SEARCH

Surge Loan Specialist Resume Example

Resume Score: 80%

Love this resume?Build Your Own Now
SURGE LOAN SPECIALIST
Professional Summary

NMLS Licensed; Lean Six Sigma – Yellow Belt certified with Lean Six Sigma, Offering vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Bilingual Loan Specialist offering 8 years of expertise in loan application processing and payment negotiation. Excellent track record of explaining complex financial information in simplified terms to foster customer comprehension. Meticulous and personable with proficiency in CORE; and Encompass.

Skills
  • Computer Literate (Microsoft Word, Excel, Power point, Salesforce, Encompass, CORE, CRM)
  • Loan closing, loan processing, Mortgage Loans, Consumer Loans, Equity loans, Contracts, Commercial & Real Estate, Retail Banking, superb in cross selling bank products, financial statements, credit reports.
  • Strategic marketing skills, superb knowledge in micro and macro-economic trends, revenue planning, financial forecasting, and market trends.
  • Understanding of RESPA, SAFE ACT, HOEPA, TILA, EE, AA, and HMDA, Banking Regulations and Compliance.
  • Creative problem solving, Selling
  • Excellent customer service, Time management
  • Investment banking
  • Financial analysis aptitude
  • Bilingual Communication Skills (verbal, written, listen)
  • Communication Skills, Recruiting
  • Interpersonal skills, Research
  • Cash flow projections, Rapport
  • Financial statements
  • Balance sheet expertise
  • Commercial and credit loans
Work History
Surge Loan Specialist, 05/2020 to Current
Small Business Administration – Washington, DC
  • Recommended loan approvals and denials based on customer loan application reviews.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • Reviewed and edited loan agreements to promote efficiency and accuracy.
  • Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
  • Assisted senior-level credit officers with complex loan applications.
  • Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Home Mortgage Consultant, 03/2020 to Current
Wells Fargo Bank – Gables, FL
  • Perform a variety of tasks depending upon the division to which you are assigned including processing, origination, servicing, guaranty purchasing and/or liquidating; but the majority of the time (not less than 60%) is spent on loans which are considered to be more "complex" or problematic because of specific conditions or of their nature.
  • Review assigned loan file to become acquainted with the characteristic requirements, collateral, and terms of the loan.
  • Review and analyze requests from direct borrowers or requests from participant lenders in relation to servicing, liquidating or purchasing loans depending upon the division to which you are assigned.
  • Independently determine what data is needed in order to analyze/evaluate the request.
  • Analyze financial statements (using cash flow projections and ratio analysis) as necessary to detect trends in the financial condition of the business and to initiate appropriate corrective actions.
Senior Loan Officer – Sales Manager, 05/2018 to 02/2019
Academy Mortgage Corporation – Doral, FL
  • Assists the branch manager in all aspects of his or her position, while maintaining a minimum standard of production.
  • Manages a team of loan officers for the branch.
  • Assists the branch manager in hiring.
  • Recruiting, directing, developing, motivating, and coaching loan officers.
  • Promotes a sales culture within the branch by example.
  • Validates all information provided by customers when applying for a home loan.
  • Making sure all bank policies and procedures are being followed.
  • Analyze real estate appraisals, title reports, and real estate transactions.
  • Review detailed financials, credit reports to make sure the customer matches with the information provided.
  • Completes loan contracts by explaining provisions to applicant; obtaining signatures and notarizations; collecting fees.
  • Review and monitor loan files for collateral documentation requirements to determine proper completion, ensure timely recording and compliance with the Bank's Policies and procedures, and applicable bank regulations.
Senior Residential Lending Officer, 01/2017 to 11/2017
Mercantil Bank – Doral, FL
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval •Meet with applicants to obtain information for loan applications and to answer questions about the process.
  • Analyze applicant's financial status, credit, and property evaluations to determine feasibility of granting loans •Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Set credit policies, credit lines, procedures and standards in conjunction with senior managers, and provide special services such as investment banking for clients with more specialized needs.
  • Review and update credit and loan files •Review loan agreements to ensure that they are complete and accurate according to policy and procedures.
  • Compute payment schedules •Review and monitor loan files for collateral documentation requirements to determine proper completion, ensure timely recording and compliance with the Bank's Policies and procedures, and applicable bank regulations.
  • Submit applications to credit analysis for verification and recommendation, prepare reports to send to customers whose accounts are delinquent, and forward irreconcilable accounts for collector action.
  • Handle customer complaints and take appropriate action to resolve them.
  • Work with clients to identify their financial goals and to find ways of reaching those goals •Confer with underwriters to aid in resolving mortgage application problems.
Education
MBA: Finance & Accounting/International Business, Expected in 2021
Florida International University, Miami Dade College
Bachelor's Degree: Business Management/Finance, 08/2015
Miami Dade College - Miami, FL
Associates Degree: Criminology, 05/2013
Miami Dade College - Miami, FL
Build Your Own Now

DISCLAIMER

Resumes, and other information uploaded or provided by the user, are considered User Content governed by our Terms & Conditions. As such, it is not owned by us, and it is the user who retains ownership over such content.

Resume Overview

Companies Worked For:

  • Small Business Administration
  • Wells Fargo Bank
  • Academy Mortgage Corporation
  • Mercantil Bank

School Attended

  • Florida International University, Miami Dade College
  • Miami Dade College

Job Titles Held:

  • Surge Loan Specialist
  • Home Mortgage Consultant
  • Senior Loan Officer – Sales Manager
  • Senior Residential Lending Officer

Degrees

  • MBA : Finance & Accounting/International Business , Expected in 2021
    Bachelor's Degree : Business Management/Finance , 08/2015
    Associates Degree : Criminology , 05/2013

Similar Resumes

View All
Loan-Specialist-resume-sample

Loan Specialist

United States Small Business Administration

Lewisville, Texas