Summary
Overview
Work History
Education
Skills
Additional Information
Timeline
Generic

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
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
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 1992-1993

Some College (No Degree) - Medical Studies

Pueblo Community College
Pueblo, CO 1993-1995

High School Diploma -

Central High School
Pueblo, CO
06.1992

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

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Michele Correa