LETICIA CLUCK
Las Vegas,NV
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills. Knowledgeable Loan Processor bringing 15 years of experience in banking and financial positions. Highly skilled in working well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Successfully manages high volumes of loan documentation in fast-paced environments with demanding productivity, funding and customer satisfaction targets. Familiar with verifying tax, credit, employment, loan, personal and residential histories. Comfortable working alone or with team members to accomplish tasks and enhance processes.
Highly proficient in Microsoft Office, Excel, and Outlook.
Overview
15
15
years of professional experience
1
1
Certificate
Work History
Cash Management Specialist
Wyndham Destinations
Las Vegas, NV
09.2022 - 11.2022
- Drove solutions to improve payment practices and eliminate repeated delays in payment.
- Analyzed key business metrics to support resource allocation and prioritization.
Customer Service Representative
TTEC Services
Las Vegas, NV
03.2022 - 09.2022
- Answered incoming calls and emails, providing frontline customer support or assistance with product and service transactions.
- Demonstrated excellent communication skills in resolving product and consumer complaints.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Developed strong customer relationships to encourage repeat business.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Promoted high customer satisfaction by resolving problems with knowledgeable and friendly service.
- Maintained knowledge of current promotions, exchange guidelines, payment policies and security practices.
Sr. Mortgage Loan Processor
Loan Depot
Las Vegas, NM
09.2020 - 11.2021
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Managed conditions sent from underwriting departments.
- Contacted outside sources, references and vendors to verify client financial information.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
Credit Analyst
Fifth Third Bank
Las Vegas, NM
07.2020 - 09.2020
- Prepared basic and preliminary credit analyses to determine creditworthiness and compliance.
- Reviewed customer financial data to ascertain level of risk involved for extending credit.
- Reconciled customer accounts to identify delinquencies or disputes, documenting root causes.
- Requested financial documents from customers.
- Monitored and maintained compliance with internal controls and government regulations.
- Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
- Collected and organized loan documents before submission to underwriting.
Mortgage Loan Processor
Axos Bank
Las Vegas, NM
06.2016 - 07.2018
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Managed conditions sent from underwriting departments.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Filed completed packages quickly and efficiently.
- Evaluated and adjusted loan files to meet banking, federal and secondary market regulations.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Completed closing process by collaborating with attorneys, title companies and government clerks.
Mortgage Loan Processor
Proficio Mortgage Ventures
Las Vegas, NV
10.2015 - 06.2016
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Inspected loan documentation for mistakes and corrected discrepancies.
- Contacted outside sources, references and vendors to verify client financial information.
- Filed completed packages quickly and efficiently.
- Upheld compliance with privacy and security requirements, as well as federal statutes covering VA loans.
- Educated clients regarding guidelines and adjustments of loan contracts and packages.
Mortgage Loan Processor
CitiMortgage
Las Vegas, NM
12.2007 - 02.2014
- Submitted detailed loan packages to underwriting department to facilitate approval or denial processes.
- Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval.
- Managed loan application pipeline by completing and submitting reports within allotted turn-around times.
- Contacted outside sources, references and vendors to verify client financial information.
- Managed conditions sent from underwriting departments.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Determined loan eligibility by conducting income analysis, credit checks and repayment ability reviews.
- Created and completed loan submission packages.
Education
High School Diploma -
Huntington Park Senior High School
Huntington Park, CA06.1981
Skills
- Financial analysis and planning
- Cost and budget analysis
- QuickBooks experience
- Planning and coordination
- Friendly, positive attitude
- Flexible schedule
- Risk analysis
- Client relationship management
- Organization
- Great eye for detail
- Quality control
- System troubleshooting
- Precise
- Problem resolution
Certification
- Licensed NMLS - 2010
- #871380
Timeline
Cash Management Specialist
Wyndham Destinations
09.2022 - 11.2022
Customer Service Representative
TTEC Services
03.2022 - 09.2022
Sr. Mortgage Loan Processor
Loan Depot
09.2020 - 11.2021
Credit Analyst
Fifth Third Bank
07.2020 - 09.2020
Mortgage Loan Processor
Axos Bank
06.2016 - 07.2018
Mortgage Loan Processor
Proficio Mortgage Ventures
10.2015 - 06.2016
Mortgage Loan Processor
CitiMortgage
12.2007 - 02.2014
High School Diploma -
Huntington Park Senior High School