RENE CAMACHO
Los Angeles,CA
Summary
Astute Loan Processor bringing [Number] years of experience in banking and financial positions. Work well with people of all backgrounds to complete loan packages. Adept at building loyalty and trust between bank and customer. Accurate and dedicated [Job Title] evaluates financial documentation and promotes positive client interactions. Works exceptionally well in fast-paced environments driven by tight deadlines. Employs critical eye toward document details and customer information to avoid errors and promote efficiency.
Overview
24
24
years of professional experience
Work History
SENIOR LOAN CLOSER/PROCESSOR
LA FINANCIAL CREDIT UNION
09.2020 - 05.2023
- Collaborated with loan officers to develop strategies for managing loan application processing.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Reviewed and validated details of loan applications and closing documentation.
- Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
Grocery Clerk
SUPERIOR GROCERY STORE
03.2020 - 10.2020
- Inspected floor displays, noted missing items, and immediately replenished merchandise.
- Identified and resolved discrepancies and errors in customer accounts.
- Addressed customer complaints and concerns, providing mutually beneficial solutions.
- Assisted customers by finding items quickly to boost store satisfaction rates.
- Assisted customers in the Meat Department as a Butcher
- Monitored self-checkout systems and provided help in resolving complex problems.
- Cleaned and maintained store aisles and merchandise displays to provide customers with positive experience.
MORTGAGE SPECIALIST
FIRST SECURITY LENDING
01.2008 - 12.2010
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Explained legal aspects of loan to borrower, as well as payment terms and clauses.
- Reviewed loan files and updated to match current standards.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Worked with various lenders to find best deal for [Number] homebuyers per month.
- Motivated and developed employees by creating incentives to encourage employees to excel and maintain low turnover rate.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
SENIOR COMMERCIAL LOAN CLOSER/PROCESSOR
IMPERIAL CAPITAL BANK/EXPRESS
09.2002 - 12.2007
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Calculated debt-to-income ratios to determine maximum loan amounts and avoid overextending applicants.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Handled any conditions sent from underwriting departments.
- Confirmed applicants met lender requirements to repay loans by reviewing applications to determine eligibility.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
ASSISTANT MANAGER/CONSUMER LOAN OFFICER
ABE FEDERAL CREDIT UNION
10.1999 - 08.2002
- Liaised with credit bureaus, employers and other sources to check applicants' credit and personal references.
- Stayed up to date on loan regulation changes, processing loan applications in compliance with current laws.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
- Corroborated on-time payments and meeting of loan terms by assessing customer accounts.
- Consulted with outside vendors to identify and resolve loan closing issues.
- Readied Truth-in-Lending Disclosures for loan applicants, delivering important information about loan APR and repayment terms.
Education
Associate of Arts - ACCOUNTING
PASADENA CITY COLLEGE
1570 E COLORADO BLVD PASADENA, CA2001
CERTIFICATE - ACCOUNTING
NATIONAL EDUCATION CENTER
1500 EASTERN AVE COMMERCE, CA06.1997
Skills
- Complete Loan Applications
- Performance Assessment and Improvement
- Sound Judgment
- Payoff Planning
- Underwriting Collaboration
- Government Standards
- Bank Secrecy Act
- Bank Security Issues
- Coordinate Applications
Additional Information
I HAVE A 9-10 YEAR GAP IN EMPLOYMENT FROM AOUND 2011 T0 2019, THAT WAS DUE TO MEDICAL REASONS DUE TO A CAR ACCIDENT THAT OCCURED IN MARCH 2011.
Languages
Spanish
Professional Working
Timeline
SENIOR LOAN CLOSER/PROCESSOR
LA FINANCIAL CREDIT UNION
09.2020 - 05.2023
Grocery Clerk
SUPERIOR GROCERY STORE
03.2020 - 10.2020
MORTGAGE SPECIALIST
FIRST SECURITY LENDING
01.2008 - 12.2010
SENIOR COMMERCIAL LOAN CLOSER/PROCESSOR
IMPERIAL CAPITAL BANK/EXPRESS
09.2002 - 12.2007
ASSISTANT MANAGER/CONSUMER LOAN OFFICER
ABE FEDERAL CREDIT UNION
10.1999 - 08.2002
Associate of Arts - ACCOUNTING
PASADENA CITY COLLEGE
CERTIFICATE - ACCOUNTING
NATIONAL EDUCATION CENTER
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