Summary
Overview
Work History
Education
Skills
Affiliations
Languages
Certification
References
Timeline
Generic

Michelle Esquivel

Champaign,IL

Summary

Personal Loan Specialist with a starting background in financial services. Specialize in analyzing credit data and financial statements of individuals, interpreting complex compliance/policy issues, and making loan decisions based on lending guidelines. Strengths lie in customer service, risk assessment, and effective communication.

Previous impact includes improved loan processing efficiency and increased client satisfaction through tailored financial solutions. Resourceful Personal Loan Specialist known for high productivity and efficient task completion. Skilled in risk assessment, financial analysis, and customer relationship management. Excel in communication, problem-solving, and adaptability, ensuring seamless operations and client satisfaction.

Bilingual individual willing to go the extra mile to ensure quality service to each and every customer.

A dependable Loan Specialist committed to explaining complex information in easy to understand terminology. Committed job seeker with a history of meeting company needs with consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand

experienced in the customer service field with abilities to adapt quickly to changing policies and environments with various skills varying from manual labor , equipment organization and maintaining a clean and organized workspace.

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Overview

7
7
years of professional experience
1
1
Certification

Work History

Personal Loan Specialist

One Main Finanical
Champaign, IL
05.2024 - Current
  • Assisted customers in the selection of personal loan products that best fit their financial needs and assisted them to make the best decision based on their unique situation.
  • Conducted credit analysis and approved or denied loan applications based on credit history, income, and other criteria.
  • Performed verification of customer's employment status, income level, debt-to-income ratio, and other factors to ensure compliance with regulatory standards.
  • Provided guidance to customers regarding the terms and conditions of their loans.
  • Analyzed customer's financial data to determine repayment ability and affordability.
  • Educated customers on loan options available to them such as fixed rate mortgages, adjustable rate mortgages.
  • Prepared loan documents for accuracy prior to closing process.
  • Monitored customer accounts throughout life of loans to ensure payments are made on time , if said payments may become delinquent we do our best to ensure that the client feel that their financial hardship is accounted for and we provide every tool in order to best assist the client.
  • Evaluated risk associated with each loan application by analyzing creditworthiness and collateral value, and utilizing said information to determine if the use of said collateral will most benefit the client in every aspect.
  • Collaborated with company teams to expedite loan approval processes, including other branches and our centralized order of operations, in a way that allows all team members to handle client information effectively.
  • Located and suggested loan packages that met client needs and priorities.
  • Met with applicants to obtain information to ensure it will be a comfortable process and overall choice for loan applications, and answer questions about processes to help the client feel like they are making the best educated choice for them.
  • Identified valuable solutions for customers with credit problems and ensured that the details on said credit bureaus are accounted for when considering a client for funding, to ensure the client will be put in the best financial status with the NDI taken into consideration.

Verification Specialist

Best Buy
Champaign, IL
04.2021 - 03.2024
  • Performed verification of customer accounts and ensured data accuracy, making sure the client information provided is factual and up to date.
  • Monitored customer account activity to detect fraud or suspicious activity.
  • Researched and evaluated customer information for compliance with internal policies and procedures, ensuring the mobile team is up to date on current policies.
  • Provided technical assistance to customers regarding account verification process.
  • Analyzed customer feedback to identify areas of improvement in the verification process.
  • Collaborated with other departments to ensure timely resolution of issues related to verification activities.
  • Developed training materials on best practices for verifying customer accounts.
  • Identified potential fraudulent transactions by monitoring for suspicious patterns or behaviors.
  • Implemented quality control measures to ensure accuracy of verified information.
  • Documented workflow processes for verifying customer accounts according to established standards.
  • Evaluated existing systems used for verifying customer accounts and recommended improvements as needed.
  • Navigated through multiple online systems to obtain documentation.
  • Checked documentation for appropriate coding, catching errors and making revisions.
  • Verified that patients had proper insurance coverage prior to procedures or appointment scheduling, if not informing the client on what their protection plan offers.
  • Communicated with insurance carrier, patient and third party or employer to verify patient insurance benefits.
  • Examined claims, records and procedures to grant approval of coverage.
  • Instructed clients on amounts covered under benefits plans in easy-to-understand terminology and ensured the client feels comfortable in their informed choices.
  • Asked questions in accordance with instructions to obtain person's name, address and age.
  • Met with supervisor daily to submit completed assignments and discuss progress.
  • Reviewed data obtained from interview for completeness and accuracy.

Sales Consultant

Boost Mobile
Champaign, IL
09.2017 - 03.2021
  • Established long-term relationships with key contacts at client companies.
  • Identified areas of improvement within existing processes and procedures.
  • Developed and maintained relationships with clients to increase sales revenue.
  • Analyzed customer needs and preferences to recommend appropriate products.
  • Provided detailed product information to customers, including features, prices, and availability.
  • Conducted market research to identify new business opportunities.
  • Generated daily reports on sales activities for management review.
  • Collaborated with marketing team to design promotional materials for campaigns.
  • Resolved customer complaints and inquiries in a timely manner.
  • Created customized presentations for potential customers based on their requirements.
  • Performed cold calls to prospective customers to introduce company offerings.
  • Monitored competitor activity and pricing strategies to adjust accordingly.
  • Assisted in developing sales strategies and setting targets for different accounts.
  • Organized special events such as seminars or workshops to promote products.
  • Participated in regular training sessions on new products, services, and industry trends.
  • Ensured customer satisfaction by providing follow-up support after purchases.
  • Worked with fellow sales team members to achieve group targets.
  • Listened to customers to understand needs and refer to optimal services.
  • Greeted incoming customers and provided expert sales and service to drive revenue.
  • Demonstrated products in effort to show potential buyers benefits and advantages and encourage purchases.
  • Maintained knowledge of current promotions, exchange guidelines, payment policies, and security practices.
  • Priced out products for customers and drew up sales paperwork.
  • Boosted client satisfaction ratings by offering proactive resolution ideas while driving actionable responses to questions, concerns or challenges.
  • Addressed customer questions and concerns regarding products and services.
  • Developed key customer relationships to increase sales.
  • Negotiated deals and handled complaints or objections.
  • Cleaned shelves, counters and tables to maintain organized store.
  • Answered store and merchandise questions and led customers to wanted items.
  • Unboxed new merchandise and restocked shelves in appealing and organized arrangements to promote items.
  • Opened and closed cash registers by counting money, separating charge slips and balancing drawers.
  • Computed purchases and received and processed cash or credit payment.
  • Described merchandise and explained use, operation and care.
  • Recommended, selected and located merchandise based on customer desires.
  • Maintained records related to sales for store management.
  • Watched for and recognized security risks and thefts to prevent or handle situations.

Education

High School Diploma -

Centennial High School
Champaign, IL
06-2018

Skills

  • Collections experience
  • Loan Servicing
  • Portfolio Management
  • Goal-Oriented
  • Loan Modification
  • Risk evaluation
  • Loan Processing
  • Loan Closing
  • Performance Tracking
  • Debt management
  • Application Review
  • Loan File Maintenance
  • Attention to Detail
  • Credit History Review
  • Loan Processing Coordination
  • Creditworthiness Determination
  • Tax Liability Calculation
  • Customer Relations
  • Payment Schedule Computation
  • Property Evaluation
  • Terms Definition
  • Credit File Updating
  • Interpersonal Skills
  • Payoff Planning
  • Microsoft Office
  • Client Interview
  • Application coordination
  • Adaptability and Flexibility
  • Basic Mathematics
  • Report Preparation
  • LoanMaster Loan Servicing
  • Oral and Written Comprehension
  • Effective Communication
  • Financial Service Solutions
  • Problem-Solving
  • Adaptability
  • Relationship Building
  • Analytical Thinking
  • Data Entry
  • Professionalism
  • Active Listening
  • Client Counseling
  • Cash Handling
  • Multitasking
  • Self Motivation
  • Equifax Application Engine
  • Team building
  • Reliability
  • Financial Accounting
  • Eligibility Determination
  • Collections Management
  • Remote Video Conferencing
  • Market Analysis
  • Analytical Skills
  • Problem-solving aptitude

Affiliations

  • I like to keep a busy life! my focus is to maintain a balance between my personal hobbies such as tennis , virtual designing , cooking , tech advancement , etc.

Languages

English
Professional
Spanish
Professional
Italian
Limited

Certification

  • certified in selling loan products including insurance plans such as home and auto , gap coverage , silver safe guard , etc
  • verizon specialist & at&t specialist certifications
  • samsung product sales certifications

References

References available upon request.

Timeline

Personal Loan Specialist

One Main Finanical
05.2024 - Current

Verification Specialist

Best Buy
04.2021 - 03.2024

Sales Consultant

Boost Mobile
09.2017 - 03.2021

High School Diploma -

Centennial High School

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Michelle Esquivel