Gilbert Covarrubias
Las Vegas
Summary
With over a decade of experience in the loan industry, bringing a wealth of knowledge and expertise to the table. Throughout the career, honed skills in processing and SBA lending, gaining valuable insights into government quality control. Additionally, excelled in building strong customer relationships and developing exceptional customer service practices. Commitment to ensuring smooth file processing consistently resulted in efficient and successful outcomes.
Overview
12
12
years of professional experience
Work History
Quality Control Specialist
iBusiness Funding
03.2024 - Current
- Documentation: Reviewing post-closing documentation for accuracy, including dates and signatures
- Compliance: Ensuring that SBA loans comply with state and federal laws, rules, and regulations
- Policy: Staying up to date on SBA SOP changes and day-to-day policy and procedure
- Relationships: Building professional relationships with attorneys, credit, and closing departments to resolve incomplete or missing documentation
- Communication: Responding to inquiries about exceptions from all levels of the organization
- Findings: Presenting deficient findings to the closer for pre and post-close reviews
SBA 7a Credit Analyst lll
Accion Opportunity Fund
07.2019 - 02.2024
- SBA 7(a) Loans: Evaluated creditworthiness as well as made recommendations for lending decisions
- Interviewed borrowers and made loan document decisions
- My role was to ensure all the documents needed for a smooth clear to close were obtained
- Experience gathering documentation needed for all type of 7(a) loans
- Business acquisitions, working capital, debt refinance, construction as well as express loans and analyzing correct UCC ABA lien positioning as well as PMSI for any sort of machinery purchases
- Identified any sort of potential quality issues
Credit Analyst
Navy Federal Credit Union
01.2015 - 01.2019
- Assisted with credit decision making on consumer loans
- Completed ration analysis on income to determine qualifiable income
- Ensured that all approved applications complied with bank criteria
- Entered, updated and retrieved information for credit applications
- Pulled credit reports as well as credit supplements when needed
- Assisted loan Officer with mortgage applications when needed
Teller
Navy Federal Credit Union
03.2013 - 01.2015
- Processed day to day transactions
- Delivered high quality customer service
- Referred to bankers for credit union products
- Balanced teller drawer and made sure everything was in order with drawer
- Helped in opening new members' accounts
Education
Bachelor's - Business
Nevada State College
01.2018
High school or equivalent -
Crawford High School
06.2014
Skills
- Bilingual
- Salesforce
- Customer service
- Credit analysis
- Account reconciliation
- Risk management
- Loan origination
- Management
- Spanish
- Leadership
- Fair Housing regulations
- Microsoft Office
- Risk analysis
- Loan processing
- Balance sheet reconciliation
- Banking
- Financial analysis
- SBA 7a Lending
- Quality Control
- SOP
- Internal audits
- Quality management systems
- Documentation review
- Auditing techniques
Languages
Spanish
Native or Bilingual
Timeline
Quality Control Specialist
iBusiness Funding
03.2024 - Current
SBA 7a Credit Analyst lll
Accion Opportunity Fund
07.2019 - 02.2024
Credit Analyst
Navy Federal Credit Union
01.2015 - 01.2019
Teller
Navy Federal Credit Union
03.2013 - 01.2015
Bachelor's - Business
Nevada State College
High school or equivalent -
Crawford High School
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