Highly accomplished, Bi-lingual Banking Professional able to merge solid interpersonal and communication skills to forge, nurture, and maintain strong business and customer relationships. Driven professional with strong analytical skills. Talents toward supporting a dynamic organization in maximizing operational and financial performance. Enthusiastically collaborates with internal colleagues to achieve established goals and expectations. Excellent organizational skills and attention to detail. Effectively communicates and motivates team members, fostering an atmosphere of teamwork and collaboration with an emphasis on goal attainment. Specializes in the ability to complete assignments in a timely manner with minimal direction independently or within team function.
Complex problem solving
Strong banking ethics
Bilingual in Spanish
Financial analysis aptitude
Deep knowledge of bankruptcy processes
Excellent work ethic
Experian Transact SM
Risk management assessments
Superior organization skills
Kovat\'s Appraisal Apprenticeship Course, Licensed State of New Jersey Notary.
Reviews personal tax returns, bank statements and pay stubs to ensure debt to income and payment to income ratios are met according to company guidelines.
Analyzes credit data to determine the degree of risk involved in extension credit with the use of Lexus Nexus and Dun and Bradstreet.
Makes decisions to approve or deny the extension of credit within set credit authority established by senior management and state/federal laws.
Ensures compliance with applicable policies and procedures.
Ensures branch office cooperation with other departments to maximize efficiency within the company.
Provides hands on training in policies and procedures to Junior Credit Analysts and new hires.
Conducts in person visits with Dealer Relationship Manager to strengthen business relationships.
Performs outbound telemarketing calls to the dealer customers.
Establishes and tracks monthly average of 100% sales goals for assigned dealers and territory.
Consistently one of the top five revenue producers in the Branch.
Develops sufficient dealer relationships that ensure volume objectives and credit quality.
Recommended loan approvals and denials based on customer loan application reviews.
Reviewed and edited loan agreements to ensure accuracy.
Complied with regulatory requirements, including the Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
01/2008 to 01/2011
LICENSED PERSONAL BANKER IIWachovia Bank/Wells Fargo Bank – South Hackensack NJ
Exercised outstanding interpersonal and analytical talents to effectively review credit reports, personal financial statements, personal and business federal tax returns, income and expense reports, rent rolls and bank statements for current and prospective commercial and residential property borrowers and borrowing entities to accurately determine credit worthiness and credit limits.
Reviewed personal income and business financial statements to qualify customers for personal and commercial lending products.
Aided Underwriters in the collection of all required documents through the loan processing and closing.
Leveraged in-depth knowledge of insurance, annuities, and investment products to secure new accounts and consistently improve branch profitability and revenue growth.
Mentors and coached Personal Bankers, Customer Services Representatives and Tellers on the selling of banking products and complying with Bank policies and procedures.
Merged proven leadership talents with strong communication skills to provide resolutions to complex customer concerns without loss of client goodwill or further escalation.
Directed the daily administration of client accounts and oversee accurate and compliant setup, processing, and maintenance, ensuring the highest levels of customer satisfaction.
Responsible for delivering and selling a full range of Banking products to individuals, businesses and municipalities.
01/2003 to 01/2008
SeniorvAccount ExecutiveJP Morgan Chase – Woodcliff Lake NJ
Specialized in Mixed-Use property loans originations.
Analyzed profit and loss statements, business and personal tax returns to determine borrower\'s ability to make loan payments.
Demonstrated resourcefulness in all aspects of loan origination overseeing loan processing, loan funding, underwriting, credit analysis, debt analysis, and loan closing.
Performed extensive analysis of loan documentation to determine outstanding exceptions or closing conditions, ensuring compliance with mortgage, lending and banking laws, regulations, and protocols.
Seamlessly managed the entire loan processing function with responsibility for monitoring the flow of loans from pre-verification to submission to approval, ensuring the timely and effective close out of applications.
Consistently closed sales of real estate loans, generating increased levels of referred and repeat business through strong relationship management and customer service.
Successfully mentored and coached 16 high-performance Account Executives through strategic human resource management, team building, and leadership practices.
Built strategic alliances with 300+ Mortgage Brokers and Loan Officers nationally.
Skillfully produced $3M to $6M in monthly originations; ranked among top 5% producers nationally.
Maintained current loan and pricing information on the online banking website.
Submitted loan applications to the underwriter for verification and recommendations.
SENIOR VALUE COORDINATORSuperior Federal Bank
Bachelor of Science: Psychology and Business Administration William Paterson University - Wayne NJ Psychology and Business Administration