Summary
Overview
Work History
Education
Skills
Timeline
Generic

Vilma Moya

Madison,WI

Summary

Dynamic Consumer Lending Specialist II at UW Credit Union with expertise in loan underwriting and risk evaluation. Proven track record in achieving individual loan volume goals while fostering team collaboration. Bilingual communicator adept at enhancing member experiences and driving departmental success through quality assurance and effective problem-solving.

Overview

14
14
years of professional experience

Work History

Consumer Lending Specialist II

UW Credit Union
Madison, WI
10.2021 - Current
  • Consistently uses needs based consultative-style interactions to identify loan products that will financially benefit the member.
  • Offers a Personalized suite of protection products for each member that will enhance and protect their loans and credit.
  • Responsible for individual goals including loan volumes and booking efficiency.
  • Demonstrate knowledge of sales behaviors and activities and has incorporated at least some of them to obtain referrals that contribute to departmental and organization goals.
  • Evaluates risk for the individual member and the organization in all applications, bot within and beyond guidelines.
  • Underwrites loans-based loan authority and makes decision recommendations on applications outside of authority.
  • Effectively determines exceptions to guidelines and employs consistently in applicable situations. Exercises sound judgment in determining compensating factors, based decisions on these factors, and notates appropriately in applications.
  • Can calculate verification of income from paystubs and has some knowledge of self-employment tax returns. Understands basic trustee powers language in Certifications of Trust.
  • Consistently monitors the queue awaiting final approval and own queue to ensure timely decision and application booking.
  • Approval and delinquency ratios are within the range established by management for the economy or other compensating factors.
  • Consistently educate members about their loan details and additional protection products.
  • Demonstrates positive problem-solving skills to effectively resolve member concerns and issues in almost all situations. Sets an example for other lenders to de-escalate most frustrated members calls.
  • Consistently document member interactions, appropriate decision comments and exceptions in loan software to ensure loan applications are accurate and complete in accordance with the department's service philosophy.
  • Completes application follow up and closings in a timely fashion based on member's preferred delivery channel and timing.
  • Assists other team members with loan queues during unexpected or extended absences.
  • Assumes responsibility for own development through training, collaborations, and teamwork. Assists in mentoring or project work if requested. Actively participates in meetings and departmental activities, taking, taking a leadership role when appropriate.

Distributor Service Supervisor

Hy Cite Enterprises
Middleton, WI
11.2019 - 10.2021
  • Supervise team of 11 employees and delegate duties and responsibilities to each employee.
  • Addressed areas that needed improvement and observed team's performance.
  • Aided onboarding team members with one-on one training sessions.
  • Reviews and replies to emails daily and solves problems internal and external of the department.
  • Train new and current employees through current training plan and the developments of new lessons or programs, according to business need.
  • Analyze Return Approval and Sample Balance queue, make good business decision when evaluating those queues.
  • Help other departments and give the appropriate follow-up when needed.

Bilingual Underwriting Department Credit Analyst

Hy Cite Enterprises
Middleton, WI
07.2013 - 10.2019
  • Developed comprehensive understanding of financial statements, enhancing opportunities to assess risk.
  • Reviewed customer financial data to ascertain level of risk involved for extending credit.
  • Conducted credit reviews on corporations to assess financial conditions.
  • Requested financial documents from customers.
  • Prioritized and organized tasks to efficiently accomplish service goals.
  • Use understandable and professional written communications to convey credit decision to our Distributor Network.
  • Overwrite the analyst decision.
  • Give exception to distributors based on their performance.

Financial Services Representative-Bilingual

US Cellular
Madison, WI
07.2011 - 07.2013
  • Gathered required information from customers for settlement reviews to help negotiate down debt.
  • Responsible for collecting delinquent customer accounts based upon company guidelines and addressing customer inquires and issues related to Financial Services or general service activity.
  • Receive inbound calls from customers with past due accounts, collecting payment or negotiating payment arrangement to bring their accounts up to date.
  • Assist in other tasks or projects as assigned.
  • Mentoring new hires bilinguals and non-bilinguals, shadow first week of calls with new hires.

Education

Bachelor of Science - Business

Edgewood College
Madison
05.2011

Associate of Science - Finance

Madison Area Technical College
Madison
05.2008

High School Diploma -

Middleton High School
Middleton, WI
05.2006

Skills

  • Understanding of finances
  • Quality assurance controls
  • Supervisory role experience
  • Adaptive team player
  • Data evaluation
  • Bilingual
  • Financial analysis
  • Loan underwriting
  • Queue management
  • Credit evaluation

Timeline

Consumer Lending Specialist II

UW Credit Union
10.2021 - Current

Distributor Service Supervisor

Hy Cite Enterprises
11.2019 - 10.2021

Bilingual Underwriting Department Credit Analyst

Hy Cite Enterprises
07.2013 - 10.2019

Financial Services Representative-Bilingual

US Cellular
07.2011 - 07.2013

Bachelor of Science - Business

Edgewood College

Associate of Science - Finance

Madison Area Technical College

High School Diploma -

Middleton High School

Similar Profiles

CREATE PROFILE
Vilma Moya