MONICA FRANCO RAMIREZ
Lakeland,FL
Summary
Experienced Loan Officer adept at assessing customer needs, providing suitable products and guiding customers through loan process. Handles complex financial transactions using in-depth knowledge of loan products, services and lending regulations. Develops strong customer relationships by providing excellent service.
Overview
11
11
years of professional experience
Work History
LOAN OFFICER
MIDFLORIDA Credit Union
10.2022 - Current
- Excel as a loan officer, taking and processing applications, following closely all policies and procedures
- Focus on quality as a result, took on additional responsibilities on projects after demonstrating high attention to detail and great work ethic:
- Examples:
- Develop and forming part of the Quality Assurance group within Loans Plus department, reviewing all loans processed by the department before and after disbursement to ensure that all loans are processed within MIDFLORIDA quality standards; creating checklists, reports, and training on common mistakes and tracking on the department's improvement
- Created and developed a report in Excel to track department improvement on the quality of member verification on received calls and information provided to members on their loans within MIDFLORIDA policy.
lOAN PROCESSOR II
MIDFLORIDA Credit Union
06.2021 - 10.2022
- Provide exceptional member service on all loan-related questions and requests.
- Take applications, process applications, and provide personal input and recommendations for approval.
- Detailed work environment with multitasking skills
- Understanding all lending-related needs with advanced knowledge to resolve members' inquiries, problems, and concerns
- Work in harmony and effectiveness with other lending departments to comply with MIDFLORIDA Credit Union's Culture and Policies
- Train new hires and provide tools and knowledge to excel in their new role
- Self-driven, motivated and inspired to reach personal and team goals.
MEMBER ADVOCATE
Publix Employee Federal Credit Union
01.2020 - 06.2021
- Surpassed company goals in first year with the company while focusing on providing excellent customer service
- Provided ideas to improve customer service experience and worked with the team to improve customer satisfaction
- Consumer Loan processing with attention to detail.
Service Manager
Wells Fargo
12.2015 - 02.2017
- Surpassed goals with the team and worked hand in hand with them to support their development
- Supported the Store Manager when ensuring successful continuity of operations
- Resolved and supported the team during the resolution of complex customer inquiries and issues and ensured customer satisfaction
- Had the knowledge about financial products regulations, loss prevention and risk management to support team and customers effectively.
Personal Banker
Wells Fargo
01.2015 - 12.2015
- Accomplished and surpassed company goals consistently as a Personal Banker as result of building strong business relations with customers by inquiring customer needs and providing the best-suited products and services to fulfill their needs
- Accomplished goals as Business Advocate by cultivating business relations with business owners.
CSSR / Customer Service Representative
Wells Fargo
12.2013 - 12.2014
- Excelled at providing prompt quality service to Wells Fargo customers
- Accomplished duties as a top performer in the district
- Exercised leadership skills to build rapport among team members to achieve store goals
- Coached and supported other team members in different areas of service using experience and skills
- Performed duties with a high degree of detail to ensure accuracy on all transactions and customer satisfaction.
Teller
Wells Fargo
04.2013 - 12.2013
- Performed teller duties at the Ovation at Reunion Store
- In addition to the general duties related with the position also worked to build a strong business relation with customers by listening to their financial needs and questions
- Gave especial attention to operation accuracy and correct processing of transactions
- Facilitated a proactive team-working environment by accomplishing the goals required by the position and allowed other team members to succeed in their duties too.
Education
Bachelor degree of science - naval sciences administrative and logistics
Almirante Padilla” Naval School
GRADIATE -
STUDY ON LOGISTICS, “ALMIRANTE PADILLA” NAVAL SCHOOL
Skills
- Results-oriented self-starter
- Innovative problem-solver
- Dependable, responsible contributor with commitment to excellence and success
- Highly motivated hard worker who takes initiative with minimal supervision
Languages
Spanish
Native or Bilingual
Timeline
LOAN OFFICER
MIDFLORIDA Credit Union
10.2022 - Current
lOAN PROCESSOR II
MIDFLORIDA Credit Union
06.2021 - 10.2022
MEMBER ADVOCATE
Publix Employee Federal Credit Union
01.2020 - 06.2021
Service Manager
Wells Fargo
12.2015 - 02.2017
Personal Banker
Wells Fargo
01.2015 - 12.2015
CSSR / Customer Service Representative
Wells Fargo
12.2013 - 12.2014
Teller
Wells Fargo
04.2013 - 12.2013
Bachelor degree of science - naval sciences administrative and logistics
Almirante Padilla” Naval School
GRADIATE -
STUDY ON LOGISTICS, “ALMIRANTE PADILLA” NAVAL SCHOOL
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