Selene Hernandez
Fort Worth,TX
Summary
Experienced credit analyst with robust background in loan underwriting, specializing in evaluating borrower creditworthiness and making sound lending decisions. Proven track record of minimizing risk and ensuring loan compliance through thorough financial analysis, risk assessment, and documentation review. Reliable and adaptable, possessing strong analytical skills and attention to detail.
Overview
7
7
years of professional experience
Work History
Loan Underwriter
Texas Trust Credit Union
07.2023 - Current
- Assessed consumer credit reports for risk evaluation and credit decisions.
- Executed approval, decline, and counteroffers for credit decisions within authority limits.
- Maintained positive working relationships by effectively communicating decisions through various channels including oral communication, written documents, and emails.
- Executed periodic examinations of current loans to ensure compliance with loan covenants.
- Detected new sales avenues by assessing customer borrowing behaviors and financial demands.
- Assessed customer payment records and proposed suitable credit limits based on financial stability.
- Evaluated loan submissions thoroughly for areas necessitating extra documentation or clarification.
- Balanced multiple priorities while managing high volumes of loan applications during peak periods, consistently meeting deadlines without compromising quality or accuracy.
Member Solutions Advocate
Texas Trust Credit Union
06.2021 - 07.2023
- Collaborated with underwriters to expedite loan approvals and close deals in a timely manner.
- Cultivated lasting relationships with satisfied clients that led to repeat business as well as referrals from friends or family members.
- Identified opportunities to cross-sell and upsell loan products to customers.
- Operated loan origination software to input and monitor loan data, guaranteeing accuracy.
- Acted as subject matter expert on lending guidelines, offering guidance and training to team members.
- Exhibited meticulous attention to detail, ensuring flawless loan package submissions.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
Member Service Representative
Greater Texas Credit Union
09.2019 - 05.2021
- Facilitated service education for members while fostering long-term relationships by handling current account maintenance.
- Verified data through ChexSystems to prevent fraud, following Credit Union policies.
- Gained expertise in BSA Policy, Anti Money Laundering, and Member Due Diligence Procedures.
- Contributed to reaching credit union's monthly sales objectives and quotas.
- Awarded Employee of the Quarter in November 2020 after one year with company.
- Supported the onboarding process for new members, explaining benefits and assisting with paperwork completion.
- Managed daily balancing tasks reducing discrepancies in accounting records while maintaining accuracy.
Account Specialist
World Finance
04.2019 - 08.2019
- Employed knowledge of critical factors including debt ratios, payment/income analyses, revolving credit usage rates, and credit score evaluations to determine loan approvals.
- Reviewed each loan application for credit worthiness, maintained prompt communication with customers, and handled finalization of loans upon receiving signed documents.
- Reviewed and updated various loan files to ensure data accuracy.
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Implemented new loan origination procedure, increasing processing efficiency and accuracy.
Customer Service Representative III
CO-OP Financial Services
08.2017 - 03.2019
- Facilitated filling member applications for loan products and their comprehension.
- Exceeded performance metrics consistently, earning recognition as a top performer within the team.
- Complied with assigned schedule, including designated breaks.
- Handled customer inquiries, answered questions, and resolved problems in a timely manner
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
- Managed a high volume of calls daily, maintaining composure under pressure while providing exceptional service.
Education
Associate of Arts -
Tarrant County College
Arlington, TXSkills
- Bilingual
- Customer service
- Communication skills
- Credit analysis
- Attention to detail
- Problem-solving abilities
- Risk evaluation
- Data entry
- Underwriting guidelines
- Multitasking and organization
- Computer proficiency and Microsoft office
- Fraud prevention
Languages
Spanish
Full Professional
English
Full Professional
Timeline
Loan Underwriter
Texas Trust Credit Union
07.2023 - Current
Member Solutions Advocate
Texas Trust Credit Union
06.2021 - 07.2023
Member Service Representative
Greater Texas Credit Union
09.2019 - 05.2021
Account Specialist
World Finance
04.2019 - 08.2019
Customer Service Representative III
CO-OP Financial Services
08.2017 - 03.2019
Associate of Arts -
Tarrant County College
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