Rachael Castro
134 W Baba Ct Liguan Terrace Dededo,Guam
Summary
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
16
16
years of professional experience
Work History
Credit Officer II
Bank Of Guam
07.2023 - Current
- Evaluated creditworthiness of potential borrowers using thorough research and analysis techniques, minimizing default risks.
- Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
- Enhanced credit decision-making by conducting comprehensive financial analysis and risk assessments.
- Optimized lending practices by maintaining up-to-date knowledge of industry trends and regulatory requirements.
- Reviewed and verified income, credit reports and employment histories for each borrower.
- Adhered to banking standards and government lending guidelines for loan services.
- Trained new team members on company-specific processes, ensuring consistent standards across the credit department.
Loan Support Associate III
Bank Of Guam
05.2022 - 07.2023
- Monitor Incoming New Loan Documents and Perform the Imaging in Banks Electronic Document Depository
- Perform On-Boarding of New Loan Documents and apply Loan Codes as specified
- Perform Loan Transaction, Posting Rejects and Maintenance in Bank Core System
- Review and Resolve Note Exceptions
- Process Loan Renewals (Revision/Extension)
- Perform Non-Accrual/Charge-Off/Recovery Transactions
- Perform and Monitor Commercial Line of Credit (shortage & renewals)
- Review an record New Loan Exception using Loan Tickler for Action Items and Follow-Ups
- Perform Loan Interest Rate Change on applicable Loan Product Types and Post to Bank Core System
- Perform Amortization of Monthly Payment and Post to Bank Core System
- Perform Related Loan Programs such as SBA Monthly Reporting
Loan Support Associate II
Bank of Guam
01.2020 - 05.2022
- Monitor commercial collateral insurance
- Perform Credit Life Insurance reconcilement
- Perform force-placed insurance for consumer, commercial accounts
- Scan and index files into nautilus
- File documents into respective account folders
- Retrieve mail/work daily.
Pastry Sous Chef
Proa Restaurant
03.2008 - 12.2019
- Manage production and staff
- Prepares weekly schedule
- Manage incoming commercial sales
- Conducts and negotiates set dessert menu items for current and new commercial clients
- Assist in creating and costing new menu items
- Proficient in some administrative duties (MS Word/Excel, Xerox/Fax machine)
- Assist in ordering, receiving, stocking and conducting monthly inventory
- Deliver monthly vendor pricing updates for items on inventory
- Create invoices for commercial vendors
- Create templates for new and old menu items.
Education
Associates Degree -
Guam Community College
Mangilao, GuamHigh School Diploma -
Simon A. Sanchez High School
Yigo, Guam05.2008
Skills
- Customer Relations
- Credit analysis
- Documentation Management
- Financial statement review
- Credit validations
- Creditworthiness Determination
- Loan Underwriting
- Documentation Review
- Risk Assessment
- Documentation preparation
- Sales Support
- Loan Processing
- Documentation And Reporting
- Data Entry
References
- Norma I Yoshida, Senior HR Generalist, DZSP21 LLC, P.O. Box 11190, Yigo, Guam, 96929, (671)482-9695, norma.yoshida@dzsp21.com
- Raul Cordero, Executive Pastry Chef, Proa Restaurant, Hagatña, Guam, (671)483-2537, (671)588-7766, rcordero@proa.com
- Bertina Mendiola, Natural Resources Specialist, NAVFAC Marianas, P.O. Box 2736 GMF Barrigada, Guam, 96921, 671-688-6100, Tinamendiola@gmail.com
Timeline
Credit Officer II
Bank Of Guam
07.2023 - Current
Loan Support Associate III
Bank Of Guam
05.2022 - 07.2023
Loan Support Associate II
Bank of Guam
01.2020 - 05.2022
Pastry Sous Chef
Proa Restaurant
03.2008 - 12.2019
Associates Degree -
Guam Community College
High School Diploma -
Simon A. Sanchez High School
Similar Profiles
Steven E. UntalanSteven E. Untalan
Familia Ambassador Apprentice at Bank of GuamFamilia Ambassador Apprentice at Bank of Guam
Maria Leon GuerreroMaria Leon Guerrero
Executive Vice President & Chief Operating Officer at Bank Of GuamExecutive Vice President & Chief Operating Officer at Bank Of Guam
Verlyne M. QuitaroVerlyne M. Quitaro
Customer Experience Officer (Contact Center) at Bank of GuamCustomer Experience Officer (Contact Center) at Bank of Guam