Karla Corrales
Summary
Highly skilled Loan Specialist with expertise in reviewing credit histories to help determine credit worthiness. I'm knowledgeable in all loan procedures, offering vast knowledge of banking regulations and compliance procedures. I'm Dedicated to maintaining professionalism and integrity. Very dependable in building customer base and exceeding all goals. Well-versed in loan products and customer engagement strategies. Always keep a positive attitude with everything I do. I love Consumer Lending and passionate about helping clients by getting them into better loans.
Overview
33
33
years of professional experience
Work History
Lending Specialist
Coasthills Credit Union
02.2015 - 08.2022
- Obtained copies of applicants' credit report and reviewed for opportunities to cross sell additional vehicle, personal loans and credit cards.
- 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.
- Assisted clients with improving financial health by counseling on issues such as excessive credit card usage, escalating debt.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Maintained energy and enthusiasm in fast-paced environment.
- Maintained strict confidentiality of bank records and borrowers information.
- Recommended loan approvals and denials based on customer loan application review and interview.
- Complied with regulatory requirements of Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act and Privacy Act.
- Advised applicants on loan products according to need.
- Successfully closed average of 1,000,000.00 in loans per month.
- Developed and maintained relationships with local Auto dealerships.
- Received recognition awards for exceeding expectations..
- Increased loans and earnings by exceeding every goal expected of me.
Small Business Co-Owner
Quality Overhead Door
08.1999 - Current
- Provided exceptional customer service to customers, to maintain company reputation
- Coordinated leadership workshops to educate team members on best practices to optimize productivity.
- Cultivated and strengthened lasting client relationships, both customers and suppliers
- Assisted with marketing strategy creation and advertising initiatives to better promote company to public.
- Vehicle maintenance management.
Manager on Duty
Marshalls
09.2012 - 11.2017
- Responded to customer concerns by providing friendly, knowledgeable support and maintaining composure and professionalism.
- Trained employees in essential job functions.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Helped customers complete purchases, locate items and join reward programs.
- Answered questions about store policies and addressed customer concerns.
- Cash office, reconciling previous day tills and set up new registers prior to store opening.
Gymnastics Director
Coach Patty's School Of Gymnastics
10.2020 - 01.2012
- Inspected equipment and facilities for signs of wear or damage impacting safety.
- Improved recreational programming based on feedback from customers and employees.
- Carried out day-day-day duties accurately and efficiently.
- Demonstrated respect, friendliness and willingness to help wherever needed.
- Hire and train new coaches as needed to maintain a safe student/coach ratio per class while insuring current coaching staff up to date with industry guidelines.
Gymnastics Director
Girls Incorporated Of Greater Santa Barbara
06.2003 - 11.2009
- Assigned work to staff, set schedules and motivated strong performance in key areas.
- Inspected equipment and facilities for signs of wear or damage impacting safety.
- Improved recreational programming based on feedback from customers and employees.
- Quickly learned new skills and applied them to daily tasks, improving efficiency and productivity.
- Carried out day-day-day duties accurately and efficiently.
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to promote safe working environment.
- Maintained energy and enthusiasm in fast-paced environment.
- Oversaw safety requirements, inspection and certification procedures to facilitate annual licensing review.
- Attended professional meetings and conferences to maintain and improve professional competence.
- Implemented school policies, procedures and systems to promote safe and healthy environment in compliance with state standards.
- Monitored students' progress and provided students and teachers with assistance in resolving problems.
- Developed budget for center and established controls to adhere to budget.
- Upheld sound financial principles to keep program operating within budget levels, maximizing resource utilization while minimizing costs.
- Hired and mentored well-qualified job applicants for teaching and support staff roles, boosting program success in less than a year
Education
No Degree - Accounting And Finance
Ventura College
Ventura, CANo Degree - Accounting And Business Management
Moorpark College
Moorpark, CASkills
- Lending Regulations & Guidelines
- Extensive knowledge & Understanding of Credit Reports for Credit History Interviews
- Creditworthiness Determinations
- Knowledge of Episys, Synergy, Meridian Link, OFAC, Dealertrack and DMV requirements
- Knowledge of Bank Services and Products,
- knowledge of Ancillary Products
- Extensive Knowledge of Vehicles and Industry Trends
- Lending Software Systems
- Active Listening and Learning
- Financial Counseling
- Motivational Techniques
Hobbies
On our off time, My husband and I enjoy our collection of vehicles. We are often seen out with various car clubs on road trips and fundraisers.
Timeline
Gymnastics Director
Coach Patty's School Of Gymnastics
10.2020 - 01.2012
Lending Specialist
Coasthills Credit Union
02.2015 - 08.2022
Manager on Duty
Marshalls
09.2012 - 11.2017
Gymnastics Director
Girls Incorporated Of Greater Santa Barbara
06.2003 - 11.2009
Small Business Co-Owner
Quality Overhead Door
08.1999 - Current
No Degree - Accounting And Finance
Ventura College
No Degree - Accounting And Business Management
Moorpark College
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