Juli Cardenas
Fredericksburg,VA
Summary
Driven by results, I excelled at Capitol Motors, leveraging my financial statement analysis and relationship-building skills to enhance loan funding processes and sales strategies. My bilingual proficiency and teamwork fostered significant customer satisfaction and financial growth, achieving a notable increase in annual sales without compromising service quality. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Funder position. Ready to help team achieve company goals as well as seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
8
8
years of professional experience
Work History
Loan Funder
Capitol Motors
12.2020 - Current
- Maintained strict confidentiality of bank records and client information.
- Submitted loan applications to underwriter for verification and recommendations.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Monitored performance of existing loan portfolios to identify and address any issues.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Developed and implemented marketing campaigns to attract new customers.
- Collaborated with other departments to promptly process loan applications.
- Developed strong relationships with customers through high levels of customer service.
- Examined customer loan applications for loan approvals and denials.
- Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
- Utilized risk management strategies to attain high loan approval rates.
- Negotiated loan terms to provide favorable outcomes for both customers and lenders.
- Developed systems to efficiently track loan documents and enhance accuracy.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Processed loan applications and monitored progress from start to finish.
- Supervised loan personnel and motivated to maintain customer service and performance standards.
- Assisted customers with completing loan applications and other paperwork.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Monitored pipelines to track and log status of loans.
- Explained very technical financial information to applicants in easy to understand language.
- Proactively identified solutions for customers experiencing credit issues.
- Researched and updated industry knowledge on changing legislation and regulations.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Approved loan applications based on customer creditworthiness and provided detailed financial advice.
- Developed and maintained relationships with customers, lenders and other third parties.
- Compiled closing packages for drafting and presentation accuracy.
- Assessed loan portfolios for compliance with underwriting policies.
- Negotiated loan terms and conditions with customers to secure best deal.
- Evaluated loan requests and documents to verify accuracy and completeness.
Assistant Finance Manager
Capitol Motors
01.2020 - 12.2020
- Organized and reported on financial information to document payment histories and assist with sound financial accounting.
- Managed office inventory and ordered new supplies when items were running low.
- Input financial data and produced reports using (CMR-Dealers cloud/Dealer center).
- Reported financial data and updated financial records in ledgers and journals.
- Observed strict confidentiality rules to maintain data integrity and protect clients.
- Entered financial data into company accounting system with stringent adherence to data security protocols
- Pitched in to assist with special projects and additional tasks.
- Assisted with preparation of monthly financial statements and reports to inform management.
- Processed daily financial transactions in support of finance team objectives.
- Maintained accurate records of financial transactions in alignment with regulatory requirements.
- Organized budget documentation and tracked expenses to maintain tight business controls.
- Helped reconcile bank statements and accounts and maintain accuracy and current records.
- Minimized risk of errors by accurately processing invoices, payments and other financial transactions.
- Generated reports for budgeting, forecasting and financial analysis to track results against target profit margins.
- Resolved discrepancies in financial data to increase accuracy and reduce potential backlogs.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Managed and responded to correspondence and inquiries from customers and vendors.
- Generated invoices upon receipt of billing information and tracked collection progress.
- Recorded deposits, reconciled monthly bank accounts and tracked expenses.
- Reduced financial discrepancies, effectively reconciling bank accounts and organizing information into accounting software.
- Maintained excellent financial standings by working closely with bookkeeper to process business transactions.
- Strengthened financial operations by conducting bank reconciliations and financial reporting.
- Tracked financial progress by creating quarterly and yearly balance sheets.
- Managed complex problem-solving for upper management in order to complete projects on-time and within budget.
- Created detailed expense reports to facilitate reimbursement for business expenses incurred.
- Matched purchase orders with invoices and recorded necessary information.
- Gathered, evaluated and summarized account data in detailed financial reports.
- Reconciled accounts, managed audits and updated financial records with remarkable accuracy.
- Presented audit findings to accounting manager after reviewing results and paperwork.
- Handled day-to-day accounting processes to drive financial accuracy.
- Streamlined bookkeeping procedures to increase efficiency and productivity.
- Effectively communicated with clients about payment needs and kept updated, detailed and accurate ledgers.
- Streamlined daily reporting information entry for efficient record keeping purposes.
- Supported management by processing invoices and documents with consistent on-time delivery.
- Inspected account books and recorded transactions.
- Compiled budget figures by reviewing past budgets, evaluating estimated income, and assessing expenses.
- Created organizational structures to improve accounting and finance functions.
- Processed invoices and contacted appropriate parties for timely payment receipt.
- Prepared and managed large capital expenditure budgets to effectively handle infrastructure investment and long-term operations.
Sales Representative Team Leader
Capitol Motors
08.2017 - 12.2019
- Fostered vital customer relationships to generate sales.
- Fostered lasting relationships with customers through effective communication and quick response, resulting in long-term loyalty and expanded client base.
- Maintained current knowledge of evolving changes in marketplace.
- Collaborated with managers to provide customer feedback and recommend operational changes to meet emerging trends.
- Fielded customer complaints and facilitated negotiations, resolving issues and reaching mutual conclusions.
- Developed and maintained strong working relationships with professionals within assigned territory.
- Selected correct products based on customer needs, product specifications and applicable regulations.
- Consulted with businesses to supply accurate product and service information.
- Generated advertising brochure for vendor use.
- Developed, maintained and utilized diverse client base.
- Built diverse and consistent sales portfolio.
- Performed effectively in self-directed work environment, managing day-to-day operations and decisions.
- Served customers with knowledgeable, friendly support at every stage of shopping and purchasing.
- Negotiated prices, terms of sales and service agreements.
- Achieved or exceeded company-defined sales quotas.
- Monitored service after sale and implemented quick and effective problem resolutions.
- Contributed to event marketing, sales and brand promotion.
- Set and achieved company defined sales goals.
- Stayed current on company offerings and industry trends.
- Gained customer trust and confidence by demonstrating compelling, persuasive and composed professional demeanor.
- Increased sales with execution of full sales cycle processing from initial lead processing through conversion and closing.
- Met with customers to discuss and ascertain needs, tailor solutions and close deals.
- Contributed to team objectives in fast-paced environment.
- Presented professional image consistent with company's brand values.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
- Trained new employees on customer service, money handling and organizing strategies.
- Kept detailed records of daily activities through online customer database.
- Worked with sales team to collaboratively reach targets, consistently meeting or exceeding personal quotas.
- Promoted conversion of casual shoppers into customers through product knowledge and product solutions to meet customer needs.
- Built relationships with customers and community to promote long term business growth.
- Informed customers of promotions to increase sales productivity and volume.
- Drove store revenue by offering customers accessories and related purchases to complete selections.
- Greeted customers and offered assistance with selecting merchandise, finding accessories and completing purchases.
- Attended monthly sales meetings and quarterly sales trainings.
- Recorded accurate and efficient records in customer database.
- Met existing customers to review current services and expand sales opportunities.
Logging Department
McLean Mortgage Corporation
07.2016 - 10.2016
- Checked accuracy and completeness of all paperwork.
- Worked with warehouse banks to manage shipment of collateral documents.
- Processed documents for Conventional, FHA and VA loans.
- Checked loan documents for accuracy prior to closing.
- Monitored pipelines to track and log status of loans.
- Handled high-volume paperwork and collaborated with administrators to resolve invoicing and shipping problems.
- Prepared closing and credit documentation for shipping, adhering to packaging protocols.
- Processed required paperwork to expedite handling of shipped and received documents.
- Received packages in from Title, Verified all closing documents.
- Scanned closing packages into Encompass.
- Maintained an average of 15-30 files a day.
- Shred closing packages daily/weekly.
- Organized loan packages filing cabinets alphabetically.
Education
High School Diploma -
Courtland High School
6701 Smith Station Rd, Spotsylvania Courthouse, VA06.2015
Skills
- Financial statement analysis
- Credit
- Cash Handling
- Sales expertise
- Bilingual in Spanish
- Collaboration and Teamwork
- Strong attention to detail
- Mortgage lending
- Financial Services
- Team Player
- Relationship building and management
- Friendly
- Customer service-focused
- Knowledge of bankruptcy processes
- Terms negotiation
- Experian Transact SM
Work references
- Shannon Abravesh- Mortgage Professional (Loan Funder-CMG Financial/ Post closing/shipping Team Lead-McLean Mortgage Corporation)
Phone: 571-246-6887
- Maykol Cardenas - Owner/CEO - Capitol Motors (3 of 8 locations)
Phone: 540-940-7975
- Kelsey Bailes (Loss mitigation specialist- Freddie Mac)
Phone: 703-589-0506
- Brandon Hall - Post closing Manager (McLean Mortgage Corporation)
Phone: 703-587-7881
Personal References
- Mya Navarro- Real estate professional
Phone: 540-702-8882
- Lesly Cardenas- Owner/Funder
Phone: 571-245-3870
Timeline
Loan Funder
Capitol Motors
12.2020 - Current
Assistant Finance Manager
Capitol Motors
01.2020 - 12.2020
Sales Representative Team Leader
Capitol Motors
08.2017 - 12.2019
Logging Department
McLean Mortgage Corporation
07.2016 - 10.2016
High School Diploma -
Courtland High School
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