LAURA JUAREZ
SALINAS,USA
Summary
Seasoned Auto Lending Consultant from Central Coast Federal Credit Union, adept in loan origination and risk assessment, with a bilingual proficiency in Spanish and English. Excelled in customer retention and relationship management, leveraging expert team collaboration skills to enhance business development. Demonstrates a proven track record of improving loan processing efficiency and customer satisfaction.
Overview
29
29
years of professional experience
1
1
Certification
Work History
Auto Lending Consultant
Central Coast Federal Credit Union
Seaside, CA
08.2014 - 03.2024
- Participated in community events to promote bank's consumer lending services.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Collaborated with company teams to expedite loan approval processes.
- Provided customer service support throughout the entire process from application through closing.
- Reviewed loan agreements to confirm completeness and accuracy.
- Managed pipeline for originated loans through closing and complete required management reports.
- Analyzed applicants' financial status and credit and property evaluation to determine feasibility of granting loan.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
Consumer Loan Officer
Bay Federal Credit Union
Capitola, CA
07.1999 - 08.2014
- Assisted in training new employees on the proper handling of consumer loans.
- Verified client financial information to determine creditworthiness and loan eligibility.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Reviewed loan applications for accuracy and completeness.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Maximized company profitability with appropriate pricing of new loan originations, fee income and selling of products and services.
- Recommended loan approvals and denials based on customer loan application reviews.
- Answered multi-line telephone system and routed calls to appropriate personnel.
Claims Clerk
Santa County Health Options
Santa Cruz , CA
05.1995 - 07.1999
- Maintained accurate records of all claims activities in accordance with company policies.
- Communicated with customers via phone and email to answer inquiries, provide updates, and resolve issues related to claims processing.
- Updated claim files and documented actions taken in a clear and concise manner.
- Oversaw staff correspondence, record tracking and data communications, resulting in improved automation of office operations.
Education
GENERAL -
Cabrillo College
Aptos, CA10.1994
HIGH SCHOOL DIPLOMA -
Renaissance High School
Watsonville, CA05.1992
Skills
- Customer Service (Expert), Team Collaboration (Expert), Customer Retention, Business Development, Loan Origination
- Risk Assessment
- Bilingual in both Spanish and English
- Collections proficiency
- Relationship building and management
- Client relations
References
REFERENCES Sue Ali, Drive It Inc. (sueali@yahoo.com, 3236054626); Louise Lauesen , Wescom Credit Union (llauesen@att.net, 8318181752); Maria Aguirre, Wescom Credit Union (incaprinzess@sbcglobal.net, 8316017812); Junior Othman, The Auto Store (theautostoreca.com, 8313139554); Manny Escarcega, Bay Federal Credit Union (escarcga21@aol.com
Interests
HOBBIES , I love to spend time with my husband & our two daughters. My youngest daughter plays basketball on a competitive level & I love to travel with her and watch her play. COURSES ADVANCED INDIRECT LENDING Nov 2017 - Dec 2017 University Of Lending
Languages
Additional Information
- Proposed and implemented new filing system, enhancing data retrieval efficiency. Analyzed financial data to determine loan eligibility. Implemented new risk assessment techniques, leading to a notable decrease in default rates. Streamlined loan approval process, significantly decreasing turnaround time while maintaining rigorous eligibility standards and customer satisfaction. Streamlined auto loan processes, reducing approval time and boosting customer satisfaction. Implemented data-driven strategies to enhance portfolio performance. Fostered strong relationships with dealerships, increasing loan referrals. Mentored junior team members, improving overall department efficiency. Provided personalized financial guidance to members, helping them make informed decisions. Resolved complex loan issues, ensuring high customer retention.
Affiliations
Love spending time with my husband and our two daughters; my youngest daughter plays basketball at a competitive level, and I love to travel with her and watch her play.
Accomplishments
Received the top funder award from Bay Federal for 2012 & 2013
Certification
Graduated from the University of Lending (Rex Johnson) in Advance Indirect Lending
Timeline
Auto Lending Consultant
Central Coast Federal Credit Union
08.2014 - 03.2024
Consumer Loan Officer
Bay Federal Credit Union
07.1999 - 08.2014
Claims Clerk
Santa County Health Options
05.1995 - 07.1999
Graduated from the University of Lending (Rex Johnson) in Advance Indirect Lending
GENERAL -
Cabrillo College
HIGH SCHOOL DIPLOMA -
Renaissance High School
Similar Profiles
Jessica GonzalezJessica Gonzalez
Lead Teller at Gold Coast Federal Credit UnionLead Teller at Gold Coast Federal Credit Union
Sabrina SarmientoSabrina Sarmiento
FSR III at SeaWest Coast Guard Federal Credit UnionFSR III at SeaWest Coast Guard Federal Credit Union
Trevor WoodardTrevor Woodard
Loan Officer, Loan Rep, and Sr. Loan Rep. at Coast Central Credit UnionLoan Officer, Loan Rep, and Sr. Loan Rep. at Coast Central Credit Union