Daisy Navarro
Richmond
Summary
Talented professional with several years of experience and expertise in underwriting. Strong statistical analysis, quoting and negotiating skills. Well versed in preparing credit loans and terms to manage risk and mitigate loss. Managemnet experience, team development, management Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
14
14
years of professional experience
Work History
Senior Indirect/Direct Underwriter
TDECU
Sugarland
01.2021 - Current
- Analyzed risk factors for products applications and identified potential issues.
- Ensured compliance with regulatory guidelines and internal policies during assessments.
- Assisted in training junior underwriters on best practices and procedures.
- Provided recommendations for approving or denying loan requests based on analysis.
- Maintained detailed records of underwriting processes and decisions for audits.
- Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.
- Analyzed financial information including income, assets, liabilities and credit history of applicants.
- Evaluated financial documents to determine applicant eligibility for coverage.
- Collaborated with agents to clarify underwriting requirements and streamline processes.
- Evaluated loan applications to assess risk and validate borrower information.
- Completed day-to-day duties accurately and efficiently.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Managed new hire trainings and onboarding to educated employees on company policies and procedures.
- Answered phone calls from vendors regarding orders or other inquiries.
- Reviewed employee performance reviews prior to final approval by upper management
- Reviewing 2nd reviews for 6+ employees
- Responsible for all senior management duties
- Participating in product development
- Pulling daily production reports for 20+ employees.
- Covering daily and weekend shift when system outages
- Covering all management duties when needed
- Supported financial management tasks, including invoicing and processing expense claims.
- Conducted regular meetings with senior management to review administrative support needs.
- Maintained positive working relationship with fellow staff and management.
Digital Lending Services Representative
TDECU Your Credit Union
Sugarland
10.2019 - 01.2021
- Following the standard call model on incoming calls and processes applications for loans from existing members within TDECU
- Educates members on product offerings
- Researches problems through use of various systems and data sources to solve issues and answer member inquiries accurately and quickly
- Submitting and Review credit reports with customers and help them make the best decision based on credit report and qualifications. Reviewing application for an instant approval.
- Processing Loan in a timely matter and accuracy, from beginning to end.
- Responsible for reviewing loan to sure the correct approval based on policy and procedures.
- Reviewing application for 12 team members up to 75k secured and 30k unsecure.
- Pulling credit and reviewing it with customer, educating member on what would be the best recommendation to higher credit score or an approval in the future.
- Responsible for individual goal and team goal monthly.
- Responsible for attending lending training every quarter required.
- Consistently strive to provide one call resolution
- Assisted members with account inquiries and transaction processing.
- Educated members on credit union products and services available.
- Resolved member complaints through effective communication and problem-solving.
- Maintained accurate records of member interactions and transactions.
- Trained new staff on customer service protocols and credit union policies.
- Resolved customer concerns with friendly and knowledgeable service.
- Delivered fast, friendly, and knowledgeable service for routine questions and service complaints.
Relationship Advisor/Member Champion
TDECU Your Credit Union
Greenway Branch
10.2016 - 10.2019
- Review credit reports with customers and help them make the best decision based on credit report and qualifications.
- Responsible for reviewing loan to sure the correct approval based on policy and procedures.
- Pulling credit and reviewing it with customer, educating member on what would be the best recommendation to higher credit score
- Processing Loan in a timely matter and accuracy, from beginning to end.
- Responsible for assisting customer and business client’s process loans and financial transactions.
- Assist customer with basic banking needs such as order checks, statements, activate and replacing chip debit cards.
- Opening and closing members safety deposit boxes accurately
- Responsible for meeting membership goal assigned monthly
- Meeting referral goal insurance, wealth advisor, and mortgages monthly
- Working directly with a Wealth Advisor to look for investments opportunity’s
- Assist managers with various vault duties such as preparing monthly and yearly audits.
- Making outbound calls per week to current members, building a relationship between member and origination
- Responsible for attending lending training every quarter required.
- Building relationship and maintaining relationship with high balances accounts.
LTOS-OPS
JP Morgan Chase Bank
Houston
01.2012 - 10.2016
- Help managing a team of 5-7 employees working with them to improve productions.
- Worked with teller to improve all facts of the job including compliance with bank policies.
- Responsible for meeting assigned operational and teller referral goal by providing top sales in the district monthly.
- Ensuring daily balance of each teller at the end of the day; balanced the cashbox and vault daily and ordered cash for branch.
- Worked with Branch Manager in scheduling time and attendance.
- Performed monthly and quarterly audits.
- Supervise, and mentor tellers to accurately handle paying/receiving transactions and provide a great customer experience.
Education
Houston Community College
Houston, TXSkills
- Customer Service
- Compliance
- Banking Operations
- Product Sales
- Financial Services Desktop
- Risk analysis
- Financial documentation
- Underwriting processes
- Loan evaluation
- Customer relationship management
- Credit analysis
- Team leadership
- Problem solving
- Employee training
Summary Of Qualifications
Customer Service, Compliance, Banking Operations, Product Sales and Marketing, Sales, Lending Experience, Bilingual-Spanish, Bilingual-English, MS Word, MS Excel, MS PowerPoint, MS Outlook, Financial Services Desktop, Filing Alpha/Numeric, Typing 45+WPM, 10 Key by Touch
Timeline
Senior Indirect/Direct Underwriter
TDECU
01.2021 - Current
Digital Lending Services Representative
TDECU Your Credit Union
10.2019 - 01.2021
Relationship Advisor/Member Champion
TDECU Your Credit Union
10.2016 - 10.2019
LTOS-OPS
JP Morgan Chase Bank
01.2012 - 10.2016
Houston Community College