NILZA I SILVESTRI

Oversee daily bank operations and lead teams across loan servicing, collections, commercial, consumer, and credit departments to service a $1B asset portfolio; drove current core conversion, vendor and product management, and ensured FDIC/regulatory compliance.

Managed credit, loan originations and servicing operations including collections, loss mitigation, foreclosures, and government-guaranteed loans; prepared regulatory exam materials and produced monthly portfolio reports for the Board.

Supported the President by updating procedures, creating legacy portfolio policies, and maintaining investor and regulator relationships; kept assigned portfolio out of delinquency and was promoted to VP within five months.

Opened member accounts, handled branch openings/closings and ATM balancing, supported call center and loan application processing, and consistently met CU sales goals while assisting bilingual members.

Managed servicing department for commercial, residential, SBA/USDA and construction loans, performed QC audits, delinquency management, and coordinated legal actions and month-end GL certifications.

Directed lending and credit operations across a multi-state footprint, developing credit programs, underwriting loans, managing collections and secondary market sales, and ensuring regulatory compliance.

Originated, processed and underwrote residential and commercial loans including DU/Fannie Mae and government-guaranteed products; managed closings, escrow disbursements and credit memos for loan committees.

Managed commercial AR/AP, invoicing, collections, bank reconciliations, UCC filings, and prepared financial projections for government and commercial accounts.

Completed coursework in Child Psychology at Holyoke Community College.

Completed studies in Business Administration at the Institute of Multiple Technology in Mayagüez.

Attained a High School Diploma from Luis Muñiz Marin High School in Cabo Rojo, Puerto Rico.