Karla Corrales
Lending Specialist
Lompoc,CA
Summary
Adept at navigating complex lending regulations and enhancing member relationships, my tenure at COASTHILLS CREDIT UNION showcased my ability to exceed service goals through expert financial counseling and customer service excellence. Leveraging skills in Lending Software Systems and motivational techniques, I consistently improved member retention and financial health. Resourceful Member Service Specialist known for high productivity and efficient task completion. Specialize in customer relationship management, conflict resolution, and data analysis to improve member satisfaction and service delivery. Excel at communication, teamwork, and adaptability, ensuring smooth operations and positive member experiences.
Overview
25
25
years of professional experience
Work History
Member Service Specialist II
GOLDEN 1 CREDIT UNION
Goleta, CA
10.2023 - Current
- Processed cash withdrawals and deposits including checks for accuracy before posting them into the system.
- Researched discrepancies on member accounts and resolved issues promptly and accurately.
- Explained various types of accounts available to customers in order to meet their individual needs.
- Conducted periodic reviews of existing accounts for potential upgrades or changes.
- Created marketing materials for promotional campaigns aimed at increasing membership numbers.
- Ensured compliance with applicable laws and regulations governing financial institutions.
- Provided technical support related to online banking systems as needed.
- Recognized opportunities for process improvements that would lead to increased efficiency in operations.
- Engaged in conversation with customers to understand needs, resolve issues and answer product questions.
- Exceeded established service goals while leveraging customer service, sales and employee management best practices.
Small Business Co-Owner
Quality Overhead Door
Santa Barbara County
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.
Auto Finance Specialist
Credit Union Of Texas
Allen, TX
09.2022 - 07.2023
- Presented members with various product and service options to meet individual needs while staying within member budgets.
- Delivered exceptional customer service to every member by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Reached out to members after completed sales to suggest additional service or product purchases.
- Selected appropriate loan products as related to their financial needs, secured approval, obtained member commitment and finalized delivery.
- Developed and maintained relationships with members.
- Explained very technical financial information to members in easy to understand language.
- Proactively identified solutions for members experiencing credit issues.
- Negotiated loan terms and conditions with members to secure best deal.
- Organized documents necessary for loan applications such as pay stubs and tax returns.
Lending Specialist
Coasthills Credit Union
Santa Maria, CA
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 $1,0000,000.00 in loans per month.
- Participated in training sessions designed to improve knowledge and skills related to lending practices.
- 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.
- Assisted customers in understanding loan terms and conditions.
- Reviewed customer financial information to determine eligibility for loans.
- Researched and resolved discrepancies related to customer accounts in a timely manner.
- Advised customers on the various types of loans available that best meet their individual needs.
- Extensive knowledge of LoansPQ & XA using Meridian Link
Manager on Duty
Marshalls
Lompoc, CA
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
Camarillo, Ca
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
Santa Barbara, CA
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
Some College (No Degree) - Mathematics & Administration of Justice
Allan Hancock College
Santa Maria, CASome College (No Degree) - Accounting And Finance
Ventura College
Ventura, CASkills
- Lending Regulations & Guidelines
- Extensive knowledge & Understanding of Credit Reports for Credit History Interviews
- Creditworthiness Determinations
- Knowledge of Episys, Synergy, Meridian Link, OFAC, Dealertrack, DMV requirements, Salesforce, Jack Henry, ELA
- Member Relationship Management
- Member Retention
- 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
- Customer service excellence
- Professional telephone demeanor
- Customer Retention
Timeline
Member Service Specialist II
GOLDEN 1 CREDIT UNION
10.2023 - Current
Auto Finance Specialist
Credit Union Of Texas
09.2022 - 07.2023
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
Some College (No Degree) - Mathematics & Administration of Justice
Allan Hancock College
Some College (No Degree) - Accounting And Finance
Ventura College
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