Aldo A. Luna
Finance
Dalton,GA
Summary
Mortgage Loan Officer with 10 years of experience in consumer finance. Extensive real estate knowledge and success in client education. Adept at mathematical accuracy and following financial regulations. Seeking to transition into an analytical role to utilize skill set in analysis.
Overview
15
15
years of professional experience
6
6
years of post-secondary education
2
2
Certifications
1
1
Language
Work History
Mortgage Loan Originator
Builtwell Bank
Dalton, GA
10.2019 - Current
- Responsible for originating secondary market loans for clients primarily in Whitfield, Gordon, and Murray
- County
- Adhere to underwriting criteria set by Fannie Mae and Freddie Mac, HUD
- Average loan volume of $10MM per year
- Display a high degree of integrity, trustworthiness, and professionalism at all times
- Complete initial analysis of financial documents, credit report and DTI ratios
- Communicate effectively with all stakeholders, including customers, agents, title company, builder, senior management and investors
- Originate construction loans with bank portfolio products, monitor maturing loans, negotiate terms, price loans, perform review of construction loans by ensuring costs are within budget of loan amount
- Manage and monitor In house portfolio loan of $5MM.
Commercial Credit Analyst
Builtwell Bank
Dalton, GA
01.2018 - 10.2019
- Review and underwrite new credit request from business and commercial clients
- Request received were ranging from $50k up to $8MM
- Conduct financial analysis by utilizing SageWorks, Moody's analytics software as well as excel spreadsheets
- Create credit memos and presented during loan committee
- As needed basis, created PowerPoint presentations and financial projections for startups and CRE investment projects
- Perform annual loan review, BOARD reports, past due reports, maturing loans review and quarterly credit risk review
- Utilize Microsoft Teams to collaborate with colleagues
- Monitor trends via S&P Global, RMA and Moody’s industry publications.
- Developed credit models to assist in the credit decisioning process.
Credit Analyst
Card Assets
Kennesaw, GA
01.2016 - 12.2017
- Analyze client’s credit worthiness for consumer and business credit cards by evaluating risk through qualitative analyses by researching, compiling, and analyzing various pieces of information
- Unsecured credit card approval authority of $20,000
- Build cash flow models to evaluate applicant’s repayment and financial capacity
- Analyze and review financial statements, bank statements and tax returns
- Conduct presentations of Service Level Agreement and KPI results during weekly Gemba Walks to senior management and personnel
- Inform of any roadblocks and propose necessary solutions to improve efficiency
- Communicate business requirements to internal employees by constructing easy-to-understand data and process models
- Provide input into developing and modifying systems to meet client needs and develop business testing to support these modifications via SharePoint
- Liaise between business and technical personnel to ensure a mutual understanding of processes and applications. Collaborate with Fraud Analyst to mitigate fraudulent application approvals by utilizing ThreatMetrix, LexisNexis, CLEAR Thomson Reuters
- Utilize e-OSCAR to handle credit disputes and corrections under FCRA.
Financial Service Representative III
SUNTRUST BANK
Dalton, GA
03.2012 - 12.2015
- Provide financial solutions that meet client's needs by analyzing each situation and providing consultative solutions
- Collaborate with underwriters and credit analysts to determine loan approval resulting in credit recommendations for consumer and business loans
- Input consumer loans and close loans when requirements are met and verified
- Appointed by management as vault custodian and over operations due to having $0 in cash outage year-to-date and outstanding attention to detail
- Adhere to federal banking regulations and local laws by staying up to date on compliance and risk measures.
Retail Sales Consultant
Verizon
Dalton, GA
01.2008 - 05.2011
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Provided accurate information about promotions, customer programs, and products, helping drive high customer retention.
- Trained and supervised new employees to use selling strategies and apply best practices.
- Created sales forecasting models, compared KPI’s, and utilized CRM tools to increase sales.
- Backup Assistant Sales Operations Manager, assisted in monthly inventory counts, order cycles, mitigated shrink. Appointed as SME in data products.
Education
Master of Business Administration - Finance
University of Louisiana at Lafayette
01.2020 - 12.2022
Online Certification - Analytic Techniques For Business
Duke University
Durham, NC 02.2023 - Current
Bachelor of Business Administration - International Business and Finance, Entrepreneurship
Kennesaw State University
Kennesaw, GA 01.2012 - 12.2014
Skills
Customer Service (10 years)undefined
Certification
ABA Certificate in Business and Commercial Lending
Timeline
Online Certification - Analytic Techniques For Business
Duke University
02.2023 - Current
Master of Business Administration - Finance
University of Louisiana at Lafayette
01.2020 - 12.2022
Mortgage Loan Originator
Builtwell Bank
10.2019 - Current
Commercial Credit Analyst
Builtwell Bank
01.2018 - 10.2019
Credit Analyst
Card Assets
01.2016 - 12.2017
Financial Service Representative III
SUNTRUST BANK
03.2012 - 12.2015
Bachelor of Business Administration - International Business and Finance, Entrepreneurship
Kennesaw State University
01.2012 - 12.2014
Retail Sales Consultant
Verizon
01.2008 - 05.2011
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