Rachel Ibarra
Buckeye,AZ
Summary
Self-motivated professional who is highly proficient in developing creative solutions and implementing objective decision-making while being able to navigate in fast-paced and ever-changing business environments. Seeking a position where I can prove to be an asset to the company and have more than 21+ years in customer service Versatile loan processing professional specializing in customer service and bank standards. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.
Overview
16
16
years of professional experience
Work History
Mortgage Loan Processor
Wells Fargo Bank N.A.
08.2011 - 03.2024
- Responsible for reviewing, analyzing, approving, and underwriting routine individual consumer requests and products with few deviations and within company and industry guidelines.
- Managed approximately 10-50 incoming calls , emails and faxes per day from customers.
- Exposure to Wells Fargo Services operation systems such as: CPS, FDR, Credit Bridge, ICMP or BCS
- Review credit applications, credit bureau information, collateral valuation, tax returns, financial statements, or other supporting documentation to recommend or approve requests within authority levels.
- Respond to customer inquiries and credit decisions
- Ensure credit files are current, complete, and compliant with company standards
- Contact customers and partners to gather information to make appropriate decisions and explain rationale behind credit decisions
- Collaborated with Loan Officers to provide timely, accurate service for clients throughout entire mortgage process.
- Managed high volume of loan applications, consistently meeting or exceeding established processing timeframes for both new loans and refinancing.
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Provided exceptional customer service while guiding borrowers through entire loan process.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
Unarmed Security Officer
Veterans Security
06.2023 - 02.2024
- Directed guests around building and answered accessibility questions.
- Monitored alarm systems to detect any unauthorized entries into protected areas.
- Verified each individual's right to enter restricted areas and denied access to unauthorized persons.
- Assisted visitors and customers to provide directions, answer questions and meet requests.
- Greeted guests professionally and courteously to cultivate welcoming atmosphere while making safety top priority.
- Examined doors, windows and gates to verify security.
Underwriter
L & G Mortgagebanc
05.2008 - 08.2009
- Provided high level of assistance to help with review, classification, coding, and rating of applications.
- Responded to customer requests via telephone and email and effectively answered questions and inquiries.
- Copied, logged and scanned supporting documentation and placed all information in client files.
- Maintained strong relationships with agents, brokers, and policyholders to ensure smooth communication and timely issue resolution.
- Reviewed credit reports, financial statements and transactions to verify accuracy and completeness.
Education
Finance And Banking Operations
American Tech School
Phoenix, AZ04.1992
GED -
Boise State University
Boise, ID06.1986
- Lender And Consumer Lending Compliance Courses
RESPA Compliance Courses
Skills
- 21 years of strong customer service and being client focused
- Effective at multitasking
- Ability to resolve and work through escalated and complex customer issues
- Call Center Operations
References
- Larry Harrison, Lending Manager, (623) 329-7489
- Adelina Saragoza, Financial Manager, (623) 377-5785
- Juana Hernandez, Research Specialist, (602) 323-7228
Timeline
Unarmed Security Officer
Veterans Security
06.2023 - 02.2024
Mortgage Loan Processor
Wells Fargo Bank N.A.
08.2011 - 03.2024
Underwriter
L & G Mortgagebanc
05.2008 - 08.2009
Finance And Banking Operations
American Tech School
GED -
Boise State University
- Lender And Consumer Lending Compliance Courses
RESPA Compliance Courses
Similar Profiles
Troy ClementTroy Clement
Vice President/Business Support Manager/Account Manager/Account Associate at Wells Fargo Bank, N.A. (acquired by Computershare Trust Company, N.A. Nov.2021)Vice President/Business Support Manager/Account Manager/Account Associate at Wells Fargo Bank, N.A. (acquired by Computershare Trust Company, N.A. Nov.2021)
Shermayne ShepherdShermayne Shepherd
Loan Administrator / Loan Administration Manager at Wells Fargo Bank, N.A.Loan Administrator / Loan Administration Manager at Wells Fargo Bank, N.A.
Arian SaberniaArian Sabernia
Home Mortgage Sales Consultant at Wells Fargo Bank, N.A.Home Mortgage Sales Consultant at Wells Fargo Bank, N.A.
Kristina Marie AlvarezKristina Marie Alvarez
Branch Operations Coordinator at Wells Fargo Bank, N.A.Branch Operations Coordinator at Wells Fargo Bank, N.A.
Jose GuerreroJose Guerrero
Channel Account Manager 4 at Pax8Channel Account Manager 4 at Pax8