Summary
Overview
Work History
Education
Skills
Timeline
Generic

Terra Monroy

Citrus Heights,CA

Summary

Talented Senior Funding Analyst knowledgeable about the current Auto financing market. Proficient time manager and collaborative team player trained in loan and underwriting processes. Results-oriented Senior Funding Analyst highly effective at coordinating documents and processes between departments and individuals. Expert negotiator, problem solver and organizer. Over 15 years of experience in loan processing. Excellent communicator and decision maker with a strong eye for detail and a proactive nature.


Overview

21
21
years of professional experience

Work History

Loan Processor

Elite Acceptance Corp
Sacramento, CA
01.2017 - Current
  • Facilitate verification of income, employment, residency, driver’s license, insurance, references, credit reports and any other required verifications.
  • Maintain effective working relationships with dealership staff in order to acquire needed follow-up information from dealership and/or customers.
  • Ensure funded loans meet performance standards.
  • Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
  • Worked with customers in person and via telephone to answer questions, process transactions and resolve issues.
  • Maintained compliance with privacy and security requirements, as well as federal statutes covering Automobile loans.
  • Provided quick turnaround times to maintain fast-past schedule.

Loan Document Specialist

Wells Fargo Dealer Services
Roseville, CA
01.2006 - 01.2017
  • Review approved loan applications and contracts to ensure stipulations and conditions have been met and are in adherence to company policy and regulations.
  • Ensure that information on provided documents are complete, accurate and validated.
  • Analyze various pay stubs and tax returns to determine satisfaction on income verification stipulations.
  • Interact professionally with dealers, customers and other vendors to obtain missing or invalid information and documentation.
  • Carefully reviewed all documents and reports for completeness and accuracy.
  • Verified credit histories, personal references and employment backgrounds for each applicant.
  • Filed completed loan applications with underwriting and made approval or denial recommendations.
  • Conducted pre-funding and funding activities for over 150 monthly applications.

Senior Service Representative

Safe Credit Union
North Highlands, CA
02.2001 - 01.2006
  • Providing customer instructions on SAFE services such as various rates, different products, Internet Services and Consumer Loans.
  • Assist with processing of multiple loan types such as consumer loans, mortgages and home equity loans.
  • Input new customer account information into centralized data base.
  • Conduct training classes and presentation of information to new members and employees on Internet Services.
  • Maintained customer satisfaction with forward-thinking strategies focused on addressing customer needs.
  • Investigated and resolved customer inquiries and complaints quickly.
  • Trained new personnel regarding company operations, policies and services.
  • Delivered excellent customer service, resulting in consistent 98% customer satisfaction rating.

Education

Some College (No Degree) - Early Childhood Education

American River College
Sacramento, CA

Skills

  • Skills & Qualifications:
  • Data Quality
  • Processing Funding
  • Income Verification
  • Financial Problem Assessments
  • Team Training and Mentoring

Timeline

Loan Processor

Elite Acceptance Corp
01.2017 - Current

Loan Document Specialist

Wells Fargo Dealer Services
01.2006 - 01.2017

Senior Service Representative

Safe Credit Union
02.2001 - 01.2006

Some College (No Degree) - Early Childhood Education

American River College
Terra Monroy
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