Luz Elena Garcia
Tulsa,OK
Summary
Bilingual professional with expertise in branch operations and loan processing. Proven ability in decision-making, teamwork, and maintaining attention to detail in fast-paced environments.
Overview
2027
2027
years of professional experience
Work History
Owner of Welding Company
C&E Welding Services
Tulsa, OK
01.2016 - Current
- Project job recruiter (finding new projects).
- Keeping contact with builders, contractors, and architects about current and new projects.
- Setting up and attending all meetings.
- Checking on all metal material pricing and comparing with all of our vendors.
- Invoicing and picking up payments.
- Typing up formal and text proposals.
- Sending out updates of the workflow and working with the expected turnaround times.
- Once loan was closed and time frames were met, I was responsible for funding and posting the loan.
Real Estate Loan Processor
American Heritage Bank
Sapulpa, OK
03.2008 - 03.2016
- Process loan applications, ensuring compliance with industry regulations and bank policies.
- Verify borrower information and financial documentation for accuracy and completeness.
- Coordinate communication between lenders and closing company to facilitate smooth transactions.
- Review loan files for discrepancies, implementing corrective measures when necessary.
- Verify credit report and debt to verify accuracy of DTI.
- Order Flood Certificate, Title work, and complete Closing Disclosure.
- Re-disclose as needed.
- Send over documents to loan officer in a timely manner for the smoothness of the closing.
Consumer Loan Processor
American Heritage Bank
Sapulpa, OK
- Process consumer loan applications, ensuring compliance with regulatory requirements and internal policies.
- Review financial documentation for accuracy and completeness, facilitating timely loan approvals.
- Verifying credit score and collateral type for correct interest rate.
- Verifying for any existing liens on any of the collateral.
- Sending over completed and ready to sign documents to the loan officer in a timely manner.
- Once documents are signed and tickets have posted I was responsible for the funding of the loan.
Branch Supervisor
American Heritage Bank
Sapulpa, OK
- Supervised daily operations to ensure compliance with bank policies and procedures.
- Trained and mentored staff on customer service best practices and operational efficiency.
- Monitored branch performance with current tellers and our seasonal summer college tellers.
- Complied with daily ATM duties and back up teller when needed to help with the overflow of customers at the specific drive-in facility
- Complied with random surprise teller audits, formal write ups when needed, and balancing of our vault.
- Adjustment of teller schedules.
Education
High School Diploma -
Sapulpa High School
Sapulpa, OK05-2005
High School Diploma -
Sapulpa Central Technology Center
Sapulpa05-2005
Skills
- Bilingual (English/ Spanish)
- Multitasking efficiency
- Loan closing procedures
- Decision-making
- Banking industry awareness
- Teamwork and collaboration
- Attention to detail and fast learner
- Professionalism and customer services
- Data entry
Timeline
Owner of Welding Company
C&E Welding Services
01.2016 - Current
Real Estate Loan Processor
American Heritage Bank
03.2008 - 03.2016
Consumer Loan Processor
American Heritage Bank
Branch Supervisor
American Heritage Bank
High School Diploma -
Sapulpa High School
High School Diploma -
Sapulpa Central Technology Center