Mercedez Medina
San Antonio,TX
Summary
Seeking a leadership position in Loan Operations that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
6
6
years of professional experience
Work History
Consumer Real Estate Loan Specialist
Frost Bank
07.2023 - Current
- Reduced turnaround time for loan processing by efficiently managing workload and prioritizing tasks.
- Enhanced customer satisfaction levels with clear communication and timely follow-ups on loan applications.
- Consistently exceeded production expectations, contributing significantly to the department's success.
- Assisted in the development of training of other Processors
- Participated in cross training on the Title Team to assist them with reviewing title searches during times of high volume
- Collaborated with underwriters and CRL's on outstanding items needed to complete the processing review
Loan Services Supervisor
Frost Bank
01.2023 - 06.2023
- Assist with testing during system upgrades and to assess impact to my department
- Promote a positive workplace environment and build relationships
- Conduct monthly one on one's to motive my employees, monitor their progress, and work together to help them be successful
- Formulate and execute cross training plans for employees so the department can have maximum coverage
- Flexible to change and feedback and see's it as a positive opportunity for improvement to existing practices
- Covers gaps in production when needed
- Responsilbe for documenting workflow procedures.
Loan Services Team Lead
Frost Bank
01.2022 - 12.2022
- Resumed previous role held from October 2019-May 2021
- Job responsibilities remained the same.
Consumer Loan Underwriter I
Wells Fargo
06.2021 - 12.2021
- Specialized in home retention for FHA loans in default due to a hardship the borrower is facing
- Responsible for evaluating and analyzing credit reports, debt to loan ratio, as well as income/financial statements
- Ensured accuracy is maintained and compliance is met on all loans, while adhering to investor guidelines
- Familiar with using the following applications: CPI/MSP/BLACK KNIGHT, CLARA, ERLMF, ICMP, HP2LR, and IRC
- Experience with disaster loans for borrowers impacted by the COVID-19 pandemic.
Loan Services Team Lead
Frost Bank
10.2019 - 05.2021
- Responsible for New Hire Training and point of contact for any questions the team had
- Prepared releases for any collateral the bank may have taken for Commercial and Consumer loans such as Real Estate, Notes Receivables, Life Insurance, C.D.'s, Money Market Accounts, Aircraft, Vessels, Brokerage Accounts, Trust Accounts, Vehicles, and UCC Collateral
- Handled escalated complaints or concerns from our lending team and external customers
- Monitored production to identify areas for improvement, to implement optimal workflow efficiencies
- Engaged and Coordinated with loan officers, title companies, dealerships, insurance companies, internal and external legal counsel to process requests.
Collateral Specialist
Frost Bank
01.2019 - 09.2019
- Primarily specialized in partially releasing collateral for Home Builders on Commercial Loans
- Prepared releases of real estate collateral for both Commercial and Consumer Customers.
Imaging Specialist
Frost Bank
04.2018 - 12.2018
- Responsible for prepping, scanning, and validating various financial statements, tax returns, rent rolls, accounts receivables, and compliance certificates
- Tracked Credit Exceptions for commercial loan customers with debt over $500,000.00
Education
Bachelor of Business Administration - Finance
University of Texas At San Antonio
San Antonio, TX05.2021
Skills
- Excellent Communication and Organizational Skills
- MS Windows Proficient: Word, PowerPoint, Excel, Outlook
- 5 years experience in Loan Services
- 3 years of Leadership experience
- Thrives in a fast paced work environment
- Workflow Management
- Recognized as Above & Beyond Performer, Consistent "Cream Team" employee, and Employee of the Quarter for Q1 of 2024
Projects
- Salesforce - Workflow Migration: The Release Team has been in the process of migrating their workflow into the Salesforce application since August 2022 and remains an ongoing effort through 2024. From August of 2022 to June of 2023 I was the primary point of contact coordinating with our product owner team every step of the way to build the new workflow into Salesforce. Even after leaving the department in July of 2023 I still continue to assist the product owner team and Release Department Management team with meetings, questions, etc.
- Collateral Record Clean Up: Due to my previous experience in the Release Department I've been assisting daily with the Collateral Record Clean Up project, reviewing and deleting old collateral records in our CICS/SHAW System from November of 2023 to present day.
- Loan Payment Deferrals: Assisted in running maintenance to defer loan payments for Commercial Customers during the COVID-19 Pandemic in 2020.
Timeline
Consumer Real Estate Loan Specialist
Frost Bank
07.2023 - Current
Loan Services Supervisor
Frost Bank
01.2023 - 06.2023
Loan Services Team Lead
Frost Bank
01.2022 - 12.2022
Consumer Loan Underwriter I
Wells Fargo
06.2021 - 12.2021
Loan Services Team Lead
Frost Bank
10.2019 - 05.2021
Collateral Specialist
Frost Bank
01.2019 - 09.2019
Imaging Specialist
Frost Bank
04.2018 - 12.2018
Bachelor of Business Administration - Finance
University of Texas At San Antonio