Summary
Overview
Work History
Education
Skills
Languages
Timeline
Generic

Raul F Cardenas

El Centro,CA

Summary

Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions. Organized Loan Officer Assistant bringing exceptional administrative and problem-solving skills focused on efficiently fulfilling loan requirements. Knowledgeable about checklists and disclosures, business correspondence and recordkeeping. Skilled at keeping all paperwork orderly and properly transferred. Manages high-volume loan paperwork in dynamic environments with high production, approval and customer relations targets. Expertise includes reviewing and validating personal, employment and financial histories for each applicant. Self-motivated and reliable with excellent teamwork, problem-solving and organizational skills. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

19
19
years of professional experience

Work History

Stocker Associate

Walmart
10.2022 - Current
  • Consistently lifted materials weighing as much as 100 pounds.
  • Performed inventory control, such as counting, and stocking merchandise.
  • Operated manual and electric pallet jacks, safely relocating heavy merchandise on sales floor for timely stocking.
  • Collaborated with backroom and receiving team, working night shifts to support inventory fulfillment goals.
  • Rotated stock correctly to prevent out-of-date products and removed aging items from main shelving to build special promotional displays.
  • Maintained effective team member communication.
  • Removed debris and packaging from boxes and separated for recycling or disposal.
  • Blocked and faced products on displays and shelves in accordance with company policy.
  • Checked packages and merchandise for damage and notified vendors.
  • Inspected work areas for cleanliness and obstacles and removed cartons and boxes to keep work areas organized and hazard-free.
  • Used hand-held devices and computers to record and monitor inventory levels and completed audits to uncover and address inaccuracies.
  • Operated equipment such as forklifts and balers to move outgoing shipments to loading area.
  • Received incoming shipments, compared contents against associated records and transmitted to proper department.
  • Handled high-volume paperwork and collaborated with administrators to resolve invoicing and shipping problems.

Loan Officer Assistant

Neighborhood Loans
04.2022 - 09.2022
  • Monitored key dates to obtain information by deadlines.
  • Communicated with customers daily to request information and complete paperwork.
  • Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
  • Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
  • Assembled important paperwork and disclosures for borrower.
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Maintained compliance with laws and regulations governing commercial loans.
  • Supervised loan personnel and motivated to maintain customer service and performance standards.
  • Explained very technical financial information to applicants in easy to understand language.
  • Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Developed and maintained automated tracking systems, hard copy files and records to enhance office workflows.
  • Inspected stocks to identify shortages, replenish supply and maintain consistent inventory.
  • Planned production schedules, taking employee production rates, company needs and seasonal changes into account.

Loan Officer Assistant

Paramount Residential Mortgage Group - PRMG
10.2020 - 03.2022
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
  • Maintained referral pipeline by reaching out regularly to real estate agents, referral partners, and past clients.
  • Set up files using loan officer checklist and submitted on-time for processing.
  • Assembled important paperwork and disclosures for borrower.
  • Monitored key dates to obtain information by deadlines.
  • Answered inquiries and provided superior customer service to clients.
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Reviewed and validated details of loan applications and closing documentation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Developed and maintained automated tracking systems, hard copy files and records to enhance office workflows.
  • Prepared and maintained comprehensive production reports to highlight production developments for management review.
  • Analyze reports and records and take necessary excel sheets to be calculated and disturbed to the correct addressees.

Assistant Loan Officer

Loan Brook
06.2020 - 10.2020
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Developed and maintained automated tracking systems, hard copy files and records to enhance office workflows.
  • Prepared and maintained comprehensive production reports to highlight production developments for management review.
  • Collaborated with cross-functional teams to align production plans with customer requirements.

Loan Officer Assistant

Franklin Loan Center
01.2016 - 05.2020
  • Assisted with timely loan closing and funding activities with efficient management of task checklists.
  • Monitored key dates to obtain information by deadlines.
  • Communicated with customers daily to request information and complete paperwork.
  • Prepared professional business correspondence on behalf of loan officer to obtain information and facilitate processing steps.
  • Coordinated with realtors and title companies to identify discrepancies and update different teams on processing progress.
  • Assembled important paperwork and disclosures for borrower.
  • Documented borrower's information in loan processing system and resolved any discrepancies.
  • Supported loan processing by compiling applicant documentation such as credit reports, employment verifications, and financial history paperwork.
  • Assisted in resolving customer complaints, following procedures to find mutually beneficial solutions.
  • Answered inquiries and provided superior customer service to clients.
  • Helped loan officers in preparing repayment plans for timely processing.
  • Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
  • Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
  • Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
  • Consulted with outside vendors to identify and resolve loan closing issues.
  • Reviewed and validated details of loan applications and closing documentation.
  • Set up, stored and updated customer files, department records and regulatory paperwork.
  • Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
  • Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
  • Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
  • Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
  • Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
  • Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
  • Calculated, reviewed and corrected errors on interest, principal and closing costs.
  • Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
  • Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
  • Developed and maintained automated tracking systems, hard copy files and records to enhance office workflows.
  • Prepared and maintained comprehensive production reports to highlight production developments for management review.
  • Created and implemented tracking systems to monitor progress and meet deadlines.

Assistant Manager

Advance America
01.2010 - 12.2015
  • Developed loyal and highly satisfied customer base through proactive management of team customer service strategies.
  • Mentored team members to enhance professional development and accountability in workplace.
  • Created employee schedules to align coverage with forecasted demands.
  • Made hiring recommendations to increase company's productivity and profitability with quality workers.
  • Monitored cash intake and deposit records, increasing accuracy, and reducing discrepancies.
  • Generated repeat business through exceptional customer service and responded to customer concerns with friendly and knowledgeable service.
  • Reviewed sales and gross profit report to assess company efficiency.
  • Strengthened merchandising and promotional strategies to drive customer engagement and boost sales.
  • Offered hands-on assistance to customers, assessing needs, and maintaining current knowledge of consumer preferences.

Barista Shift Lead

Starbucks
04.2007 - 07.2012
  • Restocked and cleaned stations and facilities to maintain cleanly and operable standards.
  • Served customers quickly and efficiently and created strategies to prevent delays.
  • Created superlative coffeehouse experience through customer service, beverage preparation, and presentation, in-store marketing and thorough cleanliness and sanitation of space.
  • Trained, scheduled, and supervised barista workers to maintain and uphold store policies and optimize staffing patterns.
  • Handled and resolved customer issues and complaints with professionalism and tact to drive customer satisfaction and repeat business.
  • Designed and adjusted work schedules to meet business demands.
  • Managed payroll, scheduling, ordering and other back-of-house tasks to drive operations and maximize sales and profitability.
  • Shipped material and performed boxing, packing, labeling, and preparation of related documents with organization skills.
  • Operated equipment such as forklifts and balers to move outgoing shipments to loading area.
  • Directed food preparation and cooking activities to meet health and safety standards.
  • Coordinated kitchen activities with front-of-house staff for seamless and service.
  • Supervised food presentation and plating to enhance visual appeal.
  • Maximized team productivity by expertly delegating tasks to kitchen staff.
  • Trained new hires in food handling and safety protocols to boost knowledge and performance.
  • Tracked orders and notified customers of status or potential delays.
  • Coordinated shipping requests for expedited delivery and documented accurately to achieve correct billing.
  • Forecasted production schedules and adjusted plans to accommodate changes in demand.
  • Conducted counts and audits of inventories to identify and resolve discrepancies in records.
  • Communicated with vendors and suppliers to verify timely delivery of goods.
  • Operated cash register to record transactions accurately and efficiently.
  • Performed cash, card and check transactions to complete customer purchases.

Food Service Team Member/Dishwasher

Hometown Buffett
08.2005 - 01.2007
  • Received orders from customers and input into order management system.
  • Set up and prepared cooking supplies and workstations during opening and closing to maximize productivity.
  • Distributed food during busy peak periods to drive customer satisfaction.
  • Strictly followed sanitation and food safety guidelines as required by regulatory agencies and company.
  • Kept supplies in sufficient stock by assessing inventory levels and reporting lower stock items.
  • Prepared food orders to support waitstaff and other team members.
  • Made food according to standard recipes with requested changes for customer satisfaction.
  • Maintained clean, trash-free workspaces to maximize productivity and safety.
  • Greeted customers at counter to fulfill requests and answer questions.
  • Communicated effectively with customers to plan large or specialized orders, providing customers with recommendations, samples, and response to particular requests.
  • Sanitized tables, high chairs and drink fountain areas after customer use and periodically throughout day.
  • Prevented food spoilage by monitoring dates, rotating stock, and following proper storage procedures.
  • Compiled recipe ingredients and prepared for cooks by washing, cutting, or measuring food items.
  • Cleaned and sanitized dishes and utensils, consistently keeping adequate supplies on hand for expected customer loads.
  • Tracked orders and notified customers of status or potential delays.
  • Coordinated shipping requests for expedited delivery and documented accurately to achieve correct billing.
  • Planned and supervised shipments from production to end-user and scheduled daily and weekly routes.
  • Generated documentation and information required for customer shipments.
  • Supply storage with receivable merchandise count shipments align all missing food. Manage coworkers on how merchandise needs to be properly organized within storage area. Maintain all records of supplies issued and verifying freezer temperature accordingly.
  • Used hand-held devices and computers to record and monitor inventory levels and completed audits to uncover and address inaccuracies.
  • Shipped material and performed boxing, packing, labeling, and preparation of related documents.
  • Reviewed order data to verify transactions and shipping dates.
  • Processed invoices and order forms for goods received and shipped for proof of transactions.
  • Operated equipment such as forklifts and balers to move outgoing shipments to loading area.
  • Followed supervisor instructions to complete tasks on time.
  • Directed work of cooks, food handlers and dishwashers to maintain efficient operations.

Education

GED -

Central Union Adult School
El Centro, CA
05.2023

Skills

  • Excellent attention to details Ability to maintain quality of work even
  • During times of high volume Basic Knowledge of lending processes, loan principles and loan systems
  • Ability to provide excellent customer service in person and on phone
  • Customer Interaction
  • Document Verification
  • Contacting Borrowers
  • Community Reinvestment Act
  • Customer Satisfaction
  • Customer Proposals
  • Cash Handling
  • Program Requirements

Languages

Spanish
Native or Bilingual

Timeline

Stocker Associate

Walmart
10.2022 - Current

Loan Officer Assistant

Neighborhood Loans
04.2022 - 09.2022

Loan Officer Assistant

Paramount Residential Mortgage Group - PRMG
10.2020 - 03.2022

Assistant Loan Officer

Loan Brook
06.2020 - 10.2020

Loan Officer Assistant

Franklin Loan Center
01.2016 - 05.2020

Assistant Manager

Advance America
01.2010 - 12.2015

Barista Shift Lead

Starbucks
04.2007 - 07.2012

Food Service Team Member/Dishwasher

Hometown Buffett
08.2005 - 01.2007

GED -

Central Union Adult School

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Raul F Cardenas