ESMERALDA GARCIA
Riverside ,CA
Summary
Professional and enthusiastic Loan Officer provides excellent customer service throughout loan origination process. Well-versed in all types of loans and application processes. Consistently exceeds sales expectations. Successful at satisfying customer needs while tackling daily office priorities. Smooth when handling administrative tasks by coordinating with team members. Works well under pressure and is able to consistently meet deadlines. Detail oriented, and able to provide excellent customer service.
Overview
8
8
years of professional experience
Work History
Consumer Loan Specialist III
Schools First Credit Union
Riverside, CA
02.2024 - Current
- Processed loan payments, updated records, and provided customer service assistance as needed.
- Calculated monthly payment amounts based on interest rates and loan terms.
- Prepared detailed loan agreements outlining the terms of each loan.
- Advised customers on best practices for managing debt obligations associated with consumer loans.
- Developed strategies to increase customer satisfaction and loyalty through excellent customer service practices.
Assistant Relationship Manager
Capital One Auto Finance
Irvine, CA
07.2021 - 01.2024
- Developed and maintained knowledge of available loan products, processing procedures, underwriting, and general departmental guidelines.
- Participated in professional development seminars related to auto finance industry regulations.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Enforced customer service standards and resolved customer problems to uphold quality service.
- Improved loan applications and documentation by informing applicant of additional requirements.
Funding Office/Reception Manager
STG Auto Group
Garden Grove, CA
04.2020 - 07.2021
- Organized and updated monthly schedules and monthly calendar obligations for various levels of management and staff.
- Processed payments, updated accounts to reflect balance changes. and verified checks.
- Trained and mentored administrative staff members in company policies, daily task execution.
- Oversaw office inventory by restocking supplies and submitting purchase orders.
- Collecting large electronic fund transfers, checks, and cash. Maintained and handled safe contents. (checks, cash, and receipts)
- Collected and verified all DMV documents in a timely matter.
Funding Officer
STG Auto Group
Garden Grove, CA
12.2017 - 04.2020
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Created and completed loan submission packages.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Supported loan officiant and underwriter teams by ensuring timely, judicious and accurate loan processing.
- Organized loan files, updated databases, prepared general correspondence, and communicated with Finance Managers.
- Read and comprehended Experian Credit reports
Receptionist/Filling Clerk
STG Auto Group
Montclair, CA
03.2017 - 12.2017
- Handled multiple phone lines, and accurately and efficiently printed loan documents for customers.
- Provided excellent service and attention to customers in person and via phone conversations.
- Followed standards promoting data accuracy and confidentiality when reviewing customer files.
- Consolidated outdated files to inactive storage following guidelines and legal requirements.
Education
High School Diploma -
Ramona High School
Riverside, CA2013
Some College (No Degree) - General Studies
Riverside Community College
Riverside, CASkills
- Document Analysis
- Business operations understanding
- Multi-line telephone skills
- Data entry
- Organization and efficiency
- Bilingual
- Relationship Building and Management
- Regulatory Compliance
- Client Relations
- Customer Service-Focused
Timeline
Consumer Loan Specialist III
Schools First Credit Union
02.2024 - Current
Assistant Relationship Manager
Capital One Auto Finance
07.2021 - 01.2024
Funding Office/Reception Manager
STG Auto Group
04.2020 - 07.2021
Funding Officer
STG Auto Group
12.2017 - 04.2020
Receptionist/Filling Clerk
STG Auto Group
03.2017 - 12.2017
High School Diploma -
Ramona High School
Some College (No Degree) - General Studies
Riverside Community College
Similar Profiles
Diana VillarrealDiana Villarreal
Member Service Representative I at Schools First Credit UnionMember Service Representative I at Schools First Credit Union
Elizabeth OrtegaElizabeth Ortega
Service Delivery Representative at Schools First Credit UnionService Delivery Representative at Schools First Credit Union
Ilda DedicIlda Dedic
Operations Manager at Fargo Public Schools Federal Credit UnionOperations Manager at Fargo Public Schools Federal Credit Union
Tommy TranTommy Tran
Material Handler Team Lead at Complete Coach WorksMaterial Handler Team Lead at Complete Coach Works
Zachary AndersonZachary Anderson
Intergration/Structures Technician at SpaceXIntergration/Structures Technician at SpaceX