EMILY ALVARADO
Middletown,DE
Summary
Adaptable professional with a quick-learning ability and a talent for adjusting to new environments. Skilled in rapidly acquiring new knowledge and applying it effectively. Driven by a passion for continuous learning and successfully navigating change.
Overview
19
19
years of professional experience
1
1
Certification
Work History
INDIRECT LENDING SPECIALIST
American Heritage Federal Credit Union
Philadelphia, PA
06.2017 - Current
- Thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from approval to funded.
- Support underwriter teams, dealerships, and sales team by ensuring timely and accurate processing of auto, motorcycle, RV, and PWC/ATV loans.
- Review loan applications for compliance with credit union policies, enhancing risk management.
- Collaborate with dealerships to streamline workflows, improving loan processing efficiency.
- Enter details of funded loans into an Excel spreadsheet for accurate record-keeping.
- Demonstrate proficiency in using MS Office, Meridian Link, Excel, Synergy, Symitar, and Outlook for daily tasks.
SENIOR SALES REPRESENTATIVE
Police and Fire Federal Union Credit
Philadelphia, PA
09.2011 - 06.2017
- Answer members' questions, and explain available services such as deposit accounts, bonds, and securities.
- Inform members of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit.
- Executed teller transactions accurately to ensure seamless customer service at the bank's branch.
- Refer members to appropriate bank personnel to meet their financial needs.
- Interview members to obtain information needed for opening accounts or renting safe-deposit boxes.
- Collect and record member deposits and fees, and issue receipts using computers.
- Investigate and correct errors upon members' request, according to member and bank records.
- Processed wire transfers to facilitate secure fund transfers between accounts.
- Perform foreign currency transactions and sell traveler's checks.
- Reviewed and submitted loan applications for approval in accordance with bank policies.
- Verify and examine information and accuracy of loan application and closing documents.
- Interviewed loan applicants to gather personal and financial data, facilitating the completion of accurate applications.
- Communicated application decisions to members via mail and phone to enhance transparency and member trust.
- Record applications for loan and credit, loan information, and disbursements of funds, using computers.
- Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers.
- Present loan and repayment schedules to members.
- Schedule and conduct closings of mortgage transactions.
FULL TIME TELLER
TruMark Financial Credit Union
Philadelphia, PA
04.2007 - 09.2011
- Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds.
- Enter customers' transactions into computers to record transactions and issue computer-generated receipts.
- Balanced currency, coin, and checks in cash drawers at shift's end, accurately calculating daily transactions.
- Process transactions such as term deposits, retirement savings plan contributions, automated teller transactions, night deposits, and mail deposits.
- Prepared cashier's checks by confirming required information and signatures.
- Carry out special services for customers, such as ordering bank cards and checks.
- Identified and corrected transaction mistakes to ensure accurate debits and credits.
- Resolved discrepancies in customers' accounts, enhancing client satisfaction and trust.
- Perform clerical tasks such as typing, filing, and microfilm photography.
Education
Associate in Science (A.S.) - Computer Forensics
COMMUNITY COLLEGE OF PHILADELPHIA
Philadelphia, PA05-2010
Skills
- Credit analysis
- Loan processing
- Application review
- Documentation review
- Data analysis
- Workflow optimization
- Time Management
- Remote video conferencing
- Leadership
- Team collaboration
- Problem Solving
- Spanish - Advanced
Certification
General Operations Regulations Level 1
Languages
Spanish
Professional
Timeline
INDIRECT LENDING SPECIALIST
American Heritage Federal Credit Union
06.2017 - Current
SENIOR SALES REPRESENTATIVE
Police and Fire Federal Union Credit
09.2011 - 06.2017
FULL TIME TELLER
TruMark Financial Credit Union
04.2007 - 09.2011
Associate in Science (A.S.) - Computer Forensics
COMMUNITY COLLEGE OF PHILADELPHIA