Karen Gaitan
Forney,TX
Summary
Bilingual Loan Specialist offering 5+ years of expertise in loan application processing and payment negotiation. Excellent track record of explaining complex financial information in simplified terms to foster customer comprehension.
Overview
13
13
years of professional experience
Work History
Loan Specialist
Small Business Administration
01.2020 - Current
- Reduced turnaround time for loan approvals by efficiently managing workload and prioritizing tasks.
- Collaborated with underwriters to ensure accurate evaluation of creditworthiness and risk assessment.
- Spread and analyze borrower’s financial statements, tax returns, credit reports and/ or business enterprises to determine compliance with loan terms and condition
- Monitored pipelines to track and log status of loans.
- Streamlined internal processes by implementing innovative software solutions for better efficiency in loan management systems.
Lead Vault Teller
Wells Fargo Bank
08.2016 - 01.2020
- Processed cash withdrawals, payments, and deposits for the heaviest traffic volume branch in the United States
- Assisted in reducing discrepancies by accurately recording cash transactions and preparing daily reports.
- Performed vault, alarm and door duties to facilitate opening and closing of operations.
- Investigated staff out-of-balance conditions and instituted corrective procedures.
- Assisted in training new employees on cash vault procedures, contributing to a knowledgeable workforce that could handle increased transaction volume.
Bond Specialist /Debt Collection Specialist
Apodaca Bail Bonds
09.2015 - 04.2019
- Leveraged strong negotiation skills to secure favorable settlements on forfeited bonds, minimizing financial impact to our agency.
- Utilized advanced skip tracing techniques to locate individuals who failed to meet their obligations under the terms of their bonds, minimizing losses incurred by our agency.
- Negotiated payment plans with customers, prioritizing account resolution and maintaining professionalism throughout interactions.
- Notified co-signers of delinquent accounts to assist in collecting payments.
Store Manager / Loan Officer
Benny's Enterprise
09.2011 - 09.2015
- Maintained proper product levels and inventory controls for merchandise and organized backroom to facilitate effective ordering and stock rotation.
- Assisted with hiring, training and mentoring new staff members.
- Managed inventory control, cash control, and store opening and closing procedures.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Education
Bachelor of Science - Correctional Program Support Services
University of Phoenix
Phoenix, Arizona11.2023
Skills
- Income Evaluation
- Creditworthiness Determination
- Database Management
- Corporate Financial Statements
- Proficient in 10-key
- Money handling abilities
- MS Office
- Financial History Analysis
- Attorney communication
- Collections Management
Accomplishments
- 20 Time On the Watch fraud prevention award recipient
- Wells Fargo STAR Performer nominee
- WOW Customer Service recognition
- Employee Spotlight
Community Service
- Citizen Police Academy
- Humane Society Clean Up Program
- Rescue Mission of El Paso Volunteer
- Junior Achievement spokesperson
Languages
Spanish
Native or Bilingual
Timeline
Loan Specialist
Small Business Administration
01.2020 - Current
Lead Vault Teller
Wells Fargo Bank
08.2016 - 01.2020
Bond Specialist /Debt Collection Specialist
Apodaca Bail Bonds
09.2015 - 04.2019
Store Manager / Loan Officer
Benny's Enterprise
09.2011 - 09.2015
Bachelor of Science - Correctional Program Support Services
University of Phoenix
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