Blancaflor Ramirez
TYLER,TX
Overview
14
14
years of professional experience
Work History
Payments Specialist
Altra Federal Credit Union
01.2018 - Current
- Process domestic and international wire transfers by reviewing documentation, verifying account information and authorization, ensuring compliance with regulatory requirements, and investigating and resolving discrepancies within a time period.
- Advised and educated members on loan products and provide loan recommendations based on member needs.
- Originated, reviewed, processed, closed and administered member loan proposals via fax, phone, email, and online.
- Evaluated debt ratios, loan-to-value ratios, credit history, property valuations, and various other factors when originating and underwriting loans.
Teller Supervisor
Vantage West Credit Union
03.2017 - 09.2017
- Reviewed teller transaction reports for accuracy and potential discrepancies.
- Maintained strong knowledge of credit union products and services, procedures, and regulatory requirements to assist staff and members with questions.
- Performed monthly teller drawer audits to ensure accurate cash handling and proper procedures.
Administrative Assistant
PFS Auto Finance
08.2016 - 02.2017
- Verifying accuracy on auto applications including contract signatures, obtaining verification of employment, monthly income calculations on paystubs, proof of insurance requirements.
- Conducted customer interviews via telephone to verify application information and ensure accuracy.
- Provided borrowers with loan terms and payment information while maintaining and processing auto application loan files.
Member Relations Specialist
Altra Federal Credit Union
09.2012 - 11.2015
- Assisted Loan Officers with timely loan closings and funding activities while efficiently managing required documentation loan processing checklists.
- Identified member needs and recognized opportunities for internal product and services referrals.
- Obtained and prepared title documentation for ownership transfers on collateral loans.
- Assisted members with account balances, transaction history, loan rates, products and services.
Skills
- Wire Transfer Processing
- Risk Awareness and Internal Controls
- Credit Analysis & Underwriting
- Loan Processing & Administration
- Regulatory Compliance
- Member Account Management & Relationship Building
- Product and Service Sales
Timeline
Payments Specialist
Altra Federal Credit Union
01.2018 - Current
Teller Supervisor
Vantage West Credit Union
03.2017 - 09.2017
Administrative Assistant
PFS Auto Finance
08.2016 - 02.2017
Member Relations Specialist
Altra Federal Credit Union
09.2012 - 11.2015