1. DEBORAH H. STATHOS
3417 Greencliff Rd., Roanoke VA 24018 / debbiestathos@netscape.net / 540-819-5430
Summary of Qualifications
Loan Administration and Operations Professional who ensures performance, quality and data integrity
expectations are met. Able to manage multiple functions while maintaining a positive work force through
coaching, development, diversity, team building and recognition. Excellent communication and analytical
skills. Flexible and able to meet tight deadlines with focus on detail and gaining efficiencies.
 Knowledge of Banking Regulations  Strong project management skills
 Consumer Loan Operations  Demand Deposit/Savings Operations
 Mortgage Loan Operations  System testing and documentation
 Commercial Loan Operations  Documentation Retention Operations
 Monitor performance via productivity
tracking and performing quality audits
 Custodial Management for Federal National
Mortgage Association and Federal Home
Loan Mortgage Corporation
Professional Experience
WELLS FARGO, Roanoke, VA 2009-2014
Loan Administration Manager
Managed Home Equity loans/lines operations teams for both monetary and non-monetary transactions.
Including quality audits, system release testing, data integrity for productivity and met or exceeded
service level agreements, goals and standards. Processes included Automated Clearing House, 365
reject report, return items, online bill pay, payments/payoffs and foreclosure notice processing.
 Reduced the processing time for Automated Clearing House (ACH) set up, maintenance and
cancelation by streamlining procedures and creating macros
 Selected to be part of an ACH forms project which resulted in a dramatic reduction of the number
of hard copy ACH forms which lead to less confusion for branch personnel and improvement in
customer relations
 Chosen to be part of a key team which allowed customers to set up, change or cancel their
automatic payment verbally instead of having to manually fill out a form; making the process less
cumbersome for the customer
 Wrote new ACH processing procedures and met new NACHA guidelines for pre-note rules which
assisted in avoiding monetary penalties.
 Lead the team that processed 365 reject report for researching and posting rejected loan/line
payments and draws and made process improvements resulting in significant expense reduction
 Set up same day in house production of cashier’s checks for all of the Home Equity Groups and
Insurance teams, which enabled teams to expedite processing of daily work which avoided
penalties and negative customer impacts
 Implemented a team recognition program resulting in ranking in the top twenty percentile in
Gallup’s overall international Q12 survey for employee engagement
 Wrote and updated procedures which resulted in maintaining high productivity and quality scores
and assisted with the effective training of new hires
 Reduces cost and eliminated temporary hiring by rotating team members to other teams during
volume fluctuations
 Successfully transitioned Cash and Foreclosure Notice functions to Billings, MT ahead of schedule
with no disruption to customer service due to streamlined and improved training processes

2. WACHOVIA, Roanoke, VA 2001-2009
Retail Credit Operations Team Leader/Supervisor 2003 to 2009
Managed teams that processed payments, payoffs, CD redemptions/reinstatements, trustee payments,
Quickbills, wire transfers, quality audits, cashier’s checks, collateral release, General Ledger and system
transactions for direct and indirect Consumer Loans, while gaining efficiencies and instituting process
improvements. Liaison with payment vendor.
 Collaborated with technology expert and wrote a program for payment/payoff automation, which
gained significant efficiencies, resulting in a reduction of staffing requirements
 Wrote and updated procedures which resulted in maintaining high productivity and quality scores
and assisted with the effective training of new hires
 Implemented a dual control and tracking process for payments/payoffs from the mail room, which
resulted in reduced risk and improved controls
 Successfully consolidated the Trustee payment processes into our organization from the
Bankruptcy division which gained efficiencies and reduced staffing requirements
 Reduced cost and special handling requirements, along with staffing needs by reviewing and
changing vendor payment process
 Successfully transitioned the Quickbill payment process to the Call Center for a more customer
friendly process of one call does it all and reduced negative customer impacts.
Operations Team Leader for Lease Processing 2001-2003
Managed a team that paid personal property taxes, handled delinquent tax bills, contacted localities and
customers, paid and refunded property taxes, titles and liens for auto leasing.
 A large reduction in fees and penalties were recognized by reducing delinquent property tax bills
 Improved communication avenues with state department of motor vehicles by finding out their
preferred way of correspondence
FIRST UNION, Roanoke, VA 1976-2001
By virtue of Dominion Bank and First National Exchange Bank
Consumer Credit Operations Team Leader 1998-2001
Documentation Retention Team Leader 1996-1998
Consumer Loan Payoff Support Supervisor 1995-1996
Branch Support Supervisor 1993-1995
Systems Coordinator 1992-1993
Loan Operations Officer and Commercial Credit Administrator 1987-1992
Various Management positions 1976-1987