Ruby Gallegos
Midland,TX
Summary
Detail-oriented Loan Officer with extensive experience in managing loan applications from interview to approval. Skilled in evaluating financial data, ensuring regulatory compliance, and identifying discrepancies. Streamlined operations to enhance efficiency and improve customer satisfaction. Strong communicator with a history of collaborating with diverse clients to achieve financial objectives.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer Assistant
Benchmark Mortgage
Midland, TX
07.2018 - 09.2022
- Guided clients through mortgage applications and documentation processes to ensure accurate submissions.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
- Facilitated communication between borrowers, realtors, title companies, and loan management to streamline processes.
- Oversaw loan files and ensured compliance with company policies to mitigate risks.
- Prepared loan disclosures and closing documents for processing.
- Collaborated with underwriting teams to address potential loan issues promptly.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Executed administrative tasks including creating status reports on loan progress and managing document handling.
- Coordinated with closing agents to ensure a smooth closing process for customers' loans.
- Analyzed financial statements to ensure compliance with bank policies and procedures.
Staff Accountant
First Capital Bank of Texas
Midland, TX
08.2014 - 07.2018
- Reviewed and processed vendor invoices, ensuring timely payment authorization and maintaining vendor relationships.
- Managed payment schedules and prioritized invoices to enhance processing efficiency and meet financial deadlines.
- Communicated with vendors regarding payment status and inquiries effectively.
- Assisted with journal entries related to accounts payable transactions, supporting accurate financial reporting.
- Trained junior staff on accounting procedures and best practices.
- Supported month-end closing efforts to ensure timely financial reporting and accurate account reconciliation.
- Processed payroll for all employees in accordance with established guidelines.
- Reviewed timecards for accuracy before processing bi-weekly payroll runs.
Lead Teller
First Capital Bank of Texas
Midland, TX
06.2012 - 08.2014
- Supervised daily operations of branch teller team, enhancing service quality and team performance.
- Managed cash transactions and ensured accuracy in daily cash handling.
- Assisted customers with account inquiries, resolving issues promptly to improve customer satisfaction.
- Trained new tellers on bank policies and customer service best practices.
- Monitored compliance with banking regulations and internal policies consistently.
- Identified potential fraud risks and suspicious activities, safeguarding branch's financial integrity.
- Served large number of customers during high volume shifts and remained composed and professional in stressful situations.
- Provided support during audits by preparing necessary documentation and reports.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Collaborated with external vendors to ensure proper maintenance of ATMs and other banking equipment.
- Kept teller window areas clean, organized, and fully stocked.
Education
Associate of Applied Science - Business Systems
Midland College
Midland, TX05-2012
High School Diploma -
Reagan County High School
Big Lake, TX05-2010
Skills
- Mortgage compliance
- Loan compliance
- Document organization
- Customer relationship management
- Vendor management
- Accounts payable
- Payroll administration
- Year-end closing
- Month-end closing
- Audit support
- General ledger posting
- Ten-key operation
- Meeting deadlines
- Cash handling
- Detail orientation
- Problem solving
- Training and mentoring
- Team leadership
- Conflict resolution
- Communication skills
Languages
Spanish
Limited
Certification
Certificate of Administrave Clerk
Timeline
Mortgage Loan Officer Assistant
Benchmark Mortgage
07.2018 - 09.2022
Staff Accountant
First Capital Bank of Texas
08.2014 - 07.2018
Lead Teller
First Capital Bank of Texas
06.2012 - 08.2014
Associate of Applied Science - Business Systems
Midland College
High School Diploma -
Reagan County High School