Robert Garcia
Irving,TX
Summary
At OneMain Financial, a seasoned Sr. Personal Loan Specialist excelled in mentoring and loan underwriting, showcasing a blend of exceptional customer service and analytical prowess. Achieved significant sales targets and fostered robust client relationships, enhancing loan processing efficiency and compliance. Demonstrated expertise in financial counseling and teamwork, contributing to a notable increase in customer satisfaction and repeat business. Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 25 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Overview
8
8
years of professional experience
Work History
Sr. Personal Loan Specialist
OneMain Financial
10.2016 - Current
- Mentored junior Personal Loan Specialists, sharing expertise in underwriting criteria and best practices for successful loan processing.
- Established a reputation as a trusted advisor among both clients and colleagues, resulting in increased business opportunities and professional growth.
- Participated in professional development programs to stay current on industry trends and legislative changes impacting consumer lending practices.
- Provided exceptional customer service throughout the entire loan lifecycle – from initial inquiry to final payment – fostering lasting client relationships built on trust and reliability.
- Maximized revenue generation with consistent achievement of sales targets for personal loans and related products.
- Collaborated with team members to achieve department goals for loan volume and customer satisfaction ratings.
- Developed strong client relationships, resulting in a high rate of repeat business and referrals.
- Educated borrowers on the importance of timely payments, contributing to an improved overall repayment rate among clients.
- Maintained compliance with all regulatory requirements through diligent documentation and thorough knowledge of industry guidelines.
- Improved application turnaround times by developing efficient workflows and prioritizing high-impact tasks.
- Enhanced customer satisfaction by providing personalized loan solutions based on individual financial needs.
- Processed loan applications and monitored progress from start to finish.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted customers with completing loan applications and other paperwork.
- Monitored pipelines to track and log status of loans.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
- Explained very technical financial information to applicants in easy to understand language.
- Negotiated loan terms and conditions with customers to secure best deal.
- Proactively identified solutions for customers experiencing credit issues.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Assisted clients in understanding credit scores, debt-to-income ratios, and other factors affecting their loan eligibility.
- Reduced delinquency rates by proactively monitoring portfolio performance and addressing potential issues before they escalated.
Education
High School Diploma -
Sweetwater High School
Sweetwater, TX06.1988
Skills
- Training and mentoring
- Documentation Review
- Loan Underwriting
- Credit analysis
- Financial Counseling
- Risk evaluation
- Goal-Oriented
- Loan Servicing
- Collections experience
- Loan Origination
- Loan Closing
- Loan Processing
- Performance Tracking
- Loan Modification
- Teamwork and Collaboration
- Customer Service
- Attention to Detail
- Multitasking
- Reliability
- Excellent Communication
- Customer service-focused
- Adaptability and Flexibility
- Microsoft Office
- Oral and Written Comprehension
- Loan Processing Coordination
- Self Motivation
- Income Evaluation
- Credit History Review
- Application Review
- Professional Demeanor
- Application verification
- Financial History Review
- Collections Management
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Sr. Personal Loan Specialist
OneMain Financial
10.2016 - Current
High School Diploma -
Sweetwater High School
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