Summary
Overview
Work History
Education
Skills
Timeline
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KIMIKO ESQUIBEL

Fort Gibson,OK

Summary

Proven Loan Officer at Muskogee Federal Credit Union, adept in database management and relationship building, significantly enhancing customer satisfaction through expert financial advising and efficient loan servicing. Excelled in credit analysis, achieving high levels of client trust and compliance. Skilled in crafting tailored solutions that drive positive outcomes, demonstrating a strong commitment to service quality and consumer lending success. Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service. Driven Loan Officer with track record in mortgage and home lending product sales. Demonstrating strong interpersonal skills and exceptional service throughout sales process. Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level Loan officer position. Ready to help team achieve company goals. Talented loan officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 8 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.

Overview

9
9
years of professional experience

Work History

LOAN OFFICER

MUSKOGEE FEDERAL CREDIT UNION
01.2022 - Current
  • Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
  • Maintained strict confidentiality of bank records and client information.
  • Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
  • Submitted loan applications to underwriter for verification and recommendations.
  • Developed strong relationships with customers through high levels of customer service.
  • Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
  • Meticulously reviewed applicant documentation, ensuring accuracy and completeness prior to submission for underwriting approval.
  • Examined customer loan applications for loan approvals and denials.

COLLECTION OFFICER

OKLAHOMA COMMUNITY CREDIT UNION
07.2017 - 12.2021
  • Implemented timely escalation procedures when necessary, ensuring prompt attention is given to high-risk accounts.
  • Partnered with credit departments to review accounts for accuracy and potential adjustments, optimizing billing processes.
  • Analyzed trends in account performance data to identify areas requiring intervention or improvement opportunities.
  • Maintained detailed records of customer interactions, ensuring accurate documentation and compliance with regulations.
  • Educated customers on credit policies and potential consequences of non-payment, promoting responsible financial behavior.
  • Contacted delinquent members by phone, email and mail to determine reasons for delinquency.
  • Conducted thorough investigations to locate hard-to-find debtors, leading to successful recoveries.
  • Participated in continuous professional development opportunities, staying current on industry best practices related to collections and debt recovery.
  • Developed customized payment plans tailored to individual financial situations, increasing likelihood of repayment.
  • Utilized sharp research skills to track down delinquent account information.
  • Improved debtor relations through effective dispute resolution strategies, cultivating trust among clients and colleagues alike.
  • Documented all daily collections and delinquent account activities by uploading information to company's database.
  • Developed and documented collection procedures and policies to comply with government regulations.
  • Prepared and submitted legal documents to initiate court proceedings.

Pharmacy Technician

Razooks Drug
04.2015 - 06.2017
  • Answered incoming phone calls and addressed questions from customers and healthcare providers.
  • Stocked, labeled, and inventoried medication to keep accurate records.
  • Enhanced pharmacy workflow by assisting pharmacists with medication dispensing, labeling, and packaging.
  • Calculated dosage, filled prescriptions, and prepared prescription labels with absolute accuracy.
  • Promoted patient confidentiality by adhering to HIPAA regulations when handling personal information during transactions.
  • Solved customer problems in-person or over telephone by providing assistance with placing orders, navigating systems, and locating items.
  • Counted and labeled prescriptions with correct item and quantity.
  • Assisted in maintaining a clean and organized work environment, ensuring compliance with safety regulations.
  • Increased overall pharmacy productivity by restocking supplies, organizing shelves, and maintaining cleanliness according to standards.
  • Performed wide range of pharmacy operations with strong commitment to accuracy, efficiency and service quality.

Education

SCIENCE

DODGE CITY COMMUNITY COLLEGE
Dodge City
05.2013

Skills

  • Database Management
  • Documentation Review
  • Relationship building and management
  • Sales expertise
  • Financial Advising
  • Client Relations
  • Credit analysis
  • Customer service-focused
  • Loan Servicing
  • Consumer Lending

Timeline

LOAN OFFICER

MUSKOGEE FEDERAL CREDIT UNION
01.2022 - Current

COLLECTION OFFICER

OKLAHOMA COMMUNITY CREDIT UNION
07.2017 - 12.2021

Pharmacy Technician

Razooks Drug
04.2015 - 06.2017

SCIENCE

DODGE CITY COMMUNITY COLLEGE
KIMIKO ESQUIBEL