Summary
Overview
Work History
Education
Skills
Languages
Timeline
Certificates And License
Certificates And License
OfficeManager
Natalie Villafane

Natalie Villafane

Buffalo,NY

Summary

Talented Sr. Loan Officer with proven track record of providing financial services to clients while managing complex loan transactions. Possesses deep understanding of credit analysis, loan origination and closing. Offers great time management and task prioritization skills.

Overview

15
15
years of professional experience
1
1
Language

Work History

Senior Loan Officer - Hybrid

Buffalo Metropolitan FCU
11.2021 - Current
  • Actively participating in Asset and Liability Committee (ALCO) meetings to contribute to strategic decision-making processes for managing organization's balance sheet.
  • Continuously updated knowledge on lending regulations, industry trends, and best practices to maintain high level of expertise in field.
  • Review and analyze average of 10 to 15 loan applications daily that do not meet automatic credit approval criteria to determine risks associated with granting loan.
  • Prepare comprehensive monthly charge-off approval notes for presentation to Board of Directors, including detailed analysis and trend insights into default loans.
  • Serve as trusted advisor and resource for loan team members, providing guidance, feedback, and encouragement to help employee improve their professional development and performance.
  • Resolve consumer complaints elevated to Supervisory Committee, reducing legal risks and regulatory issues. Facilitate communication between customers, management, and regulators to ensure timely settlement. Conduct extensive investigations to determine root causes and implement preventive actions. Provide recommendations on corrective actions and ensure regulatory compliance while remaining committed to client satisfaction.
  • Played integral role in facilitating implementation of new systems, ensuring smooth transition, and conducting thorough staff training for seamless adoption.
  • Managed and led team of employees, effectively organizing work schedules, providing hands-on assistance during challenging tasks, and promptly resolving escalated customer complaints.

Loan Officer - Hybrid

Buffalo Metropolitan FCU
08.2019 - 11.2021
  • Optimized operational processes by streamlining workflows, reducing inefficiencies, and implementing cost-effective solutions, resulting in increased productivity and profitability.
  • Successfully handled dynamic loan application pipeline by funding 5 to 6 loans per day while maintaining strict documentation accuracy and regulatory compliance. Provided expert advice to clients on selecting ideal loan products based on their financial needs and aspirations, while limiting risks and increasing profitability for institution.
  • Negotiated and structured lending agreements to secure advantageous terms while effectively managing credit union risks.
  • Collaborate as supportive team member, assisting colleagues with less experience to guarantee smooth operations and excellent service delivery.
  • Implemented techniques to reduce pipeline fallout and increase loan closing ratios, hence increasing efficiency and productivity.
  • Maintained strict confidentiality of bank records and client information.
  • Assisted customers with completing loan applications and other paperwork.

Loan Clerk

Buffalo Metropolitan FCU
05.2015 - 08.2019
  • Facilitated crucial support to executive management by actively participating in compilation and collection of essential documents necessary for review and assessment of mortgage applications, thereby contributing to streamlined decision-making processes.
  • Enhanced operational efficiency by streamlining document collection methods and meticulously organizing application materials.
  • Managed high volume of over 100 client inquiries, providing comprehensive support and routing calls to proper department as needed.
  • Contributed to reducing closing times for approved loans by diligently following up on missing or incomplete documentation from clients or third parties.

Teller

Buffalo Metropolitan FCU
10.2008 - 05.2015
  • Efficiently processed account opening and closing, skillfully managing paperwork, documents, and identity verification procedures.
  • Conducted regular self-assessments of performance to identify areas for growth or improvement within role of Teller.
  • Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
  • Process 100 to 150 transactions daily accurately.

Education

High School Diploma -

Escuela Superior Vocational De Fajardo
Fajardo, PR
05.2004

Skills

  • Risk Management
  • Software Proficiency
  • Documentation Management
  • Financial Analysis
  • Credit Analysis
  • Sales and Cross-Selling
  • Economics Understanding
  • Attention to Detail
  • Conflict Resolution
  • Negotiation Skills
  • Debt management
  • Bank Product Marketing

Languages

Spanish
Native or Bilingual

Timeline

Senior Loan Officer - Hybrid

Buffalo Metropolitan FCU
11.2021 - Current

Loan Officer - Hybrid

Buffalo Metropolitan FCU
08.2019 - 11.2021

Loan Clerk

Buffalo Metropolitan FCU
05.2015 - 08.2019

Teller

Buffalo Metropolitan FCU
10.2008 - 05.2015

High School Diploma -

Escuela Superior Vocational De Fajardo

Certificates And License

  • Go Skill Excel Certification Basic to Advance - 01/2020
  • Buffalo Public School Adult Education Accounting Fundamental - 12/2012
  • New York State Notary Public - Active

Certificates And License

  • Go Skill Excel Certification Basic to Advance - 01/2020
  • Buffalo Public School Adult Education Accounting Fundamental - 12/2012
  • New York State Notary Public - Active

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Natalie Villafane