Angelia Nicole Vasquez
New Braunfels,Tx
Summary
Seasoned Sr. Indirect and Consumer Underwriter with a robust background at PenFed Credit Union, adept in credit scoring and enhancing customer satisfaction. Proven track record in loan underwriting and sales support, significantly contributing to business growth. Expert in collateral evaluation and policy interpretation, ensuring compliance and risk mitigation.
Overview
26
26
years of professional experience
Work History
Sr. Indirect and Consumer Underwriter
PenFed Credit Union
San Antonio, Tx
02.2021 - Current
- Provide phone assistance to members and nonmembers to answer general lending questions
- Analyze the applicant(s) financial status and risk while utilizing the tools available (credit reports formulas, collateral value looks up, etc.) to conduct a thorough review for all loan requests
- Decision loans within lending authority or present and discuss with an individual with proper authority for a loan decision
- Provide assistance to loan processors in processing funding and ensuring proper documentation
- Ensure all loan paperwork is properly completed to protect the credit processing approval
- Deliver all loan packages and supporting documents to the appropriate department for records retention and/or lien perfection in a timely manner
- Ensure the protection of the union’s security interest in matters of adequate documentation and adherence to policies and the various laws and regulations applicable
- Reviewing and underwriting loans and title work that needs to be done
- Developed comprehensive company valuations to inform investment decisions.
- Evaluated financial and operational performance of companies facing financial difficulties to determine possible remedies.
- Verified employment history and references provided by potential borrowers.
- Assessed applicants' debt-to-income ratios in order to approve or deny loans.
Sr. Indirect/Consumer Underwriter
Coastlife CU
Corpus Christi, TX
09.2016 - 12.2020
- Bring in new business and meetings with local dealers and setting up appt
- Going out and talking to the dealerships about our products and services and making sure that everything is going smoothly and that there are no funding issues
- On site underwriter at dealer events and RV events
- Determine the member’s needs, tailoring credit union loan products and services to meet their needs
- Cross sells all services while adhering to credit union policy and procedures
- Provide phone assistance to members and nonmembers to answer general lending questions
- Analyze the applicant(s) financial status and risk while utilizing the tools available (credit reports formulas, collateral value looks up, etc.) to conduct a thorough review for all loan requests
- Decision loans within lending authority or present and discuss with an individual with proper authority for a loan decision
- Communicate with members on loan decisions
- Provide assistance to Indirect Assistants in processing approval, denials, or withdrawals in a timely manner, ensuring proper documentation
- Ensure all loan paperwork is properly completed to protect the credit processing approval, denials, or withdrawals in a timely manner, ensuring proper documentation is complete for disbursement of loan
- Deliver all loan packages and supporting documents to the appropriate department for records retention and/or lien perfection in a timely manner
- Ensure the protection of the union’s security interest in matters
Sr. Indirect/ Consumer Underwriter
Navy Army CCU
Corpus Christi, TX
12.2007 - 09.2016
- Provide consistent, accurate and quality consumer loan decisions in accordance with standards and state and federal regulations
- Collaborate with consumer loan originators to cross sell Credit Union products and services
- Evaluate loan applications and supporting documentation for accuracy and completeness of applicant information, and to ensure consistent risk factor analysis
- Perform appropriate analysis utilizing the tools available (credit report, formulas, collateral value look up, etc.) to determine credit worthiness within established lending authority guidelines
- Document decision in the Credit Union loan origination software and assist the consumer loan originators with communicating the decision to the applicant
- Provide guidance to consumer loan originators to actively promote and cross sell credit union products and services
- Verify loan is funded accurately and consistent with underwriting final approval conditions
- Assist with loan underwriting, process, and procedure audits as requested by CLO/VP
- Underwriting 17 branches and average volume of 3000 to 6000 plus loans a month
- Make consumer loans, following current policies concerning loans as set by the Board of Directors
- To provide overall loan services for members
- Determine the member’s needs, tailoring credit union loan products and services to meet their needs
- Cross sells all services while adhering to credit union policy and procedures
- Provide phone assistance to members and nonmembers to answer general lending questions
- Analyze the applicant(s) financial status and risk while utilizing the tools available (credit report, formulas, collateral value look up, etc.) to conduct a thorough review for all loan requests
- Decision loans within lending authority or present and discuss with an individual with proper authority for a loan decision
- Communicate with members on loan decisions
- Provide assistance to Indirect Assistants in processing approval, denials, or withdrawals in a timely manner, ensuring proper documentation is complete for disbursement of loan
- Ensure all loan paperwork is properly completed to protect the credit union’s security interest
Military Banking Call Center Team Lead
Bank of America Military Banking
Corpus Christi, TX
10.2004 - 12.2007
- Coach employees to hit their monthly sales goals and branch goals with cross sells
- Managed team of customer service representatives to ensure high quality of service and meet performance targets.
- Created training materials and facilitated new hire onboarding program.
- Developed and monitored key performance indicators to assess team productivity.
- Retained top talent by authoring and conducting team performance evaluations for corrective action planning.
- Balance vault and atm, and safe deposit boxes
- When I took a new position as Call Center Team Lead had a team of 25
- Had to go over their quality control to make sure they were following bank policies and procedures over the phone
- Made their schedules and over yearly reviews
- Coach employees in the area where they were weak and help with any questions they had on products and procedures
- Made sure all employees were cross-trained and had a good understanding of their job and goals
- Listen in on calls to make sure customers were getting the help they needed on their accounts and loan’s needs
- Handled any customer complaints and issues they may have or help with their needs
Assistant Branch Manager
Bank of America Military Banking
Corpus Christi, TX
02.1999 - 10.2004
- Analyzed financial data and prepared reports on the branch's performance for senior management.
- Recommended new financial and accounting software packages. replacing various non-integrated offerings.
- Managed daily cash flow activities including counting cash drawers at opening and closing times.
- Developed strategies for increasing customer satisfaction levels and improving service quality.
- Review all teller transactions, make schedules for the tellers
- Open and closed branch and turn in reports and did monthly and quarterly audits on teller drawers
Education
GED -
Calallen High School
Basics
Del Mar Community College
Mortgage Loan Originator
Skills
- Credit scoring
- Collateral evaluation
- Loan underwriting
- Data interpretation
- Sales support
- Debt-to-income analysis
- Loss mitigation
- Credit analysis
- Financial forecasting
- Policy interpretation
- Industry trends
- Loan pricing
- Income verification
- Employment verification
- Documentation review
- Consumer lending
- Credit risk evaluation
- Loan structuring
- Underwriting software proficiency
Timeline
Sr. Indirect and Consumer Underwriter
PenFed Credit Union
02.2021 - Current
Sr. Indirect/Consumer Underwriter
Coastlife CU
09.2016 - 12.2020
Sr. Indirect/ Consumer Underwriter
Navy Army CCU
12.2007 - 09.2016
Military Banking Call Center Team Lead
Bank of America Military Banking
10.2004 - 12.2007
Assistant Branch Manager
Bank of America Military Banking
02.1999 - 10.2004
GED -
Calallen High School
Basics
Del Mar Community College