Malva Perez
Del Valle,Texas
Summary
Focused on mitigating company risks while meeting profit goals by making strategic decisions based on sound criteria as skilled loan underwriter. Successful in leading underwriting teams and training junior staff to handle high workload with impeccable accuracy. Proven expertise in identifying unacceptable risk and preventing fraud.
Overview
17
17
years of professional experience
Work History
Consumer Loan Underwriter & Dealer Relations
A+ Federal Credit Union
02.2015 - 08.2024
- Analyzing credit applications, reviewing loan documents, staying up to date with lending policies, underwriting indirect auto loans, developing dealer relationships, collaborating with other departments
Consumer Mortgage Loan Underwriter II
A+ Federal Credit Union
05.2020 - 10.2022
- Analyzing credit applications, evaluating mortgage applications, maintaining knowledge of lending products and guidelines, meeting sales goals, acting as a lending resource
Dealer Services and Lending Support Supervisor
A+ Federal Credit Union
08.2014 - 07.2015
- Supervising daily operations, optimizing team efficiency, conducting coaching sessions, maintaining employee performance, ensuring member confidentiality
Sr. Consumer Loan Processor
A+ Federal Credit Union
01.2008 - 07.2014
- Taking loan applications, meeting sales goals, processing and funding loans, assisting members, managing loan queues
Lending Support Representative
A+ Federal Credit Union
08.2008 - 01.2009
- Processing indirect contracts, communicating with dealers and underwriters
Member Call Center Representative
A+ Federal Credit Union
08.2007 - 08.2008
- Answering incoming calls, assisting members with loan inquiries, providing information on products and services
Education
Aplus Federal Credit Union
Austin, TXSome College (No Degree) -
Fullerton Community College
Fullerton, CAGraduate - Business
Anaheim High School
Anaheim, CA06.1996
Skills
- Underwriting guidelines
- Debt-to-Income Ratios
- Professional ethics
- Documentation Review
Cell
512-541-8255
Languages
Spanish
Native or Bilingual
Timeline
Consumer Mortgage Loan Underwriter II
A+ Federal Credit Union
05.2020 - 10.2022
Consumer Loan Underwriter & Dealer Relations
A+ Federal Credit Union
02.2015 - 08.2024
Dealer Services and Lending Support Supervisor
A+ Federal Credit Union
08.2014 - 07.2015
Lending Support Representative
A+ Federal Credit Union
08.2008 - 01.2009
Sr. Consumer Loan Processor
A+ Federal Credit Union
01.2008 - 07.2014
Member Call Center Representative
A+ Federal Credit Union
08.2007 - 08.2008
Aplus Federal Credit Union
Some College (No Degree) -
Fullerton Community College
Graduate - Business
Anaheim High School
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