Denise Gonzalez
West Haven,UT
Summary
Experienced Commercial Loan Specialist with strong background in loan processing and credit evaluation. Possess substantial knowledge of commercial lending processes, loan structuring, and regulatory compliance. Known for analytical acumen, negotiation skills, and ability to deliver innovative solutions to complex situations. Previous work has shown significant success in streamlining loan application processes while maintaining high levels of customer satisfaction.
Overview
12
12
years of professional experience
Work History
Commercial Loan Specialist
Wasatch Peaks Credit Union
Ogden, UT
08.2022 - Current
- Closed commercial loans such as equipment loans, real estate, autos, credit cards, and lines of credit.
- Reviewed and analyzed loan applications to ensure compliance with bank policies and procedures.
- Analyzed financial statements, tax returns and other documents for credit worthiness of applicants.
- Verified collateral documentation prior to closing of loans.
- Developed relationships with local businesses by attending networking events and industry trade shows.
- Participated in weekly team meetings to discuss current projects, goals, objectives and strategies for success.
- Evaluated customer requests for modifications or extensions on existing loans.
- Reviewed client documentation and contracts for discrepancies and mistakes.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Informed customers of loan application requirements and deadlines.
- Collaborated with company teams to expedite loan approval processes.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Commercial Loan Processor
Wasatch Peaks Credit Union
Ogden, UT
10.2021 - 08.2022
- Filed Loan Documentation, retrieved requested materials, and ensured all materials and documentation were in the appropriate files.
- Processed all Construction Loans from submission to closing. Ordered all draws and completed disbursement of funds during the construction phase.
- Loan booking, processed wires, pay off processing, account set up and account set up and account research, prepared checks, and other documents, made sure all invoices were paid, ect.
- Processed all construction loan applications. Gathered all necessary loan documents and filed them.
- Ordered all reviews all documentation, i.e., appraisal, survey, title commitment.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Verified accuracy of closing figures prior to disbursement of funds.
- Updated customers regularly on status of their loans throughout the processing period.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
Commercial Account Specialist
Wasatch Peaks Credit Union
Ogden, UT
10.2020 - 10.2021
- Developed and maintained customer accounts by accurately recording customer information.
- Processed payments for customers, including credit card transactions, checks, wire transfers, and ACH payments.
- Collaborated with other departments to resolve problems related to customer accounts.
- Provided exceptional customer service by responding promptly to phone calls and emails from customers.
- Assisted customers in setting up online accounts and provided training on how to use the system.
- Interfaced with external auditors during quarterly reviews providing requested documents in a timely manner.
Member Service Representative
Wasatch Peaks Credit Union
Ogden , UT
08.2015 - 10.2020
- Analyzed current financial positions of members to determine the degree of risk involved in
extending credit. Made decisions to approve, disapprove, or forward the loan request to higher
levels for decisioning. - Accurately explained credit union products and services to members; evaluate their needs and
recommend account and loan options. - Prepared and reviewed all membership and loan documents for completeness and accuracy.
- Resolved problems that are within authority. Referred problems that are beyond authority to
supervisor, along with recommendations. - Maintained knowledge of the credit union’s policies, procedures, products and services.
Teller
Wasatch Peaks Credit Union
Ogden, UT
05.2012 - 08.2015
- Received and processed member financial transactions correctly; balanced cash drawer daily.
- Accurately explained credit union products and services to members; evaluated their needs and
recommended account options. - Accurately followed policies and procedures.
- Completed Teller Advancement Program as designed
- Resolved problems that are within authority. Referred problems that are beyond authority to
supervisor, along with recommendations. - Maintained member/account confidentiality.
Education
Licensed Cosmetologist - Cosmetology
Marinello School of Beauty - Provo
Ogden, UT12-2015
Skills
- Documentation Review
- Loan Servicing
- Reviewing credit information
- Complaint Handling
- Attention to Detail
- Income Evaluation
- Checking applications
- Financial History Analysis
- Customer Relations
- Loan Processing Coordination
- Application Review
- Credit History Review
- Creditworthiness Determination
- Loan Processing
- Microsoft Office
- Teamwork and Collaboration
- Customer Service
- Self Motivation
- Communication Skills
Accomplishments
- Top Performing Lender for Consumer Loans (2017)
Languages
Spanish
Native/ Bilingual
Timeline
Commercial Loan Specialist
Wasatch Peaks Credit Union
08.2022 - Current
Commercial Loan Processor
Wasatch Peaks Credit Union
10.2021 - 08.2022
Commercial Account Specialist
Wasatch Peaks Credit Union
10.2020 - 10.2021
Member Service Representative
Wasatch Peaks Credit Union
08.2015 - 10.2020
Teller
Wasatch Peaks Credit Union
05.2012 - 08.2015
Licensed Cosmetologist - Cosmetology
Marinello School of Beauty - Provo
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