Michele Correa
Pueblo,CO
Summary
I have been in the banking industry for over twenty eight years. I have worked in various departments, including, teller, customer service, new accounts, loan processing and loan auditing.
Overview
18
18
years of professional experience
Work History
Loan Auditor
Frontier Bank
Pueblo West, CO
10.2023 - Current
- Conducted regular quality control assessments to maintain high levels of accuracy in the loan auditing process.
- Contributed to risk mitigation efforts by identifying gaps in internal controls.
- Provided comprehensive reports on audit findings to management.
- Ensured compliance with federal lending laws such as TILA, RESPA, ECOA, and HMDA by keeping abreast of regulatory changes.
- Performed observations and evaluated supporting documents to supplement audit findings.
Loan Processor
Frontier Bank
Pueblo West, CO
01.2006 - Current
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Processed loans within various departments and outside agencies to achieve timely, accurate, and fast closings.
- Processed denials in a timely manner.
- Provide notarial acts for loan documents when needed, including new loans and on release documents.
- Board new loans when needed, if the lead processor was not available to do so.
- Audit all maintenance done with commercial and consumer loans in the FIS program.
- Filed all liens on collateral and maintained those liens, including UCC filings, Titles and sending Deed of Trusts for filing with various counties.
- Advised loan officers to comply with loan guidelines.
- Obtained copies of applicants' credit histories and maintained credit logs.
- Maintain online loan files including, scanning new loans, and updating loan files when needed.
- Contacting insurance companies to obtain insurance needed for the loan files.
- Audit all documents scanned into the online loan files for the commercial and consumer departments for accuracy.
- Provide all releases on loans that have been paid off and send all documentation to the borrowers in a timely manner.
- Provide minutes as secretary for the Executive Loan Committee and the Problem Loan Committee.
- Ensure that all Problem Asset Reports are completed by the loan officers and are ready and available to be presented to the Board.
- Balance several different bank GL's and checking accounts.
- Reviewed others work for accuracy.
- Train other individuals to complete work that I have done or are currently doing for other branches.
Education
General Studies
USC
Pueblo, CO 1992-1993Some College (No Degree) - Medical Studies
Pueblo Community College
Pueblo, CO 1993-1995High School Diploma -
Central High School
Pueblo, CO06.1992
Skills
- Detail-oriented mindset
- Decision-making capabilities
- Loan processing understanding
- Banking industry expertise
- Auditing principles
- Account Reconciliation
- Internal Auditing
- Audit reporting
- Report Generation
- Attention to Detail
- General ledger accounting
- Employee Training
- Document Recordkeeping
Additional Information
I have completed the following recent training:
February 2024 - 2024 HMDA Essentials (BVS)
January 2024 - Are You Ready to Submit Your 2023 Data (Banker's Compliance Consulting)
January 2024 - Reg Z for Closed-End Mortgage Lending (BVS)
January 2024 - Bank Secrecy (BVS)
January 2024 - OFAC Compliance Basics (BVS)
January 2024 - Consumer Lending: Compliance Overview (BVS)
January 2024 - Understanding RESPA, Part 1 (BVS)
January 2024 - Understanding RESPA, Part 2 (BVS)
January 2024 - Truth in Savings (BVS)
January 2024 - Reg B: Taking the Application (BVS)
December 2023 - HELOC How - To In Depth (Brode Consulting Services)
December 2023 - Scrubbing and Submitting 2023 HMDA Data (BOL Learning)
November 2023 - Robbery Prevention and Preparation (BVS)
November 2023 - Social Engineering: Prevention Basics (BVS)
November 2023 - Identity Theft Red Flag Requirements (BVS)
November 2023 - Battling Discrimination in Banking (BVS)
May 2023 - Reg B and Commercial Lending (BVS)
May 2023 - UDAAP - Case Examples (BVS)
January 2023 - 2023 Internal HMDA Worksheet Procedures (BVS)
January 2023 - Complying with OFAC (BVS)
January 2023 - The Basics of HMDA (BVS)
January 2023 - BSA: CIP Requirements (BVS)
January 2023 - CRA Compliance for Small Institutions (BVS)
Timeline
Loan Auditor
Frontier Bank
10.2023 - Current
Loan Processor
Frontier Bank
01.2006 - Current
General Studies
USC
Some College (No Degree) - Medical Studies
Pueblo Community College
High School Diploma -
Central High School