Samantha Llanas
San Antonio,TX
Summary
Detail-oriented Loan Specialist experienced in assessing credit histories and tailoring loan solutions to meet customer needs. Developed strong client relationships and ensured compliance with lending guidelines while effectively managing accounts and negotiating repayment arrangements. Committed to delivering quality service through clear communication and a thorough understanding of banking products.
Overview
10
10
years of professional experience
Work History
Loan Specialist
Action Credit Loans
San Antonio, TX
07.2024 - Current
- Reviewed consumer loan applications using Atlas Credit Company’s lending guidelines.
- Reviewed loan applications and credit information to determine potential customers' eligibility for loans.
- Verified borrower documents and income records for loan file accuracy.
- Explained loan terms and payment options to customers, ensuring clarity and understanding in branch settings.
- Processed loan disbursements and account updates in credit servicing systems.
- Processed loan modifications when requested by customers or required by lenders.
- Monitored delinquent accounts and contacted customers regarding repayment arrangements.
- Negotiated repayment schedules with delinquent borrowers to facilitate timely account updates.
- Prepared credit reports and account summaries for loan decision reviews.
- Compiled detailed reports on approved and denied loan applications, highlighting delinquency status for management review.
- Ensured lending compliance with company policies and state regulations.
- Coordinated with branch staff on loan files, customer requests, and servicing tasks.
- Performed periodic audits of existing customer accounts to ensure accuracy of information maintained.
- Analyzed financial statements of clients to assess their ability to repay loans.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Observed corporate and federal regulatory policies in terms of data security, privacy and confidentiality.
- Prepared detailed documentation for each loan transaction including closing documents.
- Identified valuable solutions for customers with credit problems.
Loan Specialist
Atlas Credit Company Inc
San Antonio, TX
12.2021 - 05.2023
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action.
- Observed corporate and federal regulatory policies in terms of data security, privacy and confidentiality.
- Spent ample time with each applicant to break down complex information into terms that easy to understand.
- Identified valuable solutions for customers with credit problems.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Assessed feasibility of loan approval by reviewing financial histories, available credit and current employment.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Met with applicants to obtain information to streamline loan application process, fielding questions regarding steps.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Reviewed consumer loan applications using Atlas Credit Company lending guidelines.
- Verified borrower documents and income records for loan file accuracy.
- Discussed loan terms and payment options with customers in branch settings.
- Processed loan disbursements and account updates in credit servicing systems.
- Monitored delinquent accounts and contacted customers regarding repayment arrangements.
- Prepared credit reports and account summaries for loan decision reviews.
- Ensured lending compliance with company policies and state regulations.
- Coordinated with branch staff on loan files, customer requests, and servicing tasks.
- Verified all documents provided by applicants for accuracy and completeness.
- Performed periodic audits of existing customer accounts to ensure accuracy of information maintained.
- Participated in regular training sessions on new products, services, policies, procedures.
- Reviewed loan applications and credit information to determine potential customers' eligibility for loans.
- Coordinated with other departments within the organization regarding loan applications, approvals, and rejections.
- Processed loan modifications when requested by customers or required by lenders.
Consumer Loan Specialist
Security Finance
San Antonio, TX
12.2020 - 12.2021
- Gathered and documented client financial information and application details meeting lending requirements and accurately representing client status.
- Prequalified borrowers based on credit criteria and offered debt counseling and financial education to clients and potential clients to help attain loan qualification.
- Built relationships with clients and used knowledge of consumer marketplace, products and finance to fully understand clients' personal plans and introduced suitable loan services.
- Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
- Locked loans in system with agreed-upon terms and managed locked pipelines through funding process.
- Managed communication between client and lending institution, explained refinancing options and insurance protection products and verified complete data on-hand to fund loans.
- Understood and complied with Bank Secrecy Act and anti-money-laundering standards to verify fair and legal transactions.
- Analyzed potential marketing opportunities to develop future business prospects and build pipelines and supported offsite and outbound promotions and sales campaigns.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Adhered to federal and state compliance guidelines relative to retail mortgage lending.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Provided expert financial advice on mortgage and both educational and personal loans.
Consumer Loan Specialist
Sun Loan Company
San Antonio, TX
11.2017 - 08.2020
- Gathered and documented client financial information and application details meeting lending requirements and accurately representing client status.
- Prequalified borrowers based on credit criteria and offered debt counseling and financial education to clients and potential clients to help attain loan qualification.
- Built relationships with clients and used knowledge of consumer marketplace, products and finance to fully understand clients' personal plans and introduced suitable loan services.
- Recommended loan terms, conditions and collateral position consistent with client request and associated loan risks and set clear and realistic expectations with clients.
- Collected and reviewed documentation from borrowers and converted to paperless format and mastered rate sheets, product codes and load price adjustments to calculate rates and fees.
- Identified opportunities for new and improved products, services and processes to enable highest levels of customer service, loan production, quality and competitiveness.
- Locked loans in system with agreed-upon terms and managed locked pipelines through funding process.
- Managed communication between client and lending institution, explained refinancing options and insurance protection products and verified complete data on-hand to fund loans.
- Understood and complied with Bank Secrecy Act and anti-money-laundering standards to verify fair and legal transactions.
- Analyzed potential marketing opportunities to develop future business prospects and build pipelines and supported offsite and outbound promotions and sales campaigns.
- Spent minimum of 50% of working hours outside of office to conduct sales calls and create, develop and maintain referral relationships to generate viable sales leads.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan.
- Executed loan origination process and ordered credit reports, appraisals and preliminary title reports.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Performed daily maintenance of loan applicant database.
- Obtained and compiled copies of loan applicants' credit histories, corporate financial statements and other financial information to update credit and loan files.
- Determined appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Provided expert financial advice on mortgage and both educational and personal loans.
Teller
Wells Fargo
San Antonio, Tx
08.2016 - 10.2017
- Processed deposits, withdrawals, and payments at Wells Fargo banking center.
- Balanced cash drawer and verified currency against transaction records.
- Greeted customers and delivered courteous service in branch lobby.
- Identified customer needs and referred opportunities to bankers and specialists.
- Followed bank policies, security rules, and cash handling standards.
- Prepared daily transaction reports and maintained accurate branch records.
Education
Medical Administrative Assistant - Medical Assisting
Everest Institute
San Antonio, TXHigh School Diploma -
Fox Technical High School
San Antonio, TXSkills
- Issue resolution
- Data security practices
- Policies and credit lines
- Customer support
- Credit option explanation
- Loan approvals
- Knowledge of VA loan process
- Collections proficiency
- Bank security issues
- Equifax Application Engine
- Bottom Line LoanMaster Loan Servicing
- Debt and credit management
- Customer service-focused
- Excellent communicator
- Reliable
- Cash handling expert
- Typing 45 WPM
- Sales expertise
- MS Office guru
- Excellent time management
- Cash dispenser operation
- Friendly
- Loan servicing
- Consumer lending
- Credit reporting
- Delinquency management
- Document verification
- Attention to detail
- Customer communication
- Problem solving
- Relationship building
- Cash handling
- Payment processing
Timeline
Loan Specialist
Action Credit Loans
07.2024 - Current
Loan Specialist
Atlas Credit Company Inc
12.2021 - 05.2023
Consumer Loan Specialist
Security Finance
12.2020 - 12.2021
Consumer Loan Specialist
Sun Loan Company
11.2017 - 08.2020
Teller
Wells Fargo
08.2016 - 10.2017
Medical Administrative Assistant - Medical Assisting
Everest Institute
High School Diploma -
Fox Technical High School