Karina Aguilar
San Marcos,CA
Summary
Dedicated administrative professional with successful experience in fast-paced office settings, with a proven ability to quickly adapt to new environments. Hardworking team player with expertise in completing various clerical tasks and offering staff support. Brings positive attitude and commitment to continuous learning and growth.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Indirect Consumer Lending Underwriter 1
San Diego County Credit Union
08.2021 - Current
- Analyze and evaluate routine loan requests including application information, credit bureau reports, collateral evaluation, account information, and any other internal or external data/documentation pertinent to making decision in compliance with underwriting, processing policies and guidelines
- Keep current with knowledge of the credit union lending updates, criteria, guidelines, procedures, policies, and processes in order to make sound lending decisions
- Work within authority limits
- Develop and maintain business relationships with dealer partners through open and professional communication while consistently providing expected levels of service
- Exceeding established targets/business metrics with regard to decision turn time, volume, service, quality and loan performance
- Participate in AML/BSA compliance training as assigned
- Adhere to credit union AML/BSA policy and procedures including CTR rules and form preparation identify and refer suspicions activity to the Compliance Department, perform OFAC comparisons, and properly identify individuals in accordance with Branch Operations Procedures
Consumer Lending Specialist
San Diego County Credit Union
01.2019 - 08.2021
- Proven track record to successfully manage high volume of loan applications while maintaining highest sales numbers in department
- Efficiently and accurately process loan applications by analyzing application information, credit bureau reports, collateral evaluation, account information and any other internal or external data/documentation
- Exceptional communication and customer service skills used to develop and maintain business relations with members
- Maintain current knowledge of, and adhere to, credit union regulations and policies
Consumer Loan Agent
Frontwave Credit Union
01.2016 - 01.2019
- Work with members to identify their financial goals and find ways of reaching those goals by fitting them with appropriate credit union products and services
- Verify and examine accuracy of loan applications and authenticity of all documents required/received in order to fund applications
- Maintain current knowledge and adhere to credit union policy and procedures
- Resolve customer complaints through research and investigation
Customer Service Sales Representative
T-Mobile
08.2008 - 05.2013
- Engaged with customers and used consultative techniques to determine needs and discuss available product options
- Maintain knowledge of current sales and promotions, policies regarding payment and exchanges, and security practices
- Followed up consistently to connect with prospective customers and convert leads into sales
- Approach service and sales needs with patience, honesty and empathy
- Open and close cash registers, performing tasks such as counting money, separating charge slips, coupons and vouchers, balancing cash drawers and making deposits
Dental Hygienist
US Army
08.2002 - 08.2010
Front Desk Receptionist
Dr. Brendan Donoghue, DDS
01.2007 - 08.2008
- Increased guest retention by maintaining a welcoming and organized reception area.
- Maintained organized and clean front office area to create professional and welcoming environment for visitors and employees.
- Scheduled appointments accurately using reservation software, reducing conflicts or doublebookings.
- Processed medical insurance claims and payments.
- Adhered to strict HIPAA guidelines to protect patient privacy.
- Facilitated clear communication between dentists, dental assistants, and patients to ensure optimal care coordination.
Lead Teller-Back Up Operations Manager
Citibank
08.2004 - 07.2008
- Recognized as top seller in region by networking around the local area to identify and capture new business opportunities and achieving 200% of sales quota
- Helped organize community events to strengthen professional network and expose public to useful financial information
- Monitor bank vaults to ensure cash balances are correct
- Resolve problems or discrepancies concerning customer accounts
- Supervise teller line that processes a variety of teller transactions
- Accelerated team sales by providing on the job coaching and ongoing mentorship to boost teller confidence
Education
Bachelor of Science - Psychology
University of Phoenix
San Marcos, CA06.2014
Associate of Science - Mathematics
Palomar Community College
San Marcos, CA01-2011
Skills
- Excellent multitasking capability
- Appointment scheduling
- Phone and email etiquette
- Proficiency in Microsoft Office: Excel, Power Point, Word, Outlook
- Exceptional customer service
Certification
Intermediate Excel Certificate, 10/2021, Mira Costa College
Timeline
Indirect Consumer Lending Underwriter 1
San Diego County Credit Union
08.2021 - Current
Consumer Lending Specialist
San Diego County Credit Union
01.2019 - 08.2021
Consumer Loan Agent
Frontwave Credit Union
01.2016 - 01.2019
Customer Service Sales Representative
T-Mobile
08.2008 - 05.2013
Front Desk Receptionist
Dr. Brendan Donoghue, DDS
01.2007 - 08.2008
Lead Teller-Back Up Operations Manager
Citibank
08.2004 - 07.2008
Dental Hygienist
US Army
08.2002 - 08.2010
Intermediate Excel Certificate, 10/2021, Mira Costa College
Bachelor of Science - Psychology
University of Phoenix
Associate of Science - Mathematics
Palomar Community College
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