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
08.2022 - 09.2025
- Assured compliance with underwriting guidelines through thorough loan application evaluations.
- Gathered and verified documentation to enhance accurate loan underwriting 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
06.2019 - 07.2022
- Ensured regulatory compliance throughout loan account lifecycle from origination to closure.
- Maintained precise loan records and updated account information as necessary.
- Processed payments promptly, ensuring timely application to loan balances.
- Monitored insurance coverage to align with institutional policies for all loan accounts.
- Handled member inquiries via chat, phone, and email, resolving issues efficiently.
- Enhanced member satisfaction and retention through exceptional customer service delivery.
Member Service Representative
Neighborhood Credit Union
05.2017 - 06.2019
- Assisted members with account access and mobile banking inquiries.
- Provided debit and credit card support, including transaction disputes.
- Promoted financial products aligned with member needs.
Member Service Specialist
Credit Union of Texas
07.2016 - 06.2017
- Handled cash transactions and promoted financial products, education and helping members achieve financial goals.
Licensed Agent/Office Manager
Baja Auto Insurance
11.2012 - 06.2015
- Sold home, personal and commercial auto Insurance
- Trained new staff
- Managed daily sales, cash handling and office productivity.
Skills
- Consumer Credit Risk Assessment & Underwriting
- Credit Policy Interpretation
- Employment & Income Verification, including personal tax returns
- Automated Underwriting Decision Review & Exception Handling
- 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
- Documentation & Case Notes
- Clear Written Communication
Education
High School Diploma -
North Mesquite High School
Mesquite, TX 09.2007 - 05.2011
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
07.2016 - 06.2017
Licensed Agent/Office Manager
Baja Auto Insurance
11.2012 - 06.2015
High School Diploma -
North Mesquite High School
09.2007 - 05.2011
Languages
English
Native or Bilingual
Spanish
Native or Bilingual