Compliance Review Specialist

• Feb 2020 - Present

Loan Specialist

• 2017 - Feb 2020

Prepare and send loan closing documents to members for Credit Cards, Personal Loans, Lines of Credit and Auto Loans. Review signed documents ensuring all documents received are complete and accurate. Disburse funds according to the loan requirements. Review received Indirect Auto Loan documents to ensure completeness and accuracy. Ensure loan officer’s stipulations have been met before funding. Responsible for completion of auditing funded loans to ensure accurate and complaint loan processing. Pull data from systems to create Ad Hoc reports for Management. Assist Credit Manager in writing and improving Lending processes and procedures. Complete Lien Perfection in Auto Loans by getting all necessary documentation and visiting the Bexar County Tax Assessor office. Release vehicle titles to members or to other financial institution once the loan is paid off. Perform sensitive maintenance on member’s accounts. Assist with special projects assigned to the Lending Department. Provide excellent internal customer service while working with branches and other departments. Show less

Supervisor / Administrative Officer

• 2008 - 2015

Assist the Department Manager in special project, such as: portfolio acquisitions, development of new services, software and system’s conversion, among others. Expense management for the department. Sarbanes Oxley department controls review and monitoring. Development, implementation and update of standard operating procedures. Assure compliance in the use of credit guidelines and federal regulations for credit decision by credit officers, including personal loans, credit cards, credit lines and auto loans. Home Mortgage Disclosure Act (HMDA) compliance’s review in loan applications. Assure completeness and accuracy on information reported to Consumer Financial Protection Bureau (CFPB). Audit of documents and disclosures from disbursed personal loans and credit cards to assure compliance with federal and state regulations. Design and offer Credit Area and HMDA Regulation Workshops to branch employees and others bank departments. Perform Consumer Credit Lines daily maintenance, including requirements related to Servicemember’s Civil Relief Act (SCRA). Collateral analysis for extensions requested on Home Equity Lines of Credit (HELOC). Recruitment, supervision, training, coaching and performance evaluations for exempt and non-exempt employees. Show less

Individual Lending Officer

• 2004 - 2008

Analyze and make decision on individual credit applications for unsecured and secured personal loans, credit cards and credit lines. Analyze revenue sources such as: financial statements, tax returns and payroll checks stubs. Orientate customers according to their applications and the bank credit decision.

Officer

• 2003 - 2004

Deposit Account opening. New members recruitment. Complete and pre-qualify personal loans credit applications. Other clerical jobs . Deposit Account opening. New members recruitment. Complete and pre-qualify personal loans credit applications. Other clerical jobs .