Kelly Hernandez
Lending Assistant I Back Up Supervisor
McAllen,TX
Summary
Organized Loan Officer Assistant bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures, business correspondence and recordkeeping. Skilled at keeping all paperwork orderly and properly transferred. Assistant Officer provides backup for primary officer and deliver consistency and continuity of operations. Manage and direct programs assigned while carrying out supervision and investigatory processes. Proven to provide technical support to expedite programs and resolve problems. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. Driven finance and banking professional effective at maximizing customer service opportunities while exceeding individual performance goals. Community reputation for industry knowledge and high levels of integrity in loan processing. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
11
11
years of professional experience
11
11
years of post-secondary education
Work History
Commercial Lending Assistant
Falcon International Bank
McAllen, TX
03.2019 - Current
- Analyzed and underwrote requests for new loans and loan renewals.
- Managed assigned loan portfolio for retention, growth and credit.
- Embraced growth and excellence-oriented atmosphere to support bank-wide initiatives.
- Supported complete and accurate loan file documentation.
- Communicated with customers daily to request information and complete paperwork.
- Documented borrower's information in loan processing system and resolved any discrepancies.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Supported loan processing by compiling applicant documentation such as credit reports, employment verifications and financial history paperwork.
- Set up files using loan officer checklist and submitted on-time for processing.
- Monitored key dates to obtain information by deadlines.
- Assembled important paperwork and disclosures for borrower.
- Assisted with timely loan closing and funding activities with efficient management of task checklists.
- Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Liaised with clients to guide through loan closing process and skillfully handle any concerns.
- Maintained referral pipeline by reaching out regularly to real estate agents, referral partners and past clients.
Supervisor of Operations
Falcon International Bank
McAllen, TX
01.2018 - Current
- Implemented process improvement to shape organizational culture, optimize procedures for higher efficiency and help company evolve and grow.
- Established positive and effective communication among unit staff and organization leadership, reducing miscommunications and missed deadlines.
- Reduced process bottlenecks by training and coaching employees on practices, procedures and performance strategies.
- Identified and resolved unauthorized, unsafe or ineffective practices.
Financial Representative
Falcon International Bank
McAllen, TX
01.2017 - 01.2018
- Worked closely with clients to determine goals and recommend appropriate services to maintain long-term relationships with account holders.
- Met with customers to assess needs, financial status and eligibility.
- Managed finances and overall business direction through solutions-oriented problem-solving.
- Worked with clients with life, long-term care or disability insurance accounts to increase profitability and account longevity.
- Created and implemented business and marketing plans to drive growth.
- Received customer applications and followed up with clients to obtain missing information before submission.
- Handled incoming payments and outgoing disbursements.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Responded to customer questions and concerns or escalated to supervisor for resolution.
- Conducted research to answer questions and handle issues using multiple systems and resources.
- Collaborated with clients to maintain relationships and provide customers with thorough support and guidance.
- Maintained regular contact with clients to inform about transactions and performance.
- Drove sales by following up with leads and new customers through outbound calls.
- Offered competitive commercial banking solutions and retail financing options.
- Met with members to understand goals and recommend solutions to fit specific needs.
- Contacted prospective customers to present service options and explain details.
Head Bank Teller
Falcon International Bank
McAllen, TX
08.2016 - 01.2017
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Educated customers on use of banking website and mobile apps.
- Processed customer transactions promptly, minimizing wait times.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Recognized needs and referred to appropriate representative or line of business for cross-sell or service opportunities.
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Stocked supplies for customers and personal teller station.
- Maintained friendly and professional customer interactions.
- Counted, verified and handled bank deposits and armored car transactions.
- Executed wire transfers, stop payments and account transfers.
- Handled various accounting transactions.
- Calculated fees due, interest and change for customer transactions.
- Received loan and utility payments, sending funds to correct destinations.
- Established rapport with new clients to increase satisfaction and loyalty.
- Offered friendly and efficient service to customers, handled challenging situations with ease.
- Created plans and communicated deadlines to complete projects on time.
Front Desk Receptionist
Golds Gym Finest Center
McAllen, TX
02.2015 - 07.2016
- Answered multi-line phone system to respond to inquiries and transfer calls to correct departments and personnel.
- Greeted guests at front desk and engaged in pleasant conversations while managing check-in process.
- Maintained files and records by implementing effective filing systems that boosted efficiency and organization.
- Resolved customer issues quickly and notified supervisor immediately when problems escalated.
- Transcribed phone messages and relayed to appropriate personnel.
- Confirmed important personal and payment information for compliance with security and payment card industry standards.
- Trained new team members on company procedures, customer service and issue resolution.
- Used internal software to process reservations, check-ins and check-outs.
- Introduced customers to resort amenities with pleasant and helpful demeanor.
Education
Bachelor of Science - Civil Engineering
The University of Texas Rio Grande Valley
Edinburg, TX 01.2019 - Current
Associate of Science - Civil Engineering
South Texas College
Mcallen, TX 01.2014 - 12.2016
High School Diploma -
Mcallen High School
Mcallen, TX 01.2009 - 05.2013
Skills
Loans
Timeline
Commercial Lending Assistant
Falcon International Bank
03.2019 - Current
Bachelor of Science - Civil Engineering
The University of Texas Rio Grande Valley
01.2019 - Current
Supervisor of Operations
Falcon International Bank
01.2018 - Current
Financial Representative
Falcon International Bank
01.2017 - 01.2018
Head Bank Teller
Falcon International Bank
08.2016 - 01.2017
Front Desk Receptionist
Golds Gym Finest Center
02.2015 - 07.2016
Associate of Science - Civil Engineering
South Texas College
01.2014 - 12.2016
High School Diploma -
Mcallen High School
01.2009 - 05.2013
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