Denise Trujillo
Las Vegas,NM
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Knowledgeable and efficient professional with extensive experience in financial industry. Prepares detailed client financial information to meet strict government and state regulations. Possesses comprehensive knowledge of conventional loan programs to fulfill customer needs. Passionate about promoting lasting customer satisfaction by delivering quality service and unparalleled support. Proficient in customer service best practices and related options. Dedicated Customer Service professional with knowledge of service delivery and proven multitasking abilities. Committed to maintaining professional relationships to increase profitability and drive business results.
Overview
23
23
years of professional experience
Work History
Loan Officer
Community 1st Bank
07.2022 - 12.2023
- Submitted loan applications to underwriter for verification and recommendations.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Developed strong partnerships with real estate agents, generating a consistent pipeline of referrals and new business opportunities.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Processed loan applications and monitored progress from start to finish.
- Advised clients on mortgage, education and personal loans.
- Maintained strict confidentiality of bank records and client information.
- Monitored pipelines to track and log status of loans.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Examined customer loan applications for loan approvals and denials.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed strong relationships with customers through high levels of customer service.
- Assisted customers with completing loan applications and other paperwork.
- Assessed loan portfolios for compliance with underwriting policies.
- Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Paid attention to detail while completing assignments.
- Worked effectively in fast-paced environments.
Loan Processor
Community 1st Bank
12.2016 - 07.2020
- Coordinated closing process with attorneys, title companies, and government clerks.
- Provided exceptional customer service by addressing borrower concerns and resolving issues in a timely manner.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Utilized loan origination software to process and track loan applications.
- Provided quick turnaround times to maintain fast-past schedule.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Developed and maintained relationships with customers, lenders and other third parties.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Assisted customers with completing loan applications and other paperwork.
- Compiled closing packages for drafting and presentation accuracy.
- Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Loan Processor/Office Manager
Southwest Financial
07.2014 - 12.2016
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Processed loan applications and monitored progress from start to finish.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Proactively identified solutions for customers experiencing credit issues.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Assisted customers with completing loan applications and other paperwork.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Compiled closing packages for drafting and presentation accuracy.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Handled any conditions sent from underwriting departments.
- Utilized loan origination software to process and track loan applications.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Promoted a positive work environment through effective communication skills and teamwork initiatives.
- Proved successful working within tight deadlines and a fast-paced environment.
- Provided professional services and support in a dynamic work environment.
- Passionate about learning and committed to continual improvement.
- Self-motivated, with a strong sense of personal responsibility.
- Gained extensive knowledge in data entry, analysis and reporting.
- Maintained computer and physical filing systems.
- Created, maintained and updated filing systems for paper and electronic documents.
- Worked well in a team setting, providing support and guidance.
- Excellent communication skills, both verbal and written.
Assistant Manager
Two Brothers Shell Gas Station
04.2012 - 02.2013
- Maintained a clean, safe, and organized store environment to enhance the customer experience.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
- Assisted in organizing and overseeing assignments to drive operational excellence.
- Boosted employee morale by recognizing outstanding performance and celebrating team accomplishments.
- Supervised creation of exciting merchandise displays to catch attention of store customers.
- Monitored daily cash discrepancies, inventory shrinkage and drive-off.
- Enhanced store appearance for increased sales by maintaining cleanliness and implementing strategic merchandise displays.
- Verified inventory counts remained within monthly tolerance levels and compiled financial data in compliance with budget.
- Managed cash registers efficiently, ensuring accurate transactions, balancing drawers daily, and minimizing discrepancies.
- Worked flexible hours across night, weekend, and holiday shifts.
Assistant Cashier
Walmart
04.2010 - 12.2011
- Maintained a clean and organized workspace, contributing to a professional store environment and positive customer experience.
- Met customer needs through polite, friendly and attentive service.
- Kept cash wrap stocked, products faced and shelving free of misplaced items or trash.
- Retrieved items for customers and verified prices.
- Worked with floor team and managers to meet wide range of customer needs.
- Enhanced customer satisfaction by providing efficient and accurate transactions at the cashier counter.
- Packed customer orders into boxes and bags, transferring to shopping cart.
- Encouraged customers to make additional purchases by highlighting current deals and keeping lane well-stocked.
- Maintained current knowledge of store promotions and highlighted sales to customers.
- Paid attention to detail while completing assignments.
- Demonstrated a high level of initiative and creativity while tackling difficult tasks.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
Branch Manager
Community 1st Bank
06.2002 - 12.2009
- Enhanced branch production rates by handling staff conflicts, evaluations, training processes and coaching employees on company protocol.
- Improved cash management procedures, ensuring accurate cash handling practices across all transactions within the branch.
- Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Resolved escalated customer issues quickly and efficiently while demonstrating empathy towards clients' concerns resulting in higher customer retention rates.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Established internal audit procedures to validate and improve accuracy of financial reporting.
- Assessed employee performance and developed improvement plans.
- Managed daily branch operations for optimal efficiency and performance, resulting in improved customer experiences.
- Led a team of banking professionals, providing regular coaching and development opportunities for career growth.
- Fostered strong relationships with clients by addressing their needs promptly and providing personalized account solutions.
- Developed strong organizational and communication skills through coursework and volunteer activities.
- Acted as a team leader in group projects, delegating tasks and providing feedback.
- Excellent communication skills, both verbal and written.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Self-motivated, with a strong sense of personal responsibility.
- Exercised leadership capabilities by successfully motivating and inspiring others.
- Provided professional services and support in a dynamic work environment.
- Developed strong multitasking skills by simultaneously managing multiple customers'' requests while maintaining accuracy in cash handling.
- Handled cash with high accuracy and took care to check bills for fraud.
Loan Processor
Your Credit
10.2000 - 05.2002
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Utilized loan origination software to process and track loan applications.
- Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
- Developed and maintained relationships with customers, lenders and other third parties.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Assisted customers with completing loan applications and other paperwork.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Managed time efficiently in order to complete all tasks within deadlines.
- Gained extensive knowledge in data entry, analysis and reporting.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Excellent communication skills, both verbal and written.
Education
High School Diploma -
West Las Vegas High School
Las Vegas, NM05.2000
Skills
- Creditworthiness Determination
- Proficient in 10-key
- Client Relations
- Collections Management
- Mortgage lending
- Customer Service
- Credit File Updating
- Documentation Review
- Application verification
- Basic Mathematics
- Loan Origination
- Loan Feasibility Assessment
- Credit
- Loan Processing Coordination
- Commercial Lending
- Loan Servicing
- Credit History Review
- Loan File Maintenance
Timeline
Loan Officer
Community 1st Bank
07.2022 - 12.2023
Loan Processor
Community 1st Bank
12.2016 - 07.2020
Loan Processor/Office Manager
Southwest Financial
07.2014 - 12.2016
Assistant Manager
Two Brothers Shell Gas Station
04.2012 - 02.2013
Assistant Cashier
Walmart
04.2010 - 12.2011
Branch Manager
Community 1st Bank
06.2002 - 12.2009
Loan Processor
Your Credit
10.2000 - 05.2002
High School Diploma -
West Las Vegas High School
Similar Profiles
Amanda FourdyceAmanda Fourdyce
Book Keeping and Bank Teller at 1st Community BankBook Keeping and Bank Teller at 1st Community Bank
Jessica WatsonJessica Watson
Universal Banker at 1st Colonial Community BankUniversal Banker at 1st Colonial Community Bank
Theresa SimonsTheresa Simons
Operations Manager at 1st Colonial Community BankOperations Manager at 1st Colonial Community Bank