Consumer Loan Officer - Sea West Coast Guard FCU
(2025-07)
- Reviewed consumer loan applications including personal loans, auto, and unsecured/secured loans from intake through funding.
- Collected, verified, and analyzed borrower documentation (income, credit reports, employment verification).
- Coordinate with Credit Administration, lending officers, and customers to resolve conditions and clear documentation issues.
- Prepared and disclosed loan documents accurately and within required timelines.
- Maintain detailed loan files and updated loan origination systems to ensure data accuracy.
- Communicated loan status updates to borrowers, third party vendors, and internal teams.
- Met strict deadlines while managing multiple files.
Loan Servicing Support - Community Bank of the Bay
(2022-08 - 2025-06)
- Coordinated and managed appraisal & environmental orders, including obtaining and evaluating vendor bids to ensure cost-effective and timely services.
- Review and prepare appraisal reports in compliance with all applicable regulations.
- Collaborated with Credit Administration, lending officers, and customers.
- Complete work assignments according to the priorities established by loan administration
- Monitored flood insurance requirements and administered force-place insurance policies accordance with bank and regulatory guidelines.
Condo Co-Op - Loan Depot
(2020-07 - 2022-06)
- Called HOA management companies and insurance agents to request documents for loan.
- Ensure Condo and Co-op projects are underwritten accurately in a timely manner.
- Communicated with Underwriters and Processors with possible discrepancies.
- Reviewed investors and agency guidelines for eligibility based upon loan information.
- Ensured Co-op meets Fannie Mae and Freddie Mac guidelines.
Loan Servicing/SBA - United Business Bank
(2019-09 - 2020-06)
- Ensured all loans are paid off accurately and perform daily reviews of all loan reports.
- Collaborated with loan officers on appraisal requests with management companies.
- Processed lending related payments, payoff statement, subordination, and lien releases.
Commercial Loan Analyst - Wells Fargo Bank
(2018-01 - 2019-06)
- Collected, reviewed, and analyzed data to prepare a detailed credit analysis that evaluates the terms and creditworthiness of commercial loan applications.
- Calculated debt-to-income ratios to evaluate an applicant's ability to repay the loan.
- Used financial statements, collateral appraisals, credit scores, and cash flow analysis, to assign risk ratings to loans and complete an analysis of the applicant's financial status.
- Prepared credit memos in a standardized format with key ratios and executive summary.
Flood Insurance Analyst - Bank of the West
(2016-06 - 2018-05)
- Responsible for quality control on all flood insurance policies, forms, and guidelines.
- Performed flood insurance operational control activities for commercial and residential.
- Interacted with Line of Business regarding borrower's home collaterals
- Analyzed appraisal report, insurance coverage, calculate requirements to ensure compliance with federal regulations, and research on new or previous flood hazard.
MLS Technical Support - Bradford Technologies
(2015-02 - 2016-06)
- Interacted with Appraisers (Customer) with new products and assist subscribers with all types of technical questions and issues with their MLS.
- Managed, prioritize and respond to customers issues, questions, and complaints.
- Diagnose and resolve subscriber hardware and software issues and questions.
- Provided excellent customer service and answered customer questions in a polite manner.
- Remote access to customers' computers to set up their MLS.
Loan Processor - Amax Lending
(2013-09 - 2015-01)
- Reviewed conditions from lenders and communicated with agents if needed.
- Integrated new files from Calyx Point Software to various lenders online data systems.
- Promoted a positive corporate image by providing excellent customer service and staying ahead of schedule when processing loans.
- Developed and gained knowledge on RESPA, GFE, HUD, HVCC and agency guidelines.
- Ordered Appraisal reports, credit, and title and ensure accuracy of broker and title.
