Aron Graterol
Charlotte
Summary
Detail-oriented individual with exceptional communication and project management skills. Proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives.
Overview
12
12
years of professional experience
Work History
Officer; Financial Booking Loan Administrator
Bank of America
08.2024 - Current
- Maintains Dispute per Opportunity (DPO) score of 99% or higher for 12 consecutive months
- Evaluated loan requests and documents to verify accuracy and completeness.
- Sound judgment, logical reasoning and demonstrates strong drive for results and success
- Efficient organizational skills, portfolio management, time management and attention to detail
- Effectively collaborates with business partners and assigned team to foster solid partnerships, teamwork, credibility, and trust
- Manage New Money Queue for ML to ensure timeliness and client satisfaction
- Test and Implement Automation processes for CFO Line of Business
- Established resource to peers and business partners for training and process consistency
- Achieved Exceeds Expectations/Meets Expectations in performance review
- Verified closing financial disclosure amounts against settlement and escrow agent figures to accurately reflect borrowers' bottom-line costs.
- Calculated, reviewed and corrected errors on interest, principal payments.
- Affirmed loan document accuracy to protect lenders from potential operational losses.
Commercial Loan Document Administrator
Bank of America
05.2021 - 08.2024
- Verify covenants data accuracy for timely document delivery and elimination of controllable revisions
- Develops highly specialized documentation to drive responsible growth for the Bank
- Proven ability to manage high priority assignments and meet deadlines
- Excellent knowledge of fulfillment product processes
- Develop and maintain close working relationships with Business Partners: Credit Officers; Relationship Managers; Commercial Credit Specialists; Quality Assurance Officers; Test of Control Officers
- Understanding of Business and Personal Financial Statements
- Set risk management policies to mitigate bank losses.
- Prepared contracts and related documentation according to strict standards.
- Utilized up-to-date information to make effective decisions governing bank operations.
Commercial Credit Specialist
Bank of America
12.2018 - 05.2021
- Verify covenants data accuracy for timely document delivery and elimination of controllable revisions.
- Exceed target goals and by fostering strong relationships with the client teams and underwriters.
- Make process recommendations to management to maintain Service Level Agreement (SLA) compliance.
- Advise and follow up on any issues concerning lending transactions and system-related concerns.
- Monitor loan policy exceptions and other available data to identify risks in the portfolio and gather the needed information.
- Prioritize, assign and review duties and work activities to meet productivity and quality goals
- Plan, organize and monitor optimal production
- Ensure consistent adherence to company policies, procedures and performance standards
Relationship Manager
Bank of America
11.2017 - 12.2018
- Reviewed and verified clients’ financial documents to develop a borrower’s profile and arrive at a credit recommendation
- Exhibited team-building skills in developing and maintaining effective working relationships with diverse people
- Interviewed prospective clients to understand their current needs and financial situation market bank products and services
- Capitalized on the bank’s comprehensive capabilities to meet business needs and seize corresponding sales opportunities
- Monitored and conducted a comparative analysis of credit transaction models to secure a position in the financial industry
- Resolved complaints professionally while accommodating high-volume requests for system maintenance to meet client needs
- Worked closely with the central business partners for credit requests, ensuring the availability of relevant financial information
Senior Lending Specialist
TD Bank
03.2015 - 11.2017
- Assisted the processing teams through complex decision-making while assessing alerts for potential bank risks
- Completed multiple tasks on assigned projects to assess risks and decide appropriately, utilizing advanced reasoning skills
- Tracked and reported weekly volumes of full-service credit analysis to management per established policies and procedures
- Ensured financial transactions and portfolio management data integrity while performing open loan collateral releases
- Equipped the lending staff with collateral documentation, discrepancy resolution, and underwriting skills through coaching
Mortgage Specialist
TD Bank
06.2013 - 04.2015
- Pre-screened and collated required documents of prospective homeowners to qualify them for funding and negotiation contracts
- Served as the initial contact point and addressed portfolio management issues on loan servicing including, payment research, taxes, insurance loan modifications, adjustable-rate loans, and lien perfection, ensuring the efficient resolution of customer issues
- Tracked and managed pipeline reports while updating files, databases, records, and other internal reports or documents
- Coordinated with sales personnel and underwriters to improve the regional sales potential while protecting its investment
Education
MBA - Finance
University of South Carolina
Columbia, SCBachelor of Science - Business Administration And Management
University of Phoenix
Skills
- Risk assessment
- Portfolio management
- Financial statements expertise
- Banking regulations
- Lending regulations
- Banking operations
- Loan documentation and policies
OTHER PROFESSIONAL EXPERIENCES
- Customer Relationship Manager, ALL FEDERAL CREDIT UNION- May 2012 – June 2013
- Sales Manager/Financial Analyst, NATIONAL ASSET ADVISORS- January 2010- March 2013
Timeline
Officer; Financial Booking Loan Administrator
Bank of America
08.2024 - Current
Commercial Loan Document Administrator
Bank of America
05.2021 - 08.2024
Commercial Credit Specialist
Bank of America
12.2018 - 05.2021
Relationship Manager
Bank of America
11.2017 - 12.2018
Senior Lending Specialist
TD Bank
03.2015 - 11.2017
Mortgage Specialist
TD Bank
06.2013 - 04.2015
MBA - Finance
University of South Carolina
Bachelor of Science - Business Administration And Management
University of Phoenix