Summary
Overview
Work History
Education
Skills
Timeline
Generic

Jose Rodriguez

Laredo

Summary

Hardworking Credit Officer well-versed in reviewing financial documents, preparing loan packages and making recommendations based on risk values. Detail-oriented and thorough with excellent judgment and good verbal and written communication strengths. Effective at keeping customer loans in line with bank and legal guidelines through systematic assessments of property values and borrower histories. Dedicated to optimizing bank portfolios by balancing risk with profitability. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals.

Overview

16
16
years of professional experience

Work History

Credit Administration Officer

Texas Community Bank
02.2008 - Current
  • Improved loan processing efficiency by implementing new credit administration procedures and policies.
  • Reduced delinquency rates through effective monitoring of loans and timely communication with clients.
  • Enhanced the accuracy of financial reports by conducting thorough reviews of credit data and documentation.
  • Streamlined loan approval processes for faster turnaround times, contributing to increased customer satisfaction.
  • Organized and finalized loan applications for underwriter review.

Commercial Construction Manager

Texas Community Bank
02.2008 - Current
  • Micromanage commercial construction projects by working effectively with general contractors, subcontractors, engineers and architects.
  • Overseeing all affidavits of commencment, competions and all bills paid are signed and execute at specific counties building projects locations.
  • Recordkeeping all invoices for all third party inspectors who we hire to inspect all commerical building projects
  • Inspect our home spec loans approved by our mortage department, in taking pictures and maintaining a construction budget provided by contractors.

Collections

Texas Community Bank
02.2008 - Current
  • Recovering outstanding debt by implementing effective collections strategies and maintaining consistent communication with clients.
  • Assisting in vehicle repossession and title documents for the sale of any repo vehicle we have in our possession and documents to sell the vehicle after our 10 day letter has expired.
  • Prepare demand letters for past due loans.

Education

High School Diploma -

J. B. Alexander High School
Laredo, TX
05.2000

Skills

  • Loan Processing
  • Cash Flow analysis
  • Documentation Review
  • Credit management
  • Credit analysis
  • Portfolio Management

Timeline

Credit Administration Officer

Texas Community Bank
02.2008 - Current

Commercial Construction Manager

Texas Community Bank
02.2008 - Current

Collections

Texas Community Bank
02.2008 - Current

High School Diploma -

J. B. Alexander High School
Jose Rodriguez