Manager Customer
Resume:
ARMANDO CERVANTES
Chicago, IL 60632
*********************@*******.***
Financial professional with 6 years of related experience with the ability
to multi-task and prioritize duties in order of importance and comprehend
strategic goals and initiatives of the firm.
Self-motivated, goal-oriented Work in a team environment; team player
Extremely organized and efficient Excellent written and verbal communication
skills
Work collectively in a team or independently Detail oriented
PROFESSIONAL EXPERIENCE
HSBC FINANCE, ELMHURST, IL
FEBRUARY 2003 - FEBRUARY 2009
(HSBC provides a comprehensive range of financial services to around 100
million customers through global businesses and Personal Financial
Services)
Personal Loan Underwriter (Consumer Lending)
November 2006 - February 2009
. Conducted required underwriting procedures for unsecured loans by
reviewing applications submitted by loan originators to ensure credit
risk was maintained at the appropriate level
. Verified completeness and accuracy of files, cleared conditions and
rendered decision within established guidelines determining whether
borrower meet requirements for loan
. Reviewed customers debt to income ratio, disposable income, and
proprietary scores in relation to FICO score provided by one of the three
major credit bureaus to make decisions of loan limits
. Communicated via phone and email with branches throughout the day
regarding additional paperwork or conditions applied to the account for
issue resolutions
. Analyzed and evaluated consumer loan applications and supporting
documentation to assess borrowers' credit worthiness
. Interacted with appropriate individuals including, loan originators, loan
processors, bankers in order to obtain information for credit decision
Key Accomplishment:
Lead the implementation of new loan guidelines to ensure the accuracy and
thoroughness of the loan application
Loan Processor (Fully Qualified Clerk) June 2003 - November 2006
. Assist unit manager with daily document coordination
. Received incoming loan documentation through the proprietary onscreen
paperless fax system FX
. Record documents into underwriting Vision system
. Call branch offices to communicate any missing loan documents or other
related issues
. Distribute out all needed documents to underwriters within the FX system,
including income docs, appraisals and insurance documents
. Submit appraisals to appraisal review department
. Provide processing duties to all other underwriting units
Key Accomplishment:
Lead the training of Loan Processing staff
Records Clerk February 2003 - March 2003
. Ensure timely and accurate release of titles and related documents
. Filed and sorted customer files
. Searched company database for customer information when needed by manager
. Filed and prepared closed accounts for transportation to storage facility
EDUCATION Computer Systems Institute, Chicago, IL
February 2001
Certificate, Computer Networking
Certified as a Microsoft
Certified Professional. Win 2000/ XP
Harold Washington
College, Chicago, IL January 1999
General Studies
Course work toward an
Associates degree
SKILLS Highly proficient in Microsoft Windows/Microsoft Office
Suite, 10-Key speed exceptionally accurate
REFERENCE Available upon request
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