Velma Gonzales
Floresville,TX
Summary
Highly skilled Loan Specialist with expertise in data accuracy and security. Hardworking professional with over 30 + years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures.
Bilingual offering 30+ years of expertise in loan application processing and payment negotiation. Excellent track record of explaining complex financial information in simplified terms to foster comprehension.
Vast knowledge of banking regulations and compliance procedures. Dedicated to maintaining professionalism and integrity.
Motivated to learn,grow and excel.
Overview
15
15
years of professional experience
Work History
Loan Operations Specialist
Firstmark Credit Union
San Antonio, Texas
03.2017 - Current
- Carry out day-day-day duties accurately and efficiently, such as Credit Disputes thru EOscar, Home Equity Modifications and Analysis, Verification of Deposits/Loans, ECM Approvals and Adjustments,
- Assist with some Credit Card duties.
- Efficiently process dealer checks received for payoffs and mail in payments and/or deposits and balance EOD.
- Audit Consumers loans and Home Equity loans processed month prior.
- Efficiently release auto titles on auto loans paid in full
- Open New Indirect accounts thru MeridianLink when given task.
- Demonstrate respect, friendliness and willingness to help wherever needed.
Real Estate Loan Processing Specialist
Firstmark Credit Union
San Antonio, Texas
11.2013 - 12.2016
- Performed duties in accordance with applicable standards, policies and regulatory guidelines to meet States standard Home Equity Regulations.
- Offered friendly and efficient service to members to get the loan ready for closing and funding.
- Developed and maintained courteous and effective working relationships with members and team members.
Consumer Loan Processing Specialist
Firstmark Credit Union
San Antonio, Texas
09.2006 - 01.2013
- Educated member on terms and conditions of loans to provide clear understanding.
- Compiled documentation necessary to successfully fund to meet our team goal.
- Consulted with member using positive communication and active listening skills, offering sound feedback and answering critical questions with effective solutions.
- Educated members about auto and personal loan options, benefits and restrictions.
- Reviewed members applications closely to identify any opportunities for further development and revenue.
Branch Manager
US Premier Federal Credit Union
Alexandria, VA
02.2000 - 08.2000
- Maintained friendly and professional customer interactions.
- Recommended loan approvals and denials based on customer loan application reviews.
- Submitted loan applications to loan underwriter for verification and recommendation.
- Supervised one teller with delivering efficient and friendly service to members while at lunch.
- Maintained one ATM with qualify control in balancing every morning and ordering cash when necessary.
Education
No Degree - Basics
San Antonio College
San Antonio, TXSkills
- Loan Modification
- Loan Documentation
- Lending Regulations
- Application Reviews
- Payment Schedule Computation
- Loan File Maintenance
- Loan Processing Coordination
- Terms Definition
- Complaint Handling
- Government Standards
- Credit File Updating
- Automated Underwriting Systems
- Credit History Review
- Credit Bureau Information
- Microsoft Excel
- Legal Documentation
- USA Patriot Act
- Oral and Written Comprehension
- Quality Control Policies
- 10-Key Data Entry
- Product Knowledge
- Active Listening and Learning
- Analytical and Critical Thinking
- Conflict Resolution Techniques
- NMLS Registration
- 10-Key Typing
- Compliance Observance
Timeline
Loan Operations Specialist
Firstmark Credit Union
03.2017 - Current
Real Estate Loan Processing Specialist
Firstmark Credit Union
11.2013 - 12.2016
Consumer Loan Processing Specialist
Firstmark Credit Union
09.2006 - 01.2013
Branch Manager
US Premier Federal Credit Union
02.2000 - 08.2000
No Degree - Basics
San Antonio College
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