Melina Valdez
Vallejo,CA
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
14
14
years of professional experience
Work History
Loan Officer
Utility District Credit Union
Oakland, CA
10.2018 - Current
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of bank records and client information.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Examined customer loan applications for loan approvals and denials.
- Educated potential clients on various loan options, guiding them towards informed decisions that fit their financial goals.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
Customer Service Representative
Utility District Credit Union
Oakland, CA
02.2012 - 10.2018
- Contributed to a positive work environment by maintaining a professional demeanor at all times.
- Boosted customer satisfaction by efficiently addressing and resolving account issues.
- Balanced daily transaction reports, contributing to accurate recordkeeping and financial reporting.
- Provided exceptional member service through active listening, empathetic communication, and problem-solving skills.
- Ensured compliance with federal regulations by accurately completing required documentation for various banking transactions.
- Assisted customers with loan applications for successful approval and funding.
- Aided in the training and onboarding of new hires, ensuring their success in meeting performance expectations.
- Strengthened fraud prevention efforts through diligent monitoring of suspicious transactions.
- Supported team members by sharing knowledge of bank policies and procedures.
- Assisted customers with banking needs and inquiries.
Shuttle Coordinator
Concord BMW
Concord, CA
01.2010 - 11.2011
- Entered data, generated reports, and produced tracking documents.
- Improved team productivity with regular communication and progress updates, fostering a collaborative work environment.
- Enhanced operational workflows by maintaining well-organized documentation systems and updating records accurately as needed.
- Enhanced customer satisfaction by responding promptly to inquiries and addressing concerns professionally.
- Coached employees through day-to-day work and complex problems.
Education
No Degree - Psychology
Contra Costa College
San Pablo, CAHigh School Diploma -
Pinole Valley High School
Pinole, CA06.2001
Skills
- Relationship building and management
- Documentation Review
- Sales expertise
- Financial Advising
- Client Relations
- Credit analysis
- Customer service-focused
- Consumer Lending
- Banking
- Proficient in 10-key
- Cash Handling
- Loans
Timeline
Loan Officer
Utility District Credit Union
10.2018 - Current
Customer Service Representative
Utility District Credit Union
02.2012 - 10.2018
Shuttle Coordinator
Concord BMW
01.2010 - 11.2011
No Degree - Psychology
Contra Costa College
High School Diploma -
Pinole Valley High School