Miguel Molina
Coconut Creek,FL
Summary
Successful loan processing professional well-versed in the market, fee structures and application review procedures. Analytical and detail-oriented multitasker with an organized approach and good problem-solving abilities. Proven skills in generating and converting leads into loan customers. Expert salesperson and well-organized administrator with an in-depth understanding of commercial loan processes. Good relationship-building and communication skills. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Commercial Loan Officer
Westwood Funding
04.2021 - 09.2023
- 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.
- Submitted loan applications to underwriter for verification and recommendations.
- Obtained and reviewed corporate financial statements.
- Built trust and promoted customer loyalty throughout underwriting process.
- Managed up to 8 client loans at any given time.
- Negotiated loan terms and conditions with customers to secure best deal.
Owner/Operator
MMKS Enterprises (Timeshare Sales/Exit Company)
07.2018 - 09.2020
- Increased customer satisfaction by providing high-quality services and timely communication.
- Spoke professionally with customers regarding complaints, gathering all necessary information to make educated decisions and address issues.
- Prepared annual budgets with controls to prevent overages.
- Completed bi-weekly payroll for company employees.
- Developed and implemented various procedures to improve accounting process.
- Managed financial operations, payroll and accounting processes.
- Managed accounting activities by documenting expenditures and purchases and generating receipts.
- Developed and maintained regular reports via company's accounting system.
- Hired trained, and managed a high-performing team of employees dedicated to achieving company goals.
- Trained and motivated employees to perform daily business functions.
- Implemented marketing strategies to increase brand awareness and attract new customers.
- Implemented innovative programs to increase employee loyalty and reduce turnover.
Education
Bachelor of Science in Engineering - Computer Science
Southern Adventist University
Collegedale, TN06.2018
Skills
- Client Interviews
- Active Listening and Learning
- Loan Approval
- Motivational Techniques
- Verify Agreements
- Manage Complaints
- Remote Video Conferencing
- Fee Structuring
- Serve Customer Needs
- Microsoft Office
- Pulling Credit Reports
- Payoff Planning
- Loan Restructuring
- Spanish
- English
- Native or Bilingual
- Anti Money Laundering (AML)
- Fraud Prevention and Detection
- Calculate Payments
- Loan Officer Training
- Checking Applications
- Wire Transfer
- Customer service
- Sales
- Negotiation
- Financial services
- Loan officer experience
- Accounting software
- Inside sales
- Direct sales
- Outbound sales
- B2B sales
- Telemarketing
- CRM software
- Credit analysis
- Computer networking
- Microsoft Excel
- Collateral Valuation
- Cash Flow analysis
- Risk evaluation
- Regulatory Compliance
- Payroll Process
- Payroll Accounting Configuration
- Payroll submission
- Payroll Analysis
Certification
Driver's License
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Commercial Loan Officer
Westwood Funding
04.2021 - 09.2023
Owner/Operator
MMKS Enterprises (Timeshare Sales/Exit Company)
07.2018 - 09.2020
Bachelor of Science in Engineering - Computer Science
Southern Adventist University
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