Rachell Lumbab
Danville,CA
Summary
Loan Officer with almost 17 years of experience in Consumer Lending and 14 years of experience on Home equity loans. My goals are to be there for my family as a wife and Mother to my children the way God called me to, to challenge myself to grow personally and professionally each day and to be a positive contributor to everyone and my community and I'm ready to work for an organization that inspires me!
I love my job, our team and the company I work for but is moving out of Juneau Alaska to Indiana to be closer to our family and parents who are aging and retiring.
I am motivated and detail-oriented professional. I work well with minimal supervision. Very easy to get along with and work great in a team. Flexible. Discipline. Hard worker. Solid work ethic and has desire to excel. I am always willing and eager to know, learn, work and train to further my skills and experience. Deal with others patiently and courteously. Accept questions and determine appropriate course of action. Punctual and well organized to avoid stress and cramming in meeting the deadlines.
Overview
22
22
years of professional experience
Work History
Loan Officer II
True North FCU
10.2008 - 03.2025
- Maintained strict confidentiality of credit union/bank records and members/customer's information.
- Assists members/customers with their consumer lending needs; analyze loan requests and make credit decisions based on company’s lending policy and guidelines.
- Interviews loan applicants to develop information concerning their loan needs, earnings, and financial condition which involves much personal contact with others inside and/or outside the organization for the purpose of first-level conflict resolution, building relationships, and soliciting cooperation. Discussions involve a higher degree of confidentiality and discretion, requiring significant level or trust and diplomacy and tact in communication.
- Assisted members/customer's with completing loan applications and other paperwork.
- Examined members/customer's loan applications for loan approvals and denials.
- Underwrite, analyzes current financial position of applicant to determine the degree of risk involved in extending credit or lending money. Makes decision to approve, disapprove, or forward the loan request to higher levels for decision if outside my lending authority.
- Establishes and assisted members/customer's in understanding the loan terms and conditions to make informed decisions and reviews them with the member.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Prepares and/or reviews all loan documents for completeness and accuracy. Ensure that all title work is prepared for filing with the appropriate agencies.
- Meet or exceed operational objectives with respect to accuracy, application response turnaround times, contract funding times, and service goals.
- Developed strong relationships with members/customers through high levels of customer service.
- Explains loan programs to customers/members, evaluates their needs and recommends loan options.
- Advised and offers credit counseling to members/customer's to helps manage debt and improve their financial situation.
- Keeps informed of current trends in consumer credit.
- Authorize release of collateral on existing loans, changes in loan terms, waivers of payments, due date change, skip payments request and hardship extension request, etc.
- Participates in sales development activities. Sell assigned volume of loan insurance products. Meet or exceed the minimum established incentive goal each month.
- Provide informed, prompt, and accurate service and support to all members and associates by accurately processing, decisioning, and relaying loan decisions to members/customers. Ensure all documentation is completed with a high level of accuracy.
- Troubleshoot and resolve members/customer's and internal inquiries in a timely, friendly, accurate manner.
- Compliance with all training requirements and deadlines as mandated by the company’s policy and federal banking regulations.
- Underwrites loans for the membership as a Senior Loan Officer for the Credit Union handling larger more complex loans where increased authority and judgement is required.
- Assist with branch operations as necessary to maintain a high level of service within the organization.
- Assisted in training and monitoring the performance of MSR's and/or Jr. loan officers.
- Identified opportunities to cross-sell and upsell loan products to members/customers.
- Compiled closing packages for drafting and presentation accuracy.
Invoicing/Accounting Clerk
Walmart
08.2007 - 10.2008
- Responsible for inputting the invoices into the company's computer system with consistent accuracy.
- Maintained accounting records utilizing in-house and client systems.
- Identified and resolved internal accounting variances, promoting data accuracy.
- Processed payments and documents such as invoices, journal vouchers, employee reimbursements, and statements.
- Managed accounts payable and receivables.
- Research of accounting discrepancies to avoid paying inaccurate or fraudulent bills.
- Streamlined daily reporting information entry for efficient record keeping purposes.
- Developed monthly, quarterly and annual profit and loss statements and balance sheets.
- Generated invoices upon receipt of billing information and tracked collection progress.
- Implemented new accounting processes to decrease spending and work flow downtime.
- Reconciled account information and reported figures in general ledger by comparing to bank account statement each month.
- Supported management by processing invoices and documents with consistent on-time delivery.
- Matched purchase orders with invoices and recorded necessary information.
- Help in training of Receiving Associate(s) to accurately received merchandise in the system.
Pharmacy Assistant/Technician
Mercury Drug
11.2003 - 12.2004
- Counted and labeled prescriptions with correct item and quantity.
- Kept pharmacy counter and related areas clean, neat and organized.
- Merchandised over-the-counter goods and rotated stock.
- Answered telephones and provided information about order status, store hours and pharmacy procedures.
- Greeted customers and responded to questions with friendly, knowledgeable assistance.
- Supported operations with filing, copying and faxing.
- Assisted pharmacy staff with preparing medications and filling orders.
- Updated computer system with current customer, payment and inventory information.
- Received incoming supplies and stocked in correct locations.
- Assisted customers in selecting over-the-counter medications and health care products.
- Established and maintained patient profiles, updating organizational database with current information.
- Verified patient information to correctly dispense medications.
- Handled inventory stock by counting inventory items, checking delivery quantities, reviewing medication expirations and ordering additional products.
- Supported pharmacists with day-to-day activities and pharmacy office management functions.
- Organized pharmacy area to maintain clean and orderly environment.
Front Desk Clerk/Receptionist
Mokkho Hotel
05.2003 - 11.2003
- Greeted visitors and customers upon arrival, offered assistance, and answered questions to build rapport and retention.
- Greeted guests at front desk and engaged in pleasant conversations while managing check-in process.
- Collected room deposits, fees, and payments.
- Answered customer telephone calls promptly and appropriately handled needs.
- Took reservations over phone, in person, and via computer for guests and provided confirmation information.
- Welcomed each new arrival pleasantly and confirmed reservations and identification.
- Answered multi-line phone system and enthusiastically greeted callers.
- Oversaw fast-paced front desk operations and guests' needs at busy facility.
- Maintained clean and organized front desk areas to uphold polished company image.
- Coordinated with vendors for repair and maintenance of hotel.
- Developed and maintained positive relationships with guests for satisfaction.
- Implemented marketing and promotional initiatives to increase occupancy.
- Kept accounts in balance and ran daily reports to verify totals.
- Reported facility and room maintenance problems to appropriate personnel for immediate remediation.
- Monitored hotel's budget and financial records.
- Promoted hotel brand's loyalty program via social media, email and direct mail.
- Monitored staff performance and provided feedback and guidance.
- Trained new staff members in customer service techniques and hotel operations.
- Prepared reports on guest satisfaction levels and other metrics.
- Enforced policies and procedures to increase efficiency.
- Kept reception area clean and neat to give visitors positive first impression.
- Confirmed appointments, communicated with clients, and updated client records.
Education
Bachelor of Science - Computer Science
ACTS COMPUTER COLLEGE
Laguna Philippines05-2003
Skills
- Communication
- Loan servicing
- Credit assessment
- Financial analysis
- Financial transactions
- Terms negotiation
- Customer service-focused
- Financial services
- Team player
- Client relations
- Financial advising
- Underwriting support
- Document analysis
- Underwriting
- Credit analysis
- Loan application management
- Documentation review
- Excellent communicator
- Applicant communication
- Bilingual in [Filipino/Tagalog]
- Loan origination
- Consumer lending
Timeline
Loan Officer II
True North FCU
10.2008 - 03.2025
Invoicing/Accounting Clerk
Walmart
08.2007 - 10.2008
Pharmacy Assistant/Technician
Mercury Drug
11.2003 - 12.2004
Front Desk Clerk/Receptionist
Mokkho Hotel
05.2003 - 11.2003
Bachelor of Science - Computer Science
ACTS COMPUTER COLLEGE
Similar Profiles
Marquee-Tyler DydascoMarquee-Tyler Dydasco
Loan Officer at True North FCULoan Officer at True North FCU
Jonathan BaileyJonathan Bailey
Marketing Manager at True North Sports + Entertainment, True North Sports + Entertainment LtdMarketing Manager at True North Sports + Entertainment, True North Sports + Entertainment Ltd
Minelly DoneMinelly Done
PT Bank Teller at NORTH JERSEY FCUPT Bank Teller at NORTH JERSEY FCU
Harrison LawHarrison Law
Umpire at Tassajara Valley Little LeagueUmpire at Tassajara Valley Little League
Caleb ChangCaleb Chang
Research Intern at UCI x GATI Paid Research Internship – University of California, IrvineResearch Intern at UCI x GATI Paid Research Internship – University of California, Irvine