Tammy Romano
Westminster
Summary
Commercial Loan Closing and Operations manager with significant banking experience, enhancing problem-solving capabilities through a global lens. Demonstrated success in team leadership and relationship management. Achievements include improved performance outcomes through targeted training and procedure enhancements. Skilled in problem resolution and maintaining compliance, consistently driving operational excellence and fostering collaboration across departments.
Overview
35
35
years of professional experience
Work History
Middle Office Manager
Vectra Bank Colorado
06.2021 - Current
- Managed a central team of Commercial Loan Closing Professionals and Commercial Lending Support personnel that supported 6 Lending Units and dozens of Lenders throughout Colorado
- Collaborated with multiple internal departments to problem solve and provide the best possible service to both internal and external customers , while also preserving appropriate risk management
- Provided ongoing Training and Hosted Periodic Informational Meetings for my direct team and the Lending Units that we supported
Credit LEAD Liaison
Vectra Bank Colorado
03.2015 - 05.2021
- Served as the primary point of contact for Colorado Affiliate with our Commercial Lending System.
- Fostered strong relationships between Vectra Bank and our Internal Business Analyst teams
- Coordinated with multiple Bank Affiliates and our System Business Analysts on system enhancement projects
- Provided ongoing Credit LEAD System Training to all Colorado Commercial Lending Personnel,
Special Assets Operations Manager
Vectra Bank Colorado
05.2009 - 02.2015
- Supervised Collection Operations staff to ensure compliance with regulatory standards and company policies.
- Provided ongoing training to Operations Staff, improving recovery rates among Collectors and reducing losses.
- Streamlined tracking and reporting processes for Charge Offs and Recoveries. enhancing operational efficiency.
- Improved the delivery of information to key stakeholders by enhancing reporting accuracy and speed
- Optimized accuracy and efficiency of OREO tracking through process improvements.
Lead Commercial Loan Closer
Vectra Bank Colorado
04.2000 - 04.2009
- Provided Closing and Customer Support leadership for a team of 7 Commercial Lenders and 2 other Loan Assistants.
- Ensured consistent adherence to departmental procedures and commercial loan closing requirements.
- Acted as attorney closer on complex loans, participating in language negotiations with borrowers and lenders.
- Verified final loan documents aligned with bank approvals and complied with policies.
Commercial Loan Assistant
Vectra Bank Colorado
07.1993 - 03.2000
- Supported two Commercial Lenders across diverse lending functions.
- Delivered personalized customer service for Commercial Loan and Deposit Portfolio.
- Assisted with underwriting by spreading financial statements and tax returns and providing key ratios.
- Reviewed approved credit presentations to identify due diligence required for Loan Closing.
- Communicated daily with customers to gather information and finalize paperwork.
- Ensured the accuracy of Loan Documents and facilitated in person Loan Closings with borrowers.
- Accompanied Lender on calls with existing and prospective customers regularly.
- Managed prompt execution of all Commercial Loan collateral lien perfection and release processes.
Personal Banker
Vectra Bank Colorado
05.1990 - 06.1993
- Utilized strong interpersonal communication skills during client interactions, resulting in long-lasting relationships and new revenue opportunities for the Bank.
- Facilitated the setup and closure of deposit accounts for Consumer and Commercial customers, alongside cross-selling various additional products and services.
- Assisted Consumer borrowers through loan application completion and loan closing
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
Education
High School Diploma -
Iver C Ranum
Skills
- Strong Loan Operations Management
- Team supervision
- Strong Decision-making
- Strong Organizational & Process skills
- Workflow Planning
- Teamwork and Collaboration
- Relationship building
- Training and Coaching
- Team development
- Clear oral/written communication skills
- Conflict management
- Problem resolution
- Loan Documentation expertise
Timeline
Middle Office Manager
Vectra Bank Colorado
06.2021 - Current
Credit LEAD Liaison
Vectra Bank Colorado
03.2015 - 05.2021
Special Assets Operations Manager
Vectra Bank Colorado
05.2009 - 02.2015
Lead Commercial Loan Closer
Vectra Bank Colorado
04.2000 - 04.2009
Commercial Loan Assistant
Vectra Bank Colorado
07.1993 - 03.2000
Personal Banker
Vectra Bank Colorado
05.1990 - 06.1993
High School Diploma -
Iver C Ranum
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