Gabriela Willard
Del Rio,Texas
Summary
Throughout my career, I have prided myself on providing superior customer service by any means of communication, in English and Spanish, including communications with co-workers as I believe communication is key to keeping a reputable image of my work ethic. Detail-oriented individual with proven ability to handle multiple tasks effectively and efficiently in fast-paced environments. Recognized for taking proactive approach to identifying and addressing issues, with focus on optimizing processes and supporting team objectives. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm. Vigilant and committed to on-time payments, maintaining detailed records and paying vendors on time. Professional with strong foundation in accounting practices, including accounts payable, bank reconciliations, and financial reporting.
Overview
15
15
years of professional experience
Work History
Accounting Assistant - Accounts Payable
Border Federal Credit Union
Del Rio, TX
08.2024 - Current
- Managed accounts payable and receivable processes, ensuring timely transactions and accurate record-keeping.
- Reconciled bank statements with general ledger entries, maintaining financial accuracy and integrity.
- Assisted in preparation of monthly financial reports, contributing to informed decision-making.
- Supported annual audit processes by organizing documentation and responding to auditor inquiries.
Commercial Real Estate Processing Specialist
The Bank & Trust, s.s.b.
Del Rio, Texas
10.2023 - 07.2024
- Prepare and obtain documentation for real estate secured loans, ensuring compliance with bank, state, and federal policies, procedures, and regulations
- Develop relationships and maintain communications, internally and with third party providers to facilitate closing and funding that is timely, accurate, efficient, and satisfactory for all
- Serve in compliance review of existing and new real estate related regulations, updating related policies and procedures as necessary. (HMDA-Reg C, Fair Lending-Reg B, BSA-AML etc.)
- Ensure record keeping of loan files meets retention and audit requirements
- Review loan borrower’s reports weekly to ensure loan compliance: Financial Statements including Income Statements and Balance Sheets, Tax Returns, recorded Deed of Trusts and Title Policies
- Audit all paid real estate loans for completeness, correcting discrepancies as necessary
- Handle, sort and distribute daily incoming/outgoing mail in the department
BSA/AML Specialist
The Bank of San Antonio
San Antonio, TX
11.2021 - 09.2023
- Review, independently assess, and update Customer Due Diligence (CDD), and Enhanced Due Diligence (EDD) customer information to ensure complete and accurate Know Your Customer (KYC) profiles in accordance with Customer Identification Program (CIP) requirements
- Compare observed activity with client KYC profiles and expected activity for anomalous transactions or behaviors to determine whether activity should be escalated for further review
- Prepare observations from analysis through compiling of review notes, documentation, and resolution, including preparation and submission of currency transaction reports (CTRs) or documenting of CTR Exemptions
- Review all new individual and entity accounts 90 days after opening to identify customers that may pose a money laundering and/or terrorist financing risk
- Audit compliance and operational staff, customer service areas and management; communicate exceptions and follow up for resolution with appropriate staff
Loan Operations Specialist II
The Bank of San Antonio
San Antonio, TX
02.2021 - 11.2021
- Provide loan operations support for: commercial mortgages, working capital lines of credit, acquisition financing, equipment financing, owner-occupied real estate loans, construction financing, letters of credit, mortgages and consumer loans
- Review in-house, attorney prepared and renewal loan documents before booking
- Communicate deficiencies as necessary and resolve critical issues prior to booking as needed, and identify exceptions
- Audit to ensure system coding of collateral is correct on all new and renewed loans
- Set up and maintain automatic loan transfer payments: research and correct payment errors, adjustments, reversals and advances to loans
- Assist clients and loan personnel, answering loan documentation and payment questions, resolving matters
- Track and monitor credit and collateral exceptions, review documentation to ensure exception is cleared
Commercial Real Estate Loan Processor III
Frost Bank
San Antonio, TX
05.2015 - 02.2021
- Prepare commercial loan documentation in assistance to loan officers
- Collect, compile, and analyze moderately complex data and information, and compose straightforward written descriptions of results for specified loans regarding monitoring of client financials
- Research various systems to collect and verify information on commercial entities, including Texas State Comptroller and Texas Secretary of State websites
- Create and submit loan agreements to upper management and in-house counsel for approval
- Assist fellow teammates with clearing exceptions found on client’s company financials
Loan Specialist
The Bank & Trust, s.s.b.
Del Rio, TX
07.2012 - 05.2015
- Prepare and review loan summaries and underwriting packages
- Analyze loan documentation, resolve problems, participate in developing methods to improve the workflow process within the department
- Provide research, analytical and specialized operational support to assist the department, lenders, and Title Companies
- Track late payments by customers daily, mail out daily notices as required
- Review and prepare Release of Liens for paid Mortgage Loans, including mailing original Note and Deed of Trust to customer
- Assist team of Lenders with loan documents, questions, and advice
- Review items such as Title Policies, Deeds of Trust, and Motor Vehicle Titles in system for legibility
Mortgage Loan Processor
Amistad Bank
Del Rio, TX
10.2010 - 07.2012
- Order and review Title Commitments, Surveys, Appraisals, Flood Certificates and Insurance Binders
- Request case numbers for VA loans
- Request and review Verifications of Employment and Verification of Deposits, as well as legal documents
- Process new home construction loans
- Calculate, review, and facilitate the money for the Construction Draws
- Request three inspections (Initial, Framing, and Final) for all construction loans
- Reconcile the credit card statement of the Mortgage Department
Education
Associate of Applied Science - General Studies
Southwest Texas Junior College
Uvalde, TX06.2011
Bachelor of Science - Organizational Leadership
Sul Ross State University
Del Rio, TX07-2026
Skills
- Geocoding System
- Jack Henry
- LaserPro
- The Work Number
- Thomas Reuter (Clear System)
- Tickler System (tracking purposes)
- Verafin
- Bank reconciliation
- Journal entries
- Customer service
- Accounts payable
- Strong communication skills
- MS office
- GL entries and reconciliation
- Data inputting
- Invoicing and billing
- Month-end closing and reports
- Attention to detail
- Account reconciliation
- Payment processing
- Invoice verification and processing
- Continuous learning attitude
- Discrepancy research
- Accruals and prepayments
- Verbal and written communication
- Month-end documentation
- Year-end closing
Timeline
Accounting Assistant - Accounts Payable
Border Federal Credit Union
08.2024 - Current
Commercial Real Estate Processing Specialist
The Bank & Trust, s.s.b.
10.2023 - 07.2024
BSA/AML Specialist
The Bank of San Antonio
11.2021 - 09.2023
Loan Operations Specialist II
The Bank of San Antonio
02.2021 - 11.2021
Commercial Real Estate Loan Processor III
Frost Bank
05.2015 - 02.2021
Loan Specialist
The Bank & Trust, s.s.b.
07.2012 - 05.2015
Mortgage Loan Processor
Amistad Bank
10.2010 - 07.2012
Associate of Applied Science - General Studies
Southwest Texas Junior College
Bachelor of Science - Organizational Leadership
Sul Ross State University