Yoselin Aparicio
Bridgeton,NJ
Summary
Highly-motivated employee with desire to take on new challenges. Strong work ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
3
3
years of professional experience
Work History
Loan Specialist - (GS 9)
USDA Rural Development
Vineland, NJ
09.2022 - Current
- Ensured that all loan processing activities were in compliance with relevant laws, regulations and RD program objectives.
- Assisted customers in understanding the terms of their loan and grant agreements and answered any questions they had about them throughout the application process.
- Maintained accurate records of all customer interactions related to loan processing activities.
- Applied risk management techniques to evaluate potential risks associated with granting loans.
- Participated in regular training sessions on National Office policies, procedures, and directives.
- Listened carefully to customer complaints and swiftly resolved issues by taking appropriate action or directing to superiors.
- Delivered high levels of customer service and facilitated smooth processes to individuals, groups, and the public without regard to race, color, religion, sex, national origin, age, marital status or physical or cognitive disabilities.
- Applied in-depth understanding of federal/state agencies' functions and activities alongside those of various government/non-government organizations engaged in rural assistance programs, family-living initiatives, home construction projects,and rural improvement endeavors.
- Applied knowledge of RD program objectives, regulations, and procedures to effectively underwrite loans.
- Determined ways in which agency services could assist low and very low-income rural families based on understanding of living conditions, social concerns, economic challenges, health issues and credit problems.
- Exhibited the ability to effectively articulate ideas through oral and written means.
- Utilized expertise in training techniques to effectively transfer knowledge on the objectives, policies, and procedures of all programs administered by the Rural Housing staff to newer team members.
- Executed assignments and projects independently, ensuring minimal supervision and proactive communication with Housing Program Director regarding any controversial findings.
- Attended and actively contributed to area and state office meetings, trainings, and volunteer projects in support of local non-profit organizations such as Habitat for Humanity.
- Provided loan closing instructions and collaborated with attorneys and title companies to facilitate the closing processing of legal instruments and documents for housing loans.
Loan Assistant - (GS 7)
USDA Rural Development
Vineland, NJ
08.2021 - 09.2022
- Evaluated credit history of individuals applying for agency programs by analyzing their infile and Tri-merge credit reports.
- Reviewed assistance applications and credit information to determine potential customers' eligibility for loans and grants.
- Verified all documents provided by applicants for accuracy and completeness.
- Conducted financial document analysis to evaluate loan repayment capacity and recommended suitable eligibility suggestions to senior staff members.
- Analyzed financial and credit data documents to make eligibility, feasibility, and credit-worthiness determinations on program applications.
- Ensured completion and compliance of loan files with prescribed regulations and practices prior to closing.
- Engaged in discussions with lenders and potential borrowers to clarify Rural Development programs and requirements.
- Prepared conditional commitments, funding commitments and notifications of loan closing, and certificates of eligibility.
Education
Associate of Arts - Liberal Arts / Elementary Education
Rowan College of South Jersey
Vineland08-2019
Skills
- Loan Underwriting
- Grant Underwriting
- Credit Analyzation
- Loan Processing
- Effective Communication
- Customer Support
Languages
Spanish
Native/ Bilingual
English
Native/ Bilingual
References
References available upon request.
Timeline
Loan Specialist - (GS 9)
USDA Rural Development
09.2022 - Current
Loan Assistant - (GS 7)
USDA Rural Development
08.2021 - 09.2022
Associate of Arts - Liberal Arts / Elementary Education
Rowan College of South Jersey
Similar Profiles
Tiffany HernandezTiffany Hernandez
Origination & Processing Division/Loan Specialist at USDA Rural DevelopmentOrigination & Processing Division/Loan Specialist at USDA Rural Development
Tess MollenaTess Mollena
Program Specialist at USDA Rural DevelopmentProgram Specialist at USDA Rural Development
Holly SchmidtHolly Schmidt
Loan Specialist (Commercial) (Community Programs) GS-1165-12 at USDA-Rural DevelopmentLoan Specialist (Commercial) (Community Programs) GS-1165-12 at USDA-Rural Development
Nicole GillespieNicole Gillespie
Sr. National Public Affairs and Marketing Director at USDA Rural DevelopmentSr. National Public Affairs and Marketing Director at USDA Rural Development
Natasha GutierrezNatasha Gutierrez
Home Health Aide at Right at homeHome Health Aide at Right at home