Carolina Vargas
Lynwood,CA
Summary
Experienced professional seeking a dynamic company to further develop skills and make a substantial impact on success. Passionate about leveraging expertise for positive outcomes and contributing to a thriving work environment. Dedicated to continuous improvement, adapting to new challenges for professional growth and exceeding expectations. Committed to being an integral part of a team that values innovation, collaboration, and excellence.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Loan Servicing Representative III
Financial Partners Credit Union
04.2025 - 05.2025
- Processing payments through Remit check/posting exceptions
- Processing Salesforce request
- Posting, MoneyGram, Propay exceptions, Digital Web and Alk Exceptions
- Managed customer inquiries related to loan accounts, providing timely and accurate information.
- Responded promptly to inquiries from both internal teams and external clients regarding loan servicing matters, ensuring resolutions were reached in a timely manner.
Credit Resolution Support Specialist
Water and Power Community Credit Union
06.2019 - 04.2025
- Monitor and maintain sub-ledgers, reconcile, and research accounts to clear variances
- Responsible recommendation of charge off for consumers loans and upstart loans
- Processing Experian Disputes, DR Notices, and AUD's via site
- Processing manual updates for BK's correct reporting
- Processing 10-day Payoff, Helocs, Mortgages via symitar
- Processed Vendors invoices and Posted proceed sales and Repos and auction fees
- Processed month end charged offs
- Review Delinquent accounts 150 to 180 days past due and write-off small balance
- Assist branches provided overrides
- Assist with daily department queues and synapsis request
- Assist Manager with any other assigned duties as needed
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
Re Servicing
Logix Credit Union
04.2019 - 06.2019
- Perform Legal file audit utilizing checklist for Helocs, Heloans, Purchase, Refinance
- Uploads deeds and Final Titles to Prime Alliance
- Process incoming mail
- Follows company safety and risk management policies
- Participate in regular meetings
- May perform other duties and responsibilities as assigned
Operation Service Representative
Unify Financial Credit Union
12.2015 - 04.2019
- Uploads Indirect Lending loans to Credit Union Data Base/Synergy
- Responsible for account research for Disputes payments
- Responsible loan payoff for consumer loans via Eysis
- Responds to verification of Deposits for housing authorities and Social Security administration
- Assist with department queue through outlook and synapsis
- Assist Levies/Garnishments
- Analyze documents for member for account update changes
- Responsible for written inquiries, researching problems, providing services
- Operated in dynamic, high-volume environments to provide skilled assistance to more than 80 customers each day.
Customer Service Loan Representative
OPORTUN
10.2015 - 12.2015
- Processed loan payments
- Loan processor
- Council customers while meeting or exceeding corporate requirements for sales objectives by identifying customer needs and recommendation of products and services.
- Responsible loan audits
- Perform any additional duties/activities assigned by management
- Cash balancing register
- Evaluated loan applications for compliance with company policies and regulatory requirements.
- Processed loan documentation efficiently, ensuring accuracy and adherence to timelines.
Customer Service Baker Assistant
El Super
10.2013 - 12.2015
- Assisted Supervisor responsibilities with bakery goods
- Participate in regular safety meetings, safety training and hazard assessments.
- Customers services /filling customer’s orders for cakes special orders
- Assisted with inventory
- Answering customer inquiries, handling complaints
- Assist baker light baking
- Responsible for rotation of baking goods
Loss Mitigation Specialist
First Federal Bank of California
12.2000 - 02.2009
- Managed approximately 30 incoming calls, emails and faxes per day from customers
- Processed Mortgage loans for Elite Clients and Executives
- Ensure loans comply with bank policies, meets matrix
- Processed Mail
- Administrator’s duties
- Processed Loss Mitigation loans/and 2nd Loans
- Verification of Employment/Loan Audits
- Perform any additional duties assigned by management
- Remained updated with latest information related to mortgage products and services being offered.
Credit Card Specialist
Hughes Aircraft Employee Credit Union
01.1998 - 12.2000
- Monitored credit card history to prevent fraud
- Credit Disputes investigation research
- New Accounts and Credit Balance
- Cash Advances and Processing Mortgage/Consumer loan payments
- Branch Balancing
- Cross selling appropriate bank products and services
- Assist with other assigned duties
Teller
Hawthorne Savings and Loans
12.1995 - 01.1998
- Cash Balancing
- Processed Loan payments
- Promote bank products and services
- Responsible to interact closely with client to build good customer relations by earning their trust to meet the branch goals and customers’ needs
- Responsible with branch balancing
- Assist supervisor special projects such as branch audits
- Updates on account information
- Responsible for dormant accounts
Education
High School Diploma -
Leuzinger High School
Lawndale, CA06.
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Southern California Regional Occupation Center
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Casa Bella Realtor
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Alison Online Education
Skills
- Meticulous attention to detail
- Skilled in managing multiple tasks
- Sales Force/Epysis/Synergy/
- Strong interpersonal skills
- Analytical problem-solving
- Synapsis/Microbilt/Experian
- Cross-functional team leader
- Proficient in Excel
Certification
- FCRA Certification
- CPR, AED, First AID
- Introduction to Caregiving Certificate
- Caregiving Skills- Dementia Care
- Bank Clerk Certification
- Real Estate Certification
Languages
Bilingual (Speak, read and write both English and Spanish)
Timeline
Loan Servicing Representative III
Financial Partners Credit Union
04.2025 - 05.2025
Credit Resolution Support Specialist
Water and Power Community Credit Union
06.2019 - 04.2025
Re Servicing
Logix Credit Union
04.2019 - 06.2019
Operation Service Representative
Unify Financial Credit Union
12.2015 - 04.2019
Customer Service Loan Representative
OPORTUN
10.2015 - 12.2015
Customer Service Baker Assistant
El Super
10.2013 - 12.2015
Loss Mitigation Specialist
First Federal Bank of California
12.2000 - 02.2009
Credit Card Specialist
Hughes Aircraft Employee Credit Union
01.1998 - 12.2000
Teller
Hawthorne Savings and Loans
12.1995 - 01.1998
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Southern California Regional Occupation Center
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Casa Bella Realtor
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Alison Online Education
High School Diploma -
Leuzinger High School
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