Summary
Overview
Work History
Education
Skills
Timeline
Generic

Lorena Chavez

Sacramento,CA

Summary

Accomplished Financial Auditor polished in experience conducting comprehensive audits, ensuring financial accuracy, and improving internal controls. Expertise in evaluating creditworthiness, assessing financial risks, and recommending the most appropriate loan products. Focuses on delivering high-quality results and producing exceptional work.

Overview

8
8
years of professional experience

Work History

Quality Control Analyst

Good Leap
Roseville, CA
01.2024 - Current
  • Check that all required signatures, dates, and terms are clearly indicated, and properly executed.
  • Ensure that the loan terms include clear provisions for handling defaults or delinquencies, and that penalties and interest on late payments are appropriately documented.
  • Report any instances of non-compliance with internal policies or external regulations, and recommend corrective actions to ensure future contracts meet quality assurance standards.
  • Ensure that all contracts are complete, with no missing or ambiguous information.
  • Review the different types of loan contracts, such as personal, auto, or mortgage loans, and identify key clauses, like loan amounts, interest rates, terms, fees, payment schedules, and default terms.
  • Reviewed and evaluated contractual documents to ensure compliance with applicable laws, regulations, and company policies.
  • Cross-check loan details with other internal records or systems on the loan application and credit check report.

Quality Assurance

WESTCARE
Sacramento, CA
09.2022 - 01.2024
  • Create and maintain a set of standard operating procedures (SOPs) that all case managers should follow. This includes intake processes, documentation requirements, assessment protocols, and case closure procedures.
  • Ensure case managers are conducting thorough assessments to understand the unique needs of each client, including health, financial, and social factors.
  • Check that care plans are personalized, realistic, and comprehensive, addressing the client’s needs, and setting clear goals.
  • Monitored production processes to ensure quality standards were met and documented results of inspections.
  • Create actionable corrective plans.
  • Prepare detailed reports and documentation of inspection findings, including recommendations and timelines for remediation.

FINANCIAL OFFICER

CAHP CREDIT UNION
Sacramento, CA
09.2021 - 09.2022
  • Perform detailed credit analysis, including reviewing credit reports, income documentation, and debt-to-income ratios, to determine loan eligibility.
  • Ensuring compliance with applicable laws and regulations related to finance.
  • Verify and input wire transfer details, including sender and recipient information, amounts, and currency, while reviewing transaction requests for potential errors or fraud.
  • Managed incoming and outgoing wire transfers, ensuring all data entry was correct, and that transactions were executed according to deadlines.
  • Prepare and explain loan documentation, ensuring clients understand loan terms, payment schedules, and other key details.
  • Advise clients on loan options, helping them select the most suitable product based on their financial needs, and goals.

MSR LEAD III BANKER

SchoolsFirst FCU
Sacramento, CA
12.2016 - 09.2021
  • Conducted regular audits and reconciliations to ensure the accuracy of vault records, ensuring the vault complied.
  • Assisted in maintaining cash inventory, replenishing drawers, and ensuring sufficient cash levels for day-to-day transactions.
  • Performed daily reconciliation of bank accounts to ensure the accuracy of records.
  • Supervise cashiers and tellers, providing guidance on cash-handling procedures, and ensuring adherence to company policies and regulatory requirements.
  • Train new staff on cash handling, transaction procedures, and compliance with banking regulations.
  • Open and close the bank branch, following strict procedures to ensure the safety and security of assets and funds.
  • Contributed to the smooth operation of the branch by adhering to policies, maintaining a high level of accuracy, and resolving customer inquiries.
  • Advised customers on various banking products and services, such as loans, investments, and credit cards.

Education

High School Diploma -

Visions In Education
Carmichael, CA
06-2012

Skills

  • Leadership skills
  • Adaptable to changing conditions
  • Quality Assurance Evaluation
  • Internal Controls
  • Compliance standards
  • Regulatory Compliance
  • Audit reporting
  • Annual reports
  • Quality assurance standards
  • Quality focus
  • Monitor work quality
  • NMLS Certified

Timeline

Quality Control Analyst

Good Leap
01.2024 - Current

Quality Assurance

WESTCARE
09.2022 - 01.2024

FINANCIAL OFFICER

CAHP CREDIT UNION
09.2021 - 09.2022

MSR LEAD III BANKER

SchoolsFirst FCU
12.2016 - 09.2021

High School Diploma -

Visions In Education

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Lorena Chavez