Rosa Alba
Summary
Senior Loan Administrator with strong expertise in loan documentation and Laserpro software. Committed to managing document preparation and compliance, while driving process improvements to enhance operational efficiency and ensure timely closings.
Overview
32
32
years of professional experience
Work History
Senior Loan Administrator
Southwest Heritage Bank
Las Cruces
04.2019 - Current
- Manage and prepare high volumes of loan documents with multiple lenders simultaneously in a timely manner.
- Prepare new and renewal loan documents (including SBA) within Laserpro consistent with approval terms and conditions, bank policy, regulatory guidelines, and sound banking practice.
- Review of all loan documents prepared within Laserpro from all other loan administrators in the department ensuring accuracy consistent with approval terms and conditions, bank policy, regulatory guidelines, and sound banking practice.
- Collaborated with credit staff to ensure accuracy of loan documents through implementation of management policies and operating principles.
- Prepare proper collateral documentation, record liens and file UCCs with County and State and other governmental agencies.
- Work in conjunction with the credit staff on ensuring the accuracy of the loan documents by implementing management policies and/or operating principles.
- Communicate with other professionals, including attorneys and title companies in coordinating receipt and review of required documents to expedite the closing process.
- Investigated and analyzed loan documentation to resolve issues and complaints, enhancing the overall quality of loan processing.
- Prepared and submitted final loan packages to loan operations for boarding into bank's core system, ensuring compliance and accuracy.
- Ensure loan proceeds are disbursed accurately and appropriately.
- Maintained current knowledge of internal bank policies and procedures, laws, and regulations related to lending.
- Adheres to all Bank policies including, but not limited to the Bank Secrecy Act, Privacy Act, Anti-Money Laundering Regulations, and Information Security policy.
Services Department/Part Clerk and Rentals
Freeway Toyota
Hanford
09.2016 - 02.2019
- Greet all customers entering the service area with a Friendly, professional attitude, answer any question and direct them to the appropriate person or location.
- Answered phone calls, scheduled appointments, scheduled rentals.
- Retrieved vehicles for customers when picking up, delivered keys and repair order to the appropriate service advisor. Collected payment for parts, service, and rentals.
- Install tags in all vehicles brought in for service, check in all new vehicles delivered from freight truck.
- Opened service department, unlocked doors, displayed service promotion signs, and made bank deposits.
- Closed cash drawer at night.
- Filed all paperwork in vault, transferred data to systems and closed out daily report.
- Delivered training sessions and facilitated communication among staff.
Loan Processor
First New Mexico Bank
Deming
08.1994 - 08.2016
- Processed commercial deposits and cash transactions at drive-through window.
- Bookkeeper: daily balanced the General Ledger daily, weekly, and monthly.
- Loan Processor: Processed Commercial, consumer, real estate, agricultural, small business administration, farmers service administration, and construction loans within Laserpo. Post payments, accelerate rates, book loans for billing, process loan payoffs, release mortgages, Record or release car titles and mobile home titles. File UCC (Uniform commercial code) continuation, termination. File EFS (effective financing statement). Research corporation in good standing with the State of New Mexico. Research flood determination. Analyze escrow account for initial deposit. Call companies to obtain preliminary title policy, title reports, title search, survey, appraisal, property insurance, liability insurance, property taxes. Compiled and secured all necessary loan documentation. Coordinate mortgage packages with closing agent and or Escrow companies. Prepare and issue delivery of closing documentation and loan proceeds to title insurance company as may be required. Check mortgage loan documentation for accuracy and completeness according to bank requirements. Maintain consumer, commercial agricultural loan files and escrow loan files. Update all insurance, property taxes, payments, rate change and escrow analyze. Register car title and mobile home titles.
Education
The American Bankers associate degree -
The American Bankers
Online01-2004
High School Diploma -
Deming High School
Deming05-1982
Skills
- Loan origination
- Loan processing
- Loan servicing
- Loan documentation
- Underwriting guidelines
- Laserpro software
- Banking operations
- Payment processing
Timeline
Senior Loan Administrator
Southwest Heritage Bank
04.2019 - Current
Services Department/Part Clerk and Rentals
Freeway Toyota
09.2016 - 02.2019
Loan Processor
First New Mexico Bank
08.1994 - 08.2016
The American Bankers associate degree -
The American Bankers
High School Diploma -
Deming High School