Erica S. Palfrey
Phoenix,AZ
Summary
Banking professional with comprehensive experience in financial services and client management. Skilled in financial analysis, risk assessment, and regulatory compliance. Strong focus on team collaboration and consistently achieving results in fast-paced environments. Known for adaptability and reliability, with keen eye for detail and strong interpersonal skills.
Overview
10
10
years of professional experience
Work History
ACH Banking Specialist
MUFG Bank
AZ, USA
05.2023 - 05.2024
- Account maintenance of the general ledger
- Analyze, research and resolve account discrepancies and errors
- Respond to inquiries & issues via email
- Process payments and holds on commercial accounts
Loan Underwriter
Stellantis Financial Services
08.2022 - 05.2023
- Analyze financial data and credit reports for qualification
- Evaluating loan documents for accuracy
- Restructure loan requests to ensure alignment with company DTI, PTI and LTV policies.
Funding Analyst
Santander Consumer USA
01.2018 - 08.2022
- Analyzing and verifying loan applications and documents for completeness
- Received 50-100 inbound calls per day
- Make outbound calls requesting documents for verification
- Verify accuracy on all documents and information provided
- Inbound point of contact for customers, 3rd parties, and dealerships
- Prepared and processed loans for funding
Mortgage Specialist II
Chase Bank
03.2014 - 12.2017
- Primary point of contact for customers in an inbound high call volume
- Provide account information including but not limited to loan payments, escrow, taxes, payoffs, easements, modifications, recasts, loan documents.
- Conduct research requests to resolve discrepancies and errors
- Communicate and work with other departments to to resolve customer requests and inquiries
Education
N/A - Real Estate & Business
Arizona School of Real Estate & Business
Scottsdale, AZMajor - General Studies
San Diego City Schools
01.2009
Skills
- Analytical
- Problem solving
- Communication
- Leadership
- Processing
- Underwriting
- Payment posting
- Financial records and reporting
- Cash application
- Information gathering and analysis
- Documentation
- Credit analysis
- Processing procedures
- Financial document review
- Escrow management
Personal Information
Title: Banking Professional
Timeline
ACH Banking Specialist
MUFG Bank
05.2023 - 05.2024
Loan Underwriter
Stellantis Financial Services
08.2022 - 05.2023
Funding Analyst
Santander Consumer USA
01.2018 - 08.2022
Mortgage Specialist II
Chase Bank
03.2014 - 12.2017
Major - General Studies
San Diego City Schools
N/A - Real Estate & Business
Arizona School of Real Estate & Business