMorgan Chase & Co.
03.2013 - 01.2015
  • Reviewed Consumer customers identified as requiring further analysis and made risk decisions based upon Know Your Customer (KYC) standards.
  • Determined and implemented additional steps, validating KYC risk compliance based on research of customer records, verification of account purpose and legitimacy, analysis of transaction activity.
  • Conducted reviews of client documentation and information obtained by client contacts within the business units.
  • Ensured that information obtained was consistent with BSA/AML Policy and Procedures and satisfied regulatory requirements.
  • Performed additional tasks as assigned, improving the effective administration of the AML and KYC Policies.

Manage Asset Officer I

JPMorgan Chase & Co.
09.2007 - 03.2013
  • Managed a portfolio of 100+ small business loan accounts once transferred from collections and was the main point of contact for the borrower.
  • Analyzed customer’s financials and made recommendations on loan modifications to resolve delinquency.
  • Completed offsets out of personal bank accounts to bring the account current. Re-wrote the lines of credit, bringing the account current and avoiding charge off.
  • Ordered required documents for the modification process (UCC Filings, Flood Certificates, Lien Positions, Deeds of Trust, etc) to make sure the package was complete.
  • Reviewed existing loan documentation for errors and omissions, and evaluated client’s financial strength and capacity to repay outstanding debt.
  • Negotiated a satisfactory restructure of the credit facilities and obtained additional collateral as appropriate.
  • Took legal action when necessary to protect interests of the bank.
  • Documented all contacts, agreements and discussions that transpired with the client, outside vendors and attorneys.
  • Adhered to bank terms of approval and policies.

Auto Finance Collector

JPMorgan Chase & Co.
04.2006 - 09.2007
  • Contacted customers, determining reason for payment delinquency and negotiating payment commitment.
  • Completed customer contacts within required performance and quality standards using computerized system for tracking, information gathering, and troubleshooting.
  • Met or exceeded established key performance metrics such as calls per hours, promises taken per hour and dollars collected per hour.
  • Met quality control standards, stayed informed and adhered to changes in policies and procedures when deciding on appropriate collection remedy.

Skills

  • Strong account analysis skills
  • Compliance, banking laws and regulations
  • Proficient in MS Office
  • Self-Motivated
  • Energetic
  • Teamwork and collaboration
  • Excellent communication
  • Multitasking Abilities
  • Attention to detail
  • Problem-solving abilities
  • Task prioritization
  • Closing support

Training

  • Regulatory Compliance
  • Privacy Awareness
  • Credit Bureau Reports
  • Operational Risk
  • Global Sanctions
  • Treating Customers Fairly
  • Diversity in Action
  • Fair Lending
  • Business Resiliency
  • FDCPA
  • Anti-Trust Compliance
  • ADA Compliance
  • Harassment Free Workplace
  • Anti-Money Laundering

Timeline

SBA Loan Closer III

First Internet Bank of Indiana
08.2022 - Current

Loan Closing Officer VI

Wells Fargo Small Business Admin
03.2015 - 07.2022

KYC/AML Analyst

JPMorgan Chase & Co.
03.2013 - 01.2015

Manage Asset Officer I

JPMorgan Chase & Co.
09.2007 - 03.2013

Auto Finance Collector

JPMorgan Chase & Co.
04.2006 - 09.2007

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LA'TEESA HAYNES