Summary
Overview
Work History
Education
Skills
Timeline
Generic

Ricardo Magana

Star,ID

Summary

Self motivated with years of experience in consumer / business lending. Experienced in assessing risk, analyzing financial documents and making informed decisions. Demonstrates strong analytical skills, sound judgement and attention to detail.

Overview

19
19
years of professional experience

Work History

SBA Underwriter

ICCU
Meridian, ID
03.2023 - Current
  • Utilizes diverse data tools and processes to analyze and interpret business and personal financial statements.
  • Analyze risk of loan request. Ensures Credit Presentation meets Underwriting / SBA standards to drive risk selection and profitability.
  • Collaborated with loan originators and processors to gather necessary documentation.
  • Verified accuracy of documentation such as income statements, tax returns, bank statements and other related documents.

SBA Processer

ICCU
Meridian, ID
02.2022 - 03.2023
  • Obtained necessary documentation needed to satisfy closing conditions. Coordinated with applicants / third parties to gather missing information or documents.
  • Reviewed documentation to ensure accuracy before submitting them to underwriters.
  • Created loan documents, ensuring compliance with commercial / SBA guidelines.

Loan Officer

ICCU
Star, ID
02.2020 - 02.2022
  • Met with applicants to obtain information for consumer loan applications and answer questions about process.
  • Responded promptly to customer inquiries regarding their accounts or other matters related to consumer lending operations.
  • Approved or denied loan applications and explained reasoning behind decisions.
  • Reviewed credit histories, income statements, and other financial information of loan applicants.
  • Certified Spanish Speaker.

Member Service Specialist

ICCU
Ustick, ID
05.2019 - 02.2020
  • Assisted members with deposits, withdrawals, wire requests, and account maintenance.
  • Offered additional products that would position the member to improve financially.
  • Provided exceptional customer service to members and guests by answering inquiries, resolving complaints, and providing information in a timely manner.

Sales Representative

Coca-Cola
Boise, ID
07.2018 - 05.2019
  • Managed multiple locations. Ensuring sufficient inventory levels and backroom organization. Responsible for ordering Coca-Cola products.
  • Built and maintained multiple displays according to guidelines.
  • Established relationships with store management and employees.

Store Director

Sprouts Farmers Market
Tustin, CA
01.2017 - 06.2018
  • Hired, trained, and supervised store personnel including cashiers, stockers, department managers, and assistant directors.
  • Increased store revenues by cultivating new customers, providing superior service, and applying pricing strategies and up-selling techniques.
  • Identified potential opportunities for growth within the store and developed plans to capitalize on them.
  • Implemented strategies to reduce shrinkage losses due to theft or mismanagement of inventory.

Multiple Roles

Sprouts Marketplace
San Clemente, CA
08.2005 - 01.2017
  • Began career as a bagger and was promoted to multiple management roles.
  • Roles included Dairy, Frozen, Grocery, 4th, 3rd, and Assistant Manager.
  • Responsible for ordering, training, resets and health code compliance.

Education

High School Diploma -

Laguna Hills High School
Laguna Hills, CA
06-2007

Skills

  • Credit analysis
  • Documentation review
  • Analyzing data
  • Risk mitigation
  • Responsibility
  • Positivity

Timeline

SBA Underwriter

ICCU
03.2023 - Current

SBA Processer

ICCU
02.2022 - 03.2023

Loan Officer

ICCU
02.2020 - 02.2022

Member Service Specialist

ICCU
05.2019 - 02.2020

Sales Representative

Coca-Cola
07.2018 - 05.2019

Store Director

Sprouts Farmers Market
01.2017 - 06.2018

Multiple Roles

Sprouts Marketplace
08.2005 - 01.2017

High School Diploma -

Laguna Hills High School

Similar Profiles

CREATE PROFILE
Ricardo Magana