Carmen Atilano

Dedicated team player with a commitment to continuous learning and professional growth. Proven ability to foster stability and longevity in workplace environments. Experienced in mentoring, problem-solving, and executive administration, contributing to organizational success and tackling new challenges effectively.

Results-driven AVP Consumer Loan Operations Manager with expertise in issue resolution, regulatory compliance, and client relationship management. Proven ability to enhance operational efficiency through cross-departmental project management.

AVP Consumer Loan Operations Manager - Bank of Stockton - Stockton, CA

(2022-01)

• Managed cross-departmental projects to improve operational efficiencies and workflows.
• Evaluated employee performance through observation of job duties as well as feedback from customers and clients.
• Used strong issue resolution and communication skills to cultivate and strengthen lasting client relationships.
• Monitored loan processing workflows to ensure compliance with banking regulations.
• Supervised team members in daily loan operations and customer service tasks.
• Coordinated with underwriters to streamline loan approval processes effectively.
• Reviewed loan documentation for accuracy and completeness before approval.
• Generated monthly reports detailing key performance indicators associated with the department's overall productivity levels.

Branch Administrator - Ray Morgan Technology Co. /UBEO - Stockton, CA

(2013-01 - 2022-01)

• Reviewed and prepared judicial documentation, leases, maintenance agreements, calendars, credit applications, bill dollar, commissions for all account executives.
• Facilitated preparation for weekly sales and quarterly executive meetings, ensuring effective agenda management.
• Participated in administrative meetings, providing valuable input for streamlined processes.
• Coordinating underwriting efforts for all direct consumer and auto loans processed at branch.
• Engage in daily communication with internal and external customers, auto dealers on active and pending transactions, auto repossessions, sales, and liens.

IFP Junior Underwriter - Blue Shield of California - Lodi, CA

(2012-01 - 2013-01)

• Streamlined processing of HMO and PPO coverage applications for new and existing clients.
• Weekly organization/team strengthening strategies follow ups with direct sales and producers.

Branch Manager - Finance & Thrift - Stockton, CA

(2008-01 - 2009-01)

• Coordinating underwriting efforts for all direct consumer and auto loans processed at branch
• Engage in daily communication with internal and external customers, auto dealers on active and pending transactions, auto repossessions, sales, and liens.

Assistant Manager - Citi Financial - Stockton, CA

(2004-01 - 2008-01)

• Processed refinancing of first and second mortgages, maximizing borrower benefits.
• Conducted through equity loan appraisals to determine property value.
• Handled property closings, ensuring all required documents were in order.
• Executed notary duties to validate important paperwork accurately.
• Arranged check signings to facilitate swift financial transactions.
• Conducted through credit report analyses for informed lending decisions.
• Facilitated title submissions to support regulatory compliance.
• Executed comprehensive auto inspections to confirm vehicle reliability.
• Administered payment postings to ensure precise record-keeping.
• Processed daily deposits to optimize financial operations.

Associates Degree - Business/Project Management - Heald College (2012-01) Stockton, CA