Noemi Ruvalcaba
Alliance Credit Union
Lubbock,TX
2
Languages
22
years of professional experience
Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Work History
Post Close Coordinator
4 Months- Reviewed loan packages for accuracy and completeness before post-closing file submission.
- Verified signatures, notarizations, and required disclosures against credit union lending standards.
- Coordinated post-closing review for loan files, ensuring complete documentation and timely investor delivery.
- Verified signed documents, correcting discrepancies and routing files for compliance and quality control.
Mortgage Loan Officer Assistant
2 Years 8 Months- Supported mortgage loan officer with application processing, document collection, and member communication.
- Reviewed loan files for completeness, accuracy, and compliance with credit union lending guidelines.
- Tracked loan status updates, resolved routine issues, and maintained timely follow-up with members.
- Assisted members with loan questions, gathering financial information and clarifying next-step requirements.
- Set up files using loan officer checklist and submitted on-time for processing.
- Increased client satisfaction by providing exceptional customer service throughout the loan process.
- Supported loan officer with application
- Communicated with customers daily to request information and complete paperwork.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Senior Personal Banker
5 Months- Cross-sold bank products and services to meet customer needs and provide options.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Followed up with customers to gather feedback and provide additional assistance.
- Promoted financial products by maintaining excellent service offering knowledge.
- Educated customers on online banking and mobile banking applications.
- Referred customers to other banking departments for specialized services.
- Executed wire transfers, stop payments and account transfers.
- Assisted customers with banking needs and inquiries.
- Maintained friendly and professional customer interactions.
- Cross-sold credit cards, loans and other bank products.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Processed applications for new accounts.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Opened and maintained checking, savings, and certificate accounts with strict accuracy.
- Reviewed account documentation to ensure compliance with banking policies and regulatory requirements.
- Identified sales opportunities through needs-based conversations and relationship-building.
- Trained new team members on account procedures, product knowledge, and service standards.
- Processed loan applications, gathered supporting documents, and guided clients through approval steps.
- Resolved complex customer inquiries, demonstrating exceptional problem-solving skills and customer service expertise.
- Conducted financial reviews for customers, identifying opportunities for cross-selling additional products and services.
- Ensured compliance with all regulatory requirements, protecting both the bank''s reputation and its customers'' interests.
- Strengthened client relationships through consistent follow-ups and proactive communication.
- Enhanced customer satisfaction by providing personalized banking solutions and prompt service.
- Delivered comprehensive financial advice to clients based on their unique situations, helping them achieve long-term financial success.
- Increased loan portfolio growth by identifying client needs and recommending appropriate financial products.
- Improved client retention rates by maintaining open lines of communication and addressing concerns promptly.
- Processed loan applications and monitored progress from start to finish.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
Consumer Loan Officer
1 Year 2 Months- Submitted loan applications to underwriter for verification and recommendations.
- Maintained strict confidentiality of bank records and client information.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Proactively identified solutions for customers experiencing credit issues.
- Developed prospects for new loans by conducting 25 or more cold calls weekly.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Developed strong relationships with customers through high levels of customer service.
Senior Personal Banker
11 Months- Cross-sold bank products and services to meet customer needs and provide options.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Followed up with customers to gather feedback and provide additional assistance.
- Educated customers on online banking and mobile banking applications.
- Referred customers to other banking departments for specialized services.
- Executed wire transfers, stop payments and account transfers.
- Assisted customers with banking needs and inquiries.
- Maintained friendly and professional customer interactions.
- Cross-sold credit cards, loans and other bank products.
- Processed wide variety of retail banking transactions for personal and commercial customers.
Customer Service Representative
3 Years 8 Months- Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs and resolving concerns.
- Answered customer telephone calls promptly to avoid on-hold wait times.
- Answered constant flow of customer calls with minimal wait times.
- Offered advice and assistance to customers, paying attention to special needs or wants.
- Recommended products to customers, thoroughly explaining details.
- Developed community reputation through commitment to customer satisfaction and strong client relationships.
- Delivered exceptional customer service to every customer by leveraging extensive knowledge of products and services and creating welcoming, positive experiences.
- Investigated and resolved customer inquiries and complaints quickly.
- Responded proactively and positively to rapid change.
- Exhibited high energy and professionalism when dealing with clients and staff.
- Delivered prompt service to prioritize customer needs.
- Promoted superior experience by addressing customer concerns, demonstrating empathy and resolving problems swiftly.
- Maintained up-to-date knowledge of product and service changes.
- Trained new personnel regarding company operations, policies and services.
- Cross-trained and provided back up for customer service managers.
- Reached out to customers after completed sales to suggest additional service or product purchases and inquire about needs or concerns.
- Prepared loan documents for consumer, Ag, and commercial loans
- Wire transfers
- Stop Pays
- Opened New Consumer & Commercial Accounts
- Disputes
- Debit Cards
- Insufficient Lists Decisions
Bookkeeper
12 Years 2 Months- Wire Transfers
- Insufficient List
- Reject List
- Proof
- ACH & FED Returns
- Charge Backs
- NOC's
- Customer Inquiries
- Stop Pays
Education
- Radiologic Technology
High School Diploma
Skills
Customer Experience
Balance Sheet Expertise
Loan Product Promotion
Client Relations
Credit Application Review
Serve Customer Needs
10-Key Data Entry
Wire Transfer
Customer Transactions
NMLS Registration
Loans
Banking
Mortgages and Loans
Loan Application Advisement
Customer Inquiries
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Post Close Coordinator
Alliance Credit Union
06.2026 - CurrentRead More
Mortgage Loan Officer Assistant
Alliance Credit Union
10.2023 - 06.2026Read More
Senior Personal Banker
First Bank & Trust Company
04.2023 - 09.2023Read More
Consumer Loan Officer
First Bank & Trust
01.2022 - 03.2023Read More
Senior Personal Banker
First Bank & Trust Company
01.2021 - 12.2021Read More
Customer Service Representative
Aim Bank
04.2017 - 12.2020Read More
Bookkeeper
Muleshoe State Bank
02.2005 - 04.2017Read More
Clovis Community College
from Radiologic Technology
Read More
Muleshoe High School
High School Diploma
Read More