Growing up as a child, I would help my grandfather plant mango, star fruit, and calamansi plants in the back yard of my parents home. For ten years (as a child to a adult) I would be taught that hard work, consistently, and patience are the main factors to growing any type of plants you may have. Where these three factors have got me to where I am and will hopefully help me reach newer opportunities in the future. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.
Overview
6
6
years of professional experience
Work History
Loan Servicing Specialist
Community First Guam Federal Credit Union
09.2023 - Current
Improved loan processing efficiency by streamlining documentation and workflow procedures.
Reduced loan delinquency rates by implementing effective communication strategies with borrowers.
Enhanced customer satisfaction through timely resolution of loan servicing issues.
Conducted thorough reviews of loan applications, ensuring accuracy and compliance with company policies.
Provided expert guidance to borrowers throughout the entire loan process, from application to disbursement.
Maintained a strong working knowledge of federal regulations, staying up-to-date on changes affecting the industry.
Worked closely with collections department on delinquent accounts, coordinating efforts for maximum recovery results.
Supported management in strategic decision making by providing comprehensive reports on portfolio health and trends quarterly basis.
Contributed to increased referral business through exceptional customer service during both the application and servicing stages of loans.
Reviewed and validated details of loan applications and closing documentation.
Calculated, reviewed and corrected errors on interest, principal and closing costs.
Set up, stored and updated customer files, department records and regulatory paperwork.
Affirmed loan document accuracy to protect lenders from potential fraud.
Verified credit histories, personal references and employment backgrounds for each applicant.
Contacted customers via mail, telephone and email to relay acceptance or rejection of applications.
Consulted with outside vendors to identify and resolve loan closing issues.
Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
Provided professional advice on loan applications by interviewing applicants, reviewing applications and verifying information gathered.
Managed relationships with external partners including credit bureaus, appraisers, and title companies for streamlined operations.
Developed and implemented training programs for new Loan Servicing Specialists, improving overall team performance.
Analyzed financial statements for risk assessment during underwriting process, contributing to higher quality loan portfolio growth.
Enhanced customer satisfaction by addressing insurance-related inquiries and resolving issues promptly.
Streamlined policy management by regularly updating client information and tracking policy changes.
Strengthened client relationships through consistent follow-ups, ensuring timely renewals and retention.
Ensured regulatory compliance through diligent monitoring of company practices and adherence to guidelines.