Louise Cruz
Dallas,TX
Summary
Results-driven Auto Finance Funding & Processing Specialist with extensive experience managing high-volume consumer loan portfolios. Skilled in contract auditing, fraud mitigation, and complex income calculations. Demonstrates ability to enhance turnaround times and ensure strict regulatory compliance while fostering strong dealership partnerships.
Overview
16
16
years of professional experience
Work History
PROCESSOR
Ugrade Inc
Southlake, TX
05.2024 - Current
·Audited automotive contract packages to identify processing discrepancies, verify stipulations, and maintain portfolio data integrity.
Conducted complex verification processes for employment, income calculations, insurance coverage, and residency.
Collaborated daily with auto dealers, underwriting squads, and customers via inbound and outbound channels to systematically resolve deal friction.
Indirect Senior Loan Processor
Ironhorse Funding
03.2023 - 11.2023
- Customer Support: Managed high-volume daily communications with external applicants, business partners, and clients to resolve complex issues, ensuring timely processing of applications.
- Data & Systems: Utilized internal database systems to enter, update, track, and review sensitive financial application data with zero errors.
- Compliance: Maintained strict security protocols while handling highly sensitive personal data, ensuring compliance with strict company and regulatory guidelines.
- Task Management: Prioritized and coordinated multiple incoming requests in fast-paced environment, consistently meeting strict turnaround deadlines.
Loan Processor
Solera Auto Finance
09.2022 - 01.2023
- Inbound Call Care: Managed high volume of inbound calls, addressing policy and process questions with professionalism and clarity.
- System Accuracy: Recorded interaction histories and entered verified customer records into secure internal tracking systems to ensure data integrity.
- Verification & Research: Performed thorough verification checks on employment, income, and insurance by liaising with various third parties.
- System Accuracy: Logged detailed interaction histories and inputted verified customer records into secure internal tracking systems.
Lease Funding Analyst
Drivrz Financial
08.2021 - 09.2022
- Cross-Party Communication: Facilitated daily communication by phone and email with HR departments, insurance representatives, applicants, and dealers, ensuring confidentiality and security of sensitive information.
- Advanced Verification Systems: Utilized specialized data platforms, including Equifax and LexisNexis, to execute identity verification and fraud prevention protocols.
- File Management: Conducted audits of contracts and client files to ensure compliance with corporate policy and legal regulations.
- Problem Solving: Analyzed system alerts and documentation errors to identify and resolve processing bottlenecks, expediting transaction completion.
Loan Specialist
Exeter Finance
11.2014 - 07.2020
- High-Volume Support: Provided daily support in high-volume, performance-driven environment to clear applicant files and resolve issues, enhancing overall processing efficiency.
- Database Entry: Entered application data into computer systems, ensuring accuracy and speed, contributing to effective data management.
- Executed security measures to identify potential fraud risks: Acted as a line of defense against fraud by analyzing documentation patterns and safely escalating red flags to management.
Funding Specialist
GM Financial
04.2011 - 11.2014
- Relationship Building: Coordinated and finalized transactions by delivering timely, professional service to consumers and internal credit centers.
- Verification Operations: Handled verification calls to confirm critical employment and insurance details, strictly adhering to caller privacy guidelines.
- Record Keeping: Maintained digital logs and records, ensuring final transactions remained transparent, searchable, and audit-ready.
Education
Certificate - Medical Billing & Coding
Concorde Institute
Dallas01-2007
High School Diploma - undefined
Dallas Independent School District (DISD)
Dallas01-2005
Skills
- Software & Systems: Microsoft Office (Word, Excel, Outlook), Database management, CRM platforms
- Verification Tools: Equifax, LexisNexis, Verification portals
- Office Skills: Data entry, Document management, Internet Research
- Verification Tools: Equifax, LexisNexis, Third-Party Verification Portals
- Document analysis
- Data entry
- Data processing
- Deadline management
- Processing procedures
- Process management
- Financial analysis
- Income evaluation
- Contract management
- Information verification
- Microsoft Office
- Numeric data entry
- Income assessment
- Decision analysis
Timeline
PROCESSOR
Ugrade Inc
05.2024 - Current
Indirect Senior Loan Processor
Ironhorse Funding
03.2023 - 11.2023
Loan Processor
Solera Auto Finance
09.2022 - 01.2023
Lease Funding Analyst
Drivrz Financial
08.2021 - 09.2022
Loan Specialist
Exeter Finance
11.2014 - 07.2020
Funding Specialist
GM Financial
04.2011 - 11.2014
High School Diploma - undefined
Dallas Independent School District (DISD)
Certificate - Medical Billing & Coding
Concorde Institute