Brenda Reyes-Parga
Melissa,TX
Summary
Bilingual Financial Services Professional with over 10 years of expertise in Banking and Lending Operations. Skilled in Member Services, Loan Support, and Consumer Lending Risk Management. Proven track record of enhancing member experiences and driving team performance through effective collaboration and meticulous attention to detail.
Overview
13
13
years of professional experience
Work History
Consumer lending underwriter
Neighborhood Credit Union
Dallas, TX
08.2022 - 09.2025
- Assured compliance with underwriting guidelines through thorough loan application evaluations.
- Conducted detailed analysis of financial statements to support sound lending decisions.
- Maintained target delinquency and loss ratios while managing consumer loan portfolio.
- Mentored junior underwriters on effective risk assessment and decision-making techniques.
- Organized monthly employee engagement events to boost team morale and collaboration.
Loan Service Specialist
Neighborhood Credit Union
Dallas, TX
06.2019 - 07.2022
- Ensured regulatory compliance throughout loan account lifecycle from origination to closure.
- Maintained accurate loan records and updated account information in accordance with audit standards.
- Processed payments promptly, ensuring timely application to loan balances.
- Monitored insurance coverage to align with institutional policies for all loan accounts.
- Provided responsive, multi-channel member support, resolving inquiries efficiently and improving satisfaction and retention.
Member Service Representative
Neighborhood Credit Union
Dallas, TX
05.2017 - 06.2019
- Assisted members with account access and mobile banking inquiries.
- Processed and supported electronic payments, including Zelle and wire transfers.
- Provided debit and credit card support, including transaction disputes.
- Consistently maintained 90% QA performance standards.
Member Service Specialist
Credit Union of Texas
Dallas, TX
07.2015 - 06.2016
- Handled daily cash transactions
- Met monthly goals, educating members on financial products and services to enhance their understanding and satisfaction.
Licensed Agent/Office Manager
Baja Auto Insurance
Dallas, TX
11.2012 - 06.2015
- Sold home, personal and commercial auto Insurance
- Managed daily sales, cash handling and office productivity.
- Mentored junior agents in best practices and customer service techniques.
Skills
- Consumer Credit Risk Assessment & Underwriting
- Credit Policy Interpretation
- Employment & Income Verification, including personal tax returns
- Automated Underwriting Decision Review & Exception Handling
- Familiarity with AI-Driven Instant Credit Approval Platforms (eg Zest)
- Regulatory Compliance & Risk Assessment
- Systems: Jack Henry, MeridianLink, DocuSign, Softphone Software
- Microsoft Office (Word, Excel, Outlook)
- Analytical Thinking
- Risk Judgment & Decision Making
- Loan Documentation & Case Notes
- Clear Written Communication
Education
High School Diploma -
North Mesquite High School
Mesquite, TX01-2011
Timeline
Consumer lending underwriter
Neighborhood Credit Union
08.2022 - 09.2025
Loan Service Specialist
Neighborhood Credit Union
06.2019 - 07.2022
Member Service Representative
Neighborhood Credit Union
05.2017 - 06.2019
Member Service Specialist
Credit Union of Texas
07.2015 - 06.2016
Licensed Agent/Office Manager
Baja Auto Insurance
11.2012 - 06.2015
High School Diploma -
North Mesquite High School
Languages
English
Native or Bilingual
Spanish
Native or Bilingual