Gabriela Cruz
Riverside,CA
Summary
Accomplished Loan Processor and Officer with a proven track record at Bank Of America and Union Bank Of California, enhancing customer satisfaction and streamlining loan processing. Expert in credit analysis and client relations, I've significantly reduced application times and guided clients to financial success, demonstrating both analytical prowess and exceptional interpersonal skills. 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 and government loan programs to fulfill customer needs.
Overview
15
15
years of professional experience
Work History
Loan Processor
Bank Of America
08.2012 - 10.2021
- Increased customer satisfaction with timely responses to inquiries and providing thorough explanations of loan processes.
- Conducted credit analyses on applicants to assess risk levels prior to approval decisions.
- Processed loans within various departments to achieve timely, accurate, and fair proceedings.
- Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Reduced processing time for loan applications by implementing an organized filing system.
Loan Officer
Union Bank Of California
05.2006 - 08.2012
- Submitted loan applications to underwriter for verification and recommendations.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
Education
High School Diploma -
Bonita High School
La Verne, CA 05.2001 -
Skills
Client Data Gathering
Loan Servicing
Credit Reports
Loan Underwriting
Loan Closing
Processing procedures
Timeline
Loan Processor
Bank Of America
08.2012 - 10.2021
Loan Officer
Union Bank Of California
05.2006 - 08.2012
High School Diploma -
Bonita High School
05.2001 -
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