Kyara Gonzalez
Miami,FL
Summary
Senior Analyst with over a decade of experience in financial services and 15+ years of customer service, excelling in analytical skills and risk mitigation. Fueled by a passion to help others by enhancing client satisfaction through strategic partnerships and tailored solutions, while optimizing operational efficiency and ensuring compliance with lending regulations. Committed to creating a positive and collaborative atmosphere while driving innovative strategies and fostering trust among our clients. Seeking a challenging role where I can leverage my expertise to drive business growth and improve portfolio performance.
Overview
11
11
years of professional experience
Work History
Senior Analyst, Loan Operations
Northern Trust
11.2023 - Current
- Process and manage booking and servicing mortgage, commercial, and personal loans, including letters of credit and specialized transactions for our high-value specialty clients group
- Review and analyze complex loan structures and resolve operational and technical issues impacting processing timelines
- Resolve complex issues and lead a team to meet loan requests, projects, process deliverables while leveraging solid understanding of policies, procedures and compliance requirements
- Developed and implemented procedures and controls for Bilateral & Syndicated Loan Operations team, preparing documentation for SOX testing and internal/external audits while auditing existing loan files
- Facilitated process improvement discussions, contributing to operational efficiency initiatives and enhancing team collaboration
- Acted as subject matter expert (SME) and mentored junior partners, fostering knowledge sharing and skill development
Senior Loan Processor
Wells Fargo Bank
04.2020 - 08.2023
- Manage and service Mortgage and Commercial Loans including reviewing related documentation, communicating with parties on identified issues, and monitoring approvals and loan milestones from initial submission until disbursement/closure
- Exercise independent judgment while developing expertise in the function, policies, procedures and compliance requirements for loan approval documents
- Collaborate and consult with functional colleagues, internal partners, including internal and external customers
- Participate in complex initiatives and identify opportunity for process improvements for timely processing of all incoming home lending within Transactions and Processing
- Submit loan file to underwriting for review and ensure all compliance and underwriting guidelines are met
Sr Personal Banker
Wells Fargo Bank
03.2018 - 04.2020
- Resolve and work through escalated and complex issues while demonstrating care and building relationships
- Participate in delivery of exceptional customer experience by building relationships through proactive outreach as well as proposing appropriate products, services and digital solutions to help customers succeed financially
- Assist customers with opening new accounts, completing service requests and submitting/reviewing credit applications
- Connected customers with appropriate bankers and partners for their financial needs.
- Provided support and training to less experienced bankers to enhance their performance
Lead Teller / Teller
Wells Fargo Bank
08.2015 - 03.2018
- Coached tellers to prepare for monthly and yearly district audits, ensuring compliance and operational readiness.
- Oversaw staff and operations during managerial absence, maintaining service quality and team cohesion.
- Complete operational activities while minimizing risks under established policies
- Performed routine transactional, operational, and customer support tasks using knowledge of bank procedures and products.
- Identified customer needs and recommended appropriate services, enhancing customer satisfaction and engagement.
- Support customer engagement by processing transactions, sharing digital solutions & making appropriate introductions to bankers
Education
Associate Degree -
Phoenix College
05-2017
High School Diploma -
Washington High School
05-2014
Skills
- Microsoft Office
- Pipeline Management (CORE)
- ACBS
- EDM
- IBS
- FIS
- Treasury Passport
- Loan Processing & Documentation
- Fraud Prevention
- Credit Analysis Support
- Escalation Management
- Process Improvement
- Client Relations
- Mortgage & Commercial Loans
- Client Retention
- Data Analysis
- Performance Metrics
- Compliance & Risk Mitigation
- Tableau
Timeline
Senior Analyst, Loan Operations
Northern Trust
11.2023 - Current
Senior Loan Processor
Wells Fargo Bank
04.2020 - 08.2023
Sr Personal Banker
Wells Fargo Bank
03.2018 - 04.2020
Lead Teller / Teller
Wells Fargo Bank
08.2015 - 03.2018
Associate Degree -
Phoenix College
High School Diploma -
Washington High School