Johana

Detail-oriented, bilingual financial services and compliance professional with 9+ years of experience in risk evaluation, consumer lending, credit analysis, regulatory compliance, account servicing, and financial documentation. Experienced in gathering and analyzing financial and customer information, identifying risk factors, reviewing transactions for accuracy and compliance, and managing workflows from initial application through approval and funding. Proven ability to work across multiple systems, coordinate with internal and external stakeholders, resolve account and documentation issues and provide responsive customer service.

Quick learner with strong analytical, organizational, and problem-solving skills.

Accounting Administrator / Finance Manager at Queen City Imports (2023-03 – Present)

• Manage financial and administrative workflows for vehicle transactions from customer application through financing, documentation, funding, and account completion.
• Gather, organize, review, and enter customer and transaction information across multiple financial and dealership systems to support financing decisions.
• Analyze credit applications, credit bureau information, income documentation, financial profiles, and transaction details to identify financing options and potential risk factors.
• Review financial agreements, contracts, disclosures, and supporting documentation for accuracy, completeness, and compliance before final processing.
• Coordinate with lenders, customers, vendors, and dealership personnel to obtain missing information, satisfy financing conditions, and resolve documentation or account issues.
• Verify booked transactions meet internal requirements and applicable local, state, and federal regulatory standards.
• Manage multiple transactions and service requests simultaneously while maintaining accuracy and processing deadlines.

Compliance Officer at RRD Financial (2020-01 – 2023-03)

• Conducted risk-based compliance monitoring, assessments, testing, and analysis to evaluate business activities against regulatory requirements and internal controls.
• Gathered, reviewed, and analyzed financial, operational, and compliance information to identify potential risks, discrepancies, and control deficiencies.
• Reviewed policies, procedures, account documentation, and internal controls for consistency with applicable banking, lending, and financial-services regulations.
• Documented findings and prepared reports communicating identified risks, exceptions, and recommended corrective actions to management.
• Coordinated with internal stakeholders to obtain information, resolve compliance issues, and ensure required corrective actions were completed.
• Developed and maintained dealership account relationships, providing responsive support on financial products, documentation, and account requirements.

Loan Officer at Ace Motor Acceptance Corp. (2017-03 – 2019-12)

• Reviewed and processed consumer automobile loan applications in accordance with underwriting guidelines and applicable lending regulations.
• Gathered, organized, and analyzed credit histories, income, debt obligations, financial profiles, and supporting documentation to evaluate creditworthiness and lending risk.
• Performed initial risk analysis and identified factors requiring additional review or escalation before final credit decisions.
• Entered and maintained accurate applicant, financial, and transaction information across lending and credit systems.
• Reviewed loan terms, agreements, disclosures, and supporting documentation for accuracy and completeness prior to approval and funding.
• Identified missing information, discrepancies, and exceptions and coordinated with dealership partners to resolve outstanding conditions.
• Managed multiple applications simultaneously while maintaining accuracy, responsiveness, and established processing timelines.

Bachelor of Industrial Design in Industrial Design – Pontificia Universidad Javeriana (2012 – 2017)