Elvia Bara

I’m a senior loan administration executive specializing in commercial and consumer lending, credit risk analysis, and SBA loan programs. I’ve built and led commercial loan administration functions focused on underwriting efficiency, stronger documentation quality, and consistent regulatory compliance.

In my AVP roles, I managed day-to-day loan administration for high-volume lending operations, overseeing closing, quality assurance, servicing, and construction lending. I analyze credit reports, credit scores, financial statements, tax returns, projections, collateral, and cash flow to evaluate risk and ensure each client aligns with established loan policy guidelines.

I’m especially trusted for complex loan structuring, collateral analysis, and portfolio risk management. I ensure compliance across SBA 504, SBA 7a SOP, and 7a CA packaging requirements, eligibility rules, franchise qualifications, and SBA reporting—while producing detailed financial and operational reporting for internal and external auditors with full transparency and no material findings.

Beyond lending, I partner with legal leadership and use advanced real estate and construction law training to improve operational efficiency and reduce legal expenditures. I implement scalable policy and operational frameworks, lead talent management and training, and serve as a primary system administrator for LaserPro and Sageworks to streamline origination through permanent financing.