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Mary Kingston

@marykingston

Senior Construction Loan Administrator at HSBC Technology & Services USA, managing complex CRE and construction loan portfolios and transaction execution.

United States
Message

At HSBC Technology & Services USA, I manage complex CRE, construction, syndicated, participated, and loan-on-loan facilities. I coordinate transaction execution across fundings, repayments, modifications, repricing, and rollovers.

I lead construction draw administration and portfolio controls, including budget and escrow oversight, inspection and title review, and disbursement controls. I also validate loan setup data, investigate exceptions, and work across borrowers and internal partners to resolve issues.

Earlier, at SBA44 Business Capital / Berkshire Bank and Citizens Bank N.A., I administered construction loans, reviewed draw requirements, and maintained accurate budgets and records. Across my roles, I’ve trained and coached colleagues on loan structures, servicing processes, and fund management.

Experience

Work history, roles, and key accomplishments

HU
Current

Senior Construction Loan Administrator

Jul 2022 - Present (4 years 3 months)

Manage highly structured CRE, construction, syndicated, participated and loan-on-loan facilities involving multiple borrowers, properties, tranches, funding sources, participation structures and complex funding waterfalls. Drive transaction execution across fundings, advances, repayments, payoffs, modifications, maturity extensions, commitment reductions, rate/payment changes, repricing and rollov

BB

AVP, Construction Loan Administrator - SBA

44 Business Capital / Berkshire Bank

Jan 2021 - Jul 2022 (1 year 6 months)

Managed SBA CRE construction loans from pre-closing through completion, partnering with underwriting, credit, borrowers and third parties on documentation, modifications, extensions, compliance and servicing requirements. Reviewed and approved construction draws, AIA contracts/payment applications, inspections, title bringdowns, lien waivers, change orders and budget reallocations.

Citizens Bank N.A. logoCN

Construction Loan Administrator

Jul 2017 - Jan 2021 (3 years 6 months)

Managed approximately 40-50 active CRE construction loans, including large direct/bilateral, syndicated and participated facilities with commitments exceeding $100 million. Reviewed loan documents, AIA schedules, engineer/inspection reports, invoices, title updates, change orders, covenants, budgets and funding conditions.

WC

Construction Loan Administrator

Wachovia Corporation

Jun 2005 - Mar 2006 (9 months)

Independently administered CRE construction loans, including syndicated and participated facilities, reviewing loan documents and translating terms into funding and servicing requirements. Analyzed General Contractor AIA applications/certificates for payment, budgets, inspections and title updates.

Education

Degrees, certifications, and relevant coursework

UC

Universitat de Catalunya

MBA, Finance

Pursued an MBA in Finance at Universitat de Catalunya.

Nottingham Business School, Nottingham Trent University logoNU

Nottingham Business School, Nottingham Trent University

MBA, Finance

Pursued an MBA in Finance at Nottingham Business School, Nottingham Trent University.

UG

Universidad Católica Santiago de Guayaquil

Bachelor's, Economics

Earned a Bachelor's degree in Economics from Universidad Católica Santiago de Guayaquil.

Tech stack

Software and tools used professionally

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