Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Timeline
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Sjanna Bernal

Sjanna Bernal

San Antonio,TX

Summary

I’m a dedicated professional with over 25 years of experience in the financial services industry. Holding various roles during that time, as both a leader and individual performer, has resulted in wideranging contributions across multiple lines of business. My expertise and natural talents have led to results that exceed expectations in the areas of impacting growth, efficiency, employee engagement, compliance and accountability.

Overview

17
17
years of professional experience
1
1
Certification

Work History

Digital Mortgage Loan Officer

Pentagon Federal Credit Union
10.2019 - Current
  • Act as a trusted advisor and subject matter expert by providing sound advice in relation to borrower's home lending needs including purchase, refinance and equity transactions.
  • Fully explain the mortgage process and set expectations.
  • Complete applications over the phone, provide electronic content, encourage use of e-consent to facilitate timely closings, obtain intent to proceed, and necessary documentation.
  • Ensure all quality measures for the loan application are being met.
  • Serve as a member liaison throughout the processing period to ensure member needs are met, conveying the appropriate level of urgency and professionalism so that all expectations are exceeded.
  • Identify and resolve issues which may affect ability to meet previously established conditions and dates in a timely manner.
  • Proactively work with processors and underwriters to obtain credit approval within established timeframes.
  • Manage and maintain a robust pipeline of loans in various stages of processing while working remotely and in office.
  • Learn and utilize assigned programs and technology to maintain regulatory loan requirements.
  • Develop and maintain knowledge of Agency, Non-agency, VA and Home Equity lending policies and procedures.
  • Ensure compliance of regulatory guidelines, company policies, and quality assurance standards.

Branch Manager

Security Service Federal Credit Union
08.2007 - 05.2019
  • Responsible for the administration and efficient daily operation of a financial services branch, including all facets of business operations, product sales, member service, cash management, security and safety in accordance with strategic objectives.
  • Provided leadership, training, staff development, supervision and scheduling for credit union employees.
  • Responsible for meeting established goals and supporting new initiatives according to the enterprise’s strategic plan.
  • Developed new business and deepened member relationships by providing a superior level of service through daily member interactions and creating a culture of employee engagement.
  • Interviewed and hired qualified individuals for all positions.
  • Planned and facilitated monthly staff meetings and daily team building/sales huddles to ensure communication of critical operational information as well as promote and increase employee motivation.
  • Promoted two-way communication and acted as point of contact for employee issues including scheduling, training, and performance evaluations & counseling.
  • Analyzed historical data and forecasted future business needs to prepare bi-annual budget, including salary models, incremental expenses, and facility expenditures.
  • Compiled data and prepared monthly reports to accurately reflect and evaluate departmental performance.
  • Ensured that all guidelines were followed according to internal auditing standards, regulatory guidelines, and company policies.
  • Maintained expert knowledge of all products and procedures.

Education

Associate of Arts - Business Management

San Antonio College
San Antonio, TX
05.2014

Skills

  • Performance management
  • Operations and team leadership
  • Strong verbal and written communication
  • Self-motivated and driven
  • Results oriented and efficient
  • Detail oriented and organized

Accomplishments

  • Ranked #1 amongst loan officers for overall performance in 2023.
  • Chairman’s Club recipient for top funding loan officers in 2021.
  • Received “Rising Star Award” for individual performance as acting manager at Security Service Federal Credit Union and “Power Award” for number #1 branch in goal attainment.
  • Received “Wonder Woman Award”, Class of 2014 North San Antonio Chamber Leadership Lab.

Certification

NMLS # 1647982

Timeline

Digital Mortgage Loan Officer

Pentagon Federal Credit Union
10.2019 - Current

Branch Manager

Security Service Federal Credit Union
08.2007 - 05.2019

Associate of Arts - Business Management

San Antonio College

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Sjanna Bernal