MARY ANNE QUINSAY
SAN JOSE,CA
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability, and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Senior Consumer Loan Processor
Santa Clara County Federal Credit Union
San Jose, CA
03.2023 - Current
- Responsible for processing consumer loan applications, obtaining, and reviewing documentation from members to satisfy stipulations to fund loans.
- Following established credit union guidelines and policies efficiently and accurately.
- Prepare loan documents in the loan origination system and send them to the member for signing.
- Prepare approved loans for disbursements to members accordingly.
- Schedule appointments accordingly, and meet with members for document signings. (DMV) requiring wet signatures.
- Enthusiastically pursue cross-sell opportunities to offer and promote the credit union. Array of products and services to our members.
- Following established credit union guidelines and policies, efficiently and accurately fund. The Consumer Loan in the loan origination system. Verify system entries (in the loan origination and core system) for accuracy once the loan is funded.
- Audit consumer loan data entry, ensuring documents are in order and uploaded. Accordingly, at the time of funding.
- Contribute to the monthly/annual production goals through exceptional performance by meeting or exceeding individual or team established goals while keeping abreast on all Products, services, and credit union policies, processes, and guidelines.
- Cohesively work and communicate effectively with advisors, underwriters, DMV specialist, and processors to ensure a seamless and smooth process for the member during their entire loan transaction, providing an awesome member experience.
- Provide backup phone support to the loan advisors, identifying member needs, and selling the appropriate products and/or services.
- Resolved customer inquiries regarding their loan accounts in a timely manner.
- Reviewed existing or new loans in the pipeline on a regular basis to identify potential areas of risk or fraud.
- Provided excellent customer service while resolving any issues that arose during the course of processing a loan.
- Provided guidance and assistance to less experienced team members when needed.
- Worked closely with other departments, such as collections, IT, underwriting, and accounting, when necessary.
- Identified potential issues in loan files and worked with team members to devise solutions.
- Managed pipeline of loans ensuring that all deadlines are met and loans progress to closing.
- Provided excellent customer service, maintaining high satisfaction levels among members.
- Checked applicant credit, personal references and employment histories.
- Scanned and uploaded loan and related documents into system.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Created and completed loan submission packages.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Calculated, reviewed, and corrected errors on interest rates, payments, and loan terms to ensure accuracy.
- Assisted in developing and implementing streamlined loan processing procedures to improve efficiency.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Perform other or related duties as assigned.
- Review and respond to consumer lending reports for audit and compliance review.
Consumer Loan Processor
Santa Clara County Federal Credit Union
San Jose, CA
06.2018 - Current
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Answered incoming calls from customers inquiring about their loan status.
- Process DMV paperwork.
- Managed pipeline of loans ensuring that all deadlines are met and loans progress to closing.
- Obtain all funding required documentation from members
- Schedule loan closing and disburse loan proceeds
- Audit consumer loan date entry and documentation
- Provide loan phone queue coverage
- Providing ongoing support to members and co-workers on any consumer lending related questions or concerns.
- Maintain daily, weekly, monthly and quarterly consumer lending reports for audit and compliance review.
- Provide support at all Credit Union car sale events.
- Perform clerical duties as assigned.
- Prepared and issued loan documents according to company guidelines.
- Resolved customer inquiries regarding their loan accounts in a timely manner.
- Reviewed loan applications, credit reports and related documents to determine eligibility for consumer loans.
Financial Representative III
KeyPoint Credit Union
San Jose, CA
03.2018 - 06.2018
- Provide training and assistance to branch staff to ensure efficient and effective delivery of products and services to our members.
- Take responsibilities and accountability in the following all service standards set forth by the Credit Union
- Assist the branch management with the operations of the branch. May include scheduling staff, answering questions on products and services, policies and procedures, or rules and regulations.
- Research and resolve member questions, problems and concerns by telephone, written correspondence or in person.
- Performs other duties as assigned or required to ensure member service standards and company objectives are successfully met.
- Build member relationships though selling and referring credit union products and services to meet members financial needs.
- Maintain knowledge of all KeyPoint Credit Union products, services, procedures and compliance regulations while staying informed of all policy and procedure changes.
- Participate in obtaining individual and team sales and referrals goals monthly, quarterly and annually.
- Adhere to established policies and procedure set forth in controlling cash funds assigned to the position in a cash drawer and/ or cash vault.
- Maintain members' confidentiality at all times.
- Perform teller transactions as requested by members.
- Assist Branch Management to perform the accurate completion of required branch audit logs.
Financial Services Representative II
KeyPoint Credit Union
San Jose, CA
02.2014 - 06.2018
- Improved customer satisfaction by finding creative solutions to problems.
- Develop and maintain professional relationship with customers and ensure customer satisfaction.
- Coordinate with members and acquire all information and resolve issue effectively.
- Provide professional assistance to all members issues and ensure confidentially of all members information.
- Build member relationships though selling and referring credit union products and services to meet members financial needs.
- Maintain knowledge of all KeyPoint Credit Union products, services, procedures and compliance regulations while staying informed of all policy and procedural changes.
- Assess members loans needs from start to finish stating loan type, ancillary product, review and submission of application. finishing with the closing and follow up as needed with consumer and auto loans.
Education
Bachelor of Commerce - Business Administration And Management
University Of The Assumption
Philippines06.2004
Skills
- Loan processing expertise
- Strong analytical skills
- Customer Service
- Credit Reports
- Application Process Management
- Teamwork and Collaboration
- Loan Closing
- Loan Origination
- Processing procedures
- Processing documents
- Verifying information
- Reviewing financial paperwork
Certification
- Certified Mortgage Master NMLS# 1505983
Timeline
Senior Consumer Loan Processor
Santa Clara County Federal Credit Union
03.2023 - Current
Consumer Loan Processor
Santa Clara County Federal Credit Union
06.2018 - Current
Financial Representative III
KeyPoint Credit Union
03.2018 - 06.2018
Financial Services Representative II
KeyPoint Credit Union
02.2014 - 06.2018
Bachelor of Commerce - Business Administration And Management
University Of The Assumption
- Certified Mortgage Master NMLS# 1505983
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