Ana Torres Luevano
Denver,CO
Summary
I am a hard-working professional with 5+ years of experience and a proven knowledge of Loan Coordination, credit analysis, and consumer credit. Dependable in building customer base and exceeding business goals. Aiming to leverage skills to successfully find a career where I can utilize my knowledge in good for others and given my best to grow along with the company.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Loan Processor
Canvas Credit Union
02.2022 - Current
- Improved loan processing efficiency by streamlining documentation and communication procedures.
- Reduced processing time for loan applications by implementing an organized filing system.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Utilized loan origination software to process and track loan applications.
- Provided quick turnaround times to maintain fast-past schedule.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Processed loan applications and monitored progress from start to finish.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Assisted underwriters in approving loans by verifying financial information and ensuring accurate documentation.
- Answer various of questions members have in regards to Auto Loans, Heloc's, Personal Loans, Credit Cards including all loan products Canvas Offers.
- Strong Problem Solving skillsmaintain consistency by meeting monthly loan goals
- Processing Funds into the appropriate GL'sbanking transactions such as Deposits, Withdraws, wire transfers,
- Collaborating with all major Dealerships in Colorado
Loan Coordinator
Guild Mortgage Company
03.2021 - 12.2021
- Reviewed and edited loan agreements to promote efficiency and accuracy
- Specializing in Colorado First time Home purchases
- Originated, reviewed, processed, closed and administered customer loan proposals
- Recommended loan approvals and denials based on customer loan application reviews
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act
- Creating 20 days reports by following closing Credit dates
- Monitored pipelines to track and log status of loans
- Following Income limits based on an applicants Income
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
- Proactively identified solutions for customers experiencing credit issues
- Building Contracts for all pre-approvals
- Completing Verifications of Employment (VOE'S) Including monitoring and following up on verifications within timely manner
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans
- Submitted loan applications to underwriter for verification and recommendations
- Developed and maintained relationships with local real estate agents
- Running CAIVRS Report in all pre-approvals.
Credir Care Specialist Loan Officer Assistant
American Financing Corporation
01.2020 - 05.2021
- Assisted senior-level credit officers with complex loan applications
- Maintained strict confidentiality of bank records and client information
- Explained very technical financial information to applicants in easy to understand language
- Developed prospects for new loans by conducting 20 cold calls weekly
- Analyzing Credit Reports
- Determinate Qualification for Home Mortgages
- Track performance of delinquency status, verification of payments to collection agencies
- Liaison between third party vendors and collection agencies
- Tracking Credit score progresses
- Complying with all federal and government guidelines
- Fully understanding all mortgage loan programs such as HA, VA, CHAFA, CONVENTIONAL, USDA, etc
- Adhere to established procedures and guidelines while providing quality customer service in order to meet and exceed department standards
- Insuring accurate and complete packaging of loan documentation and expediting the mortgage loan process
- Submitting files to underwriting and communicating with borrowers/realtor/builder to provide current status reports
- Thoroughly describe and document my work by notating in the systems correctly and efficiently
- Consulting with borrowers and providing credit plans
- Analyzing information regarding a borrower's income, assets, and debts and determining the proper loan program for the borrower
- Ordering all supportive and necessary documentation needed to process and close the loan
- Data Entry
- Meeting monthly closing goals.
Member Advocate
Credit Union Of Colorado
09.2018 - 01.2020
- Educated clients on various financial matters and provided professional recommendations on investment opportunities, products, and services based on each client's individual needs
- Provided information on accounts, insurance plans, and diverse funds
- Made decisions and recommendations about extending lines of credit
- Complied with internal controls and government regulations
- Minimized accounts receivable collections and reconciled customer billings and statements
- Maintained accurate and current customer account data with manual forms processing and digital information updates
- Determined root causes of issues and solved diverse problems to improve business operations and management
- Learned and maintained in-depth understanding of product information
- Providing knowledgeable responses to diverse questions
- Verifying all members' identities before providing any account details or information on the account
- Working with other 3rd party dealerships and providing payoffs
- Analyzing fraud.
Mobile Sales Associate
Best Buy Inc.
09.2017 - 09.2018
- Understanding the type of loan programs Guild Provides
- Assisting Sr
- Loan Officers with Scheduling and completing refinancing cold calls
- Assisted senior-level credit officers with complex loan applications
- Maintained strict confidentiality of bank records and client information
- Explained very technical financial information to applicants in easy to understand language
- Developed prospects for new loans by conducting 20 cold calls weekly
- Analyzing Credit Reports
- Determinate Qualification for Home Mortgages
- Track performance of delinquency status, verification of payments to collection agencies
- Liaison between third party vendors and collection agencies
- Tracking Credit score progresses
- Complying with all federal and government guidelines
- Fully understanding all mortgage loan programs such as HA, VA, CHAFA, CONVENTIONAL, USDA, etc
- Adhere to established procedures and guidelines while providing quality customer service in order to meet and exceed department standards
- Insuring accurate and complete packaging of loan documentation and expediting the mortgage loan process
- Submitting files to underwriting and communicating with borrowers/realtor/builder to provide current status reports
- Thoroughly describe and document my work by notating in the systems correctly and efficiently
- Consulting with borrowers and providing credit plans
- Analyzing information regarding a borrower's income, assets, and debts and determining the proper loan program for the borrower
- Ordering all supportive and necessary documentation needed to process and close the loan
- Data Entry
- Meeting monthly closing goals.
Customer Service Representative
Best Buy Inc.
06.2015 - 09.2017
- Consulting with customers to understand exactly what their needs were and providing tailored recommendations and solutions
- Contacting customers to follow up on previous purchases while suggesting new merchandise and informing about promotions and upcoming events
- Multi-tasking between job duties while maintaining an organized environment
- Assisted new hire training into daily duties
- Handling a greater amount of money
- Pulled daily sales reports and collated information for easy access to company staff
- Communicated with customers, team members, and superiors to reinforce proper procedures
- Greeting all customers and providing excellent customer service
- Received training and certification from Best Buy to represent the brand, explain technical functions of mobile devices, and guide product selection by customers
- Collaborate with other co-workers on handling customer concerns
- Making sure all returns and exchanges are qualified for return
- Receiving Credit Card payments
- Handling cash and balancing cash register at the end of each night
- Creating special orders on large purchases
- Multi-tasking on different operating systems
- Assisting geek squad when needed
- Making sure all closing duties are done every night
- Making sure every department receives their returned items at the end of the night
- Communicated with vendors regarding backorder availability, future inventory, and special orders
- Recommended products to customers, thoroughly explaining details
- Answering customer questions throughout the day in regards to product knowledge
- Receiving calls on a daily basis and answering Inventory, pricing, product availability, and sales questions.
Education
High School Diploma -
Push Academy of Higher Education
Denver, CO05.2015
Skills
- Fast learner
- Financial Experience
- Consultative techniques
- Multi-Tasking
- Good communication skills
- Remote services support
- Credit History Review
- Income Evaluation
- Credit File Updating
- Loan Processing Coordination
- Verbal and Written Communication
- Product Education
- Application Review
- Automated Underwriting System (AUS)
- Loan File Maintenance
- Employment Verification
- Title Research
- Appraisals
- Data Entry
Languages
Spanish
Full Professional
Certification
NMLS #: 2334769
References
References available upon request.
Timeline
Loan Processor
Canvas Credit Union
02.2022 - Current
Loan Coordinator
Guild Mortgage Company
03.2021 - 12.2021
Credir Care Specialist Loan Officer Assistant
American Financing Corporation
01.2020 - 05.2021
Member Advocate
Credit Union Of Colorado
09.2018 - 01.2020
Mobile Sales Associate
Best Buy Inc.
09.2017 - 09.2018
Customer Service Representative
Best Buy Inc.
06.2015 - 09.2017
High School Diploma -
Push Academy of Higher Education
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