Joann Garcia
Santa Clarita,CA
Summary
oriented professional with extensive experience in loan processing for residential and refinanced loans along with Banking Teller duties to assist all banking and credit union customers .Proven ability to function in changing environments, and interact effectively with all levels of support staff in order to increase revenues and improve profits. Worked and Managed financial banking branches for over 15years. Over 20 Years of experience in Banking/Customer Service -Teller.
Overview
28
28
years of professional experience
Work History
CSR - Customer Service Representative
The Home Depot
06.2021 - 08.2024
- Assisting Customers with returns /sales/special orders/online orders/pro commercial orders sales and incoming calls
- Assisting departments with customers needs and questions.
Corporate Underwriting Auditor
Bank of America
03.2011 - 08.2013
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
- Performs quality control audits
- Work with internal QC/QA partners and business partners
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
- Prepare and type loan applications, closing documents, legal documents, letters, forms, government notices, and checks, using computers
- Provide analytical Underwriting within an internal control environment with a set SLA
- Verify and examine information and accuracy of loan application and closing documents
- Audit Underwriting Process for FHA, HFA, NACA, VA treatment options for potential errors and/or omissions: Processes and acquires all income calculations for underwriting process
- Independently decision loans in the best interest of the Bank, Investors and borrowers
- Working knowledge of operating policies and procedures for Retention Analysis Development.
Loan Officer/Litigation Lead
VA Desert Pacific Federal Credit Union
11.2004 - 02.2011
- Senior Teller Responsibilities
- Processing customer deposits , withdrawals , certified checks , money orders , cash transactions
- Rolling over certificate of deposit, opening new accounts. Assisting with sales that accommodate there banking needs .
- Loan Processing of Conventional, VA and FHA Government Loans
- Assist staff with approximately 15 to 35 loan closing file a week
- Collect for accuracy after loan originator completes disclosure packages
- Exceed funding time frame of 7 days, with an average completion time of 2.3 days
- Provide high level of customer support; explain process and status of pending loan files
- Consistent in ordering titles, mortgage history pay-offs, flood certifications and insurance declaration pages
- Confirmed appraisal orders, revised hazard insurance mortgage clauses
- Restructured loans, managed disposition of short sales, foreclosed and deeds in lieu properties in a timely manner
- Assisted in communicating with national mortgages servicers, attorneys, and internal legal counsel to reach a resolution in all litigated matters
- Oversaw and implemented loss mitigation policy to reduce potential loan losses, delinquencies, and foreclosures
- Auditing and analyzing Litigation legal files for all consumer and home loans
- Analyzed Credit and Audited VA/Conventional Loans
- Monitoring and coordinating collection all collection activities including all Bankruptcy Chapters and Short Sales
- Preparation of litigation files for court appearance in Civil Suits
- Knowledge and Understanding of State and Federal Debt Collection Laws
- Conducting fraud Investigations on all Bank Products
- Supervised client relations, opened new domestic and international accounts in accordance with BSA (Bank Secrecy Act) the USA Patriot Act, and AML (Anti-Money Laundering).
Senior Asset Protection/Sr Teller
Telesis Community Credit Union
01.1997 - 01.2005
- Coordinated and executed direct loan underwriting/processing of all consumer/home loans; VA Underwriting & Processing
- Signature Limits for both Loans Funding & Monetary Transactions
- Effectively served as designated consumer dispute mediator
- Approved, rejected, and coordinated the approval or rejection of lines of credit or commercial, real estate, and personal loans
- Analyzed Credit and Counseling, Audited VA and Conventional Loans
- Auditing and analyzing legal files for all consumer and home loans.
- Successfully oversaw member repossessions, liquidation activity, and loan escalations.
- Obtaining trustee releases within 45-day time frame as per bankruptcy laws.
- Teller transactions: withdrawals,deposits, cash transactions, atm assistance .
- Opening new accounts , assisting with card disputes, rolling over new accounts like certificates and more .
Education
BA degree -
CSU Northridge
A.A. degree -
Los Angeles Valley College
Accounting -
Golden Oaks Adult School
Santa Clarita, CA04.2018
Skills
- Powerpoint
- Excel
- Word
- Underwriting
- Mortgage Loan
- FHA
- Bilingual
- Call Center
- Customer Care
- Customer Service
- Customer Support
- Credit Analysis
- Loan Officer Experience
- Loan Origination
- Risk Management
- Banking
- Loss Prevention
- Bank Secrecy Act
- Complaint Handling
- Appointment Scheduling
- Complaint resolution
- Inbound and Outbound Calling
- Call Management
- Report Generation
- Account updating
- Scheduling
- Data Entry
- Paperwork Processing
- Product Knowledge
- Shipping and receiving understanding
- Multi-Task Management
- Microsoft Excel
- Call Center Operations
- Order Processing
- Typing 40 WPM
- 10-Key
- Clerical Support
- Typing proficiency
- Filing
- Store maintenance
- Proofreading
- High-energy attitude
- Tactful and diplomatic
- Team Development
- Office equipment proficiency
- Microsoft Outlook
- Senior leadership support
- Payment Processing
- Dispute Resolution
Additional Information
I was in a horrible car accident which caused me to attend to years of rehab and medical attention. Two years ago I was finally able to go back to work part time and have been working for Home Depot for two years and 3 months in the returns and customer service department.
Languages
Spanish
Full Professional
Timeline
CSR - Customer Service Representative
The Home Depot
06.2021 - 08.2024
Corporate Underwriting Auditor
Bank of America
03.2011 - 08.2013
Loan Officer/Litigation Lead
VA Desert Pacific Federal Credit Union
11.2004 - 02.2011
Senior Asset Protection/Sr Teller
Telesis Community Credit Union
01.1997 - 01.2005
BA degree -
CSU Northridge
A.A. degree -
Los Angeles Valley College
Accounting -
Golden Oaks Adult School