RUMINA VASILEVA
Sheboygan,WI
Summary
Dedicated and detail-oriented Mortgage Loan Officer with over 6 years of experience in financial services. Proven expertise in underwriting, risk analysis, and client relationship management. Strong background in evaluating financial risk and ensuring compliance with regulatory guidelines. Seeking to transition into a Commercial Lines Underwriter role at Acuity, where I can leverage my analytical skills and client management experience to contribute to underwriting excellence and agency partnerships.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Mortgage Loan Officer
Sheboygan Area Credit Union
Sheboygan, USA
05.2024 - Current
- Process and underwrite mortgage loans, including purchases, refinances, home equity loans, and lines of credit, ensuring seamless execution from application to closing
- Conduct in-depth risk assessments, analyzing financial information and credit reports to make sound lending decisions while maintaining compliance with all regulatory requirements
- Build and strengthen member relationships by offering personalized financial solutions, including advising on mortgage products and deposit services
- Collaborate closely with the mortgage processing department, title companies, attorneys, realtors, and insurance agents to ensure a seamless experience for clients throughout the loan process.
Consumer Loan Officer
Sheboygan Area Credit Union
Sheboygan, USA
10.2021 - 05.2024
- Managed the underwriting process for consumer loans, including HELOCs, vehicle loans, and unsecured credit, balancing risk assessment with customer needs
- Performed comprehensive financial analyses to determine creditworthiness and ensured compliance with internal policies and external regulations
- Developed strong relationships with members, consistently exceeding sales targets by cross-selling additional products such as insurance and loan protection services
Personal Banker
Wells Fargo
Mequon, USA
10.2020 - 10.2021
- Delivered personalized financial solutions by assessing individual client needs, recommending deposit and loan products, and guiding them through the application process
- Provided ongoing account maintenance, ensuring compliance with regulatory requirements while fostering client loyalty
- Achieved performance metrics consistently, contributing to branch sales goals and overall growth through targeted cross-selling and upselling efforts
Teller
Wells Fargo
Sheboygan, USA
08.2018 - 10.2020
- Recognized as the top-performing teller regionally, surpassing sales goals and earning the distinction of Star Employee
- Managed daily cash transactions, account inquiries, and customer service issues while maintaining high standards of accuracy and customer satisfaction
- Actively promoted and referred banking products and services to customers, directly contributing to branch sales targets and recognition
Brand Leader
BonTon
Sheboygan, USA
03.2016 - 08.2018
- Led a small team in achieving sales goals through effective team management, promotional activity execution, and customer engagement strategies
- Built and maintained strong customer relationships, focusing on enhancing satisfaction and fostering brand loyalty, resulting in increased store performance
Education
Bachelor of Arts (B.A.) - Business Information Systems
University of Economics
Varna, Bulgaria05-2012
Skills
- Underwriting and Risk Assessment: Extensive experience in evaluating financial applications and assessing risks
- Financial Analysis: Skilled in reviewing financial data and credit reports to make sound financial decisions
- Client Relationship Management: Proven ability to develop and maintain long-term client relationships
- Regulatory Compliance: In-depth knowledge of regulatory requirements and procedures
- Communication: Excellent verbal and written communication skills, effective in working with clients and internal teams
Languages
Bulgarian, Native
Languages
Bulgarian
Native/ Bilingual
Certification
- NMLS Certified: Licensed to originate mortgage loans, demonstrating compliance with regulatory standards.
- Notary Public: Authorized to notarize documents, adding credibility and legal assurance to client transactions.
Accomplishments
- Star Employee Recognition: Acknowledged at the regional level while at Wells Fargo for exceeding sales goals and exceptional performance.
Timeline
Mortgage Loan Officer
Sheboygan Area Credit Union
05.2024 - Current
Consumer Loan Officer
Sheboygan Area Credit Union
10.2021 - 05.2024
Personal Banker
Wells Fargo
10.2020 - 10.2021
Teller
Wells Fargo
08.2018 - 10.2020
Brand Leader
BonTon
03.2016 - 08.2018
- NMLS Certified: Licensed to originate mortgage loans, demonstrating compliance with regulatory standards.
- Notary Public: Authorized to notarize documents, adding credibility and legal assurance to client transactions.
Bachelor of Arts (B.A.) - Business Information Systems
University of Economics
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