Ricki Aguilar

818-***-****

ac3dgr@r.postjobfree.com

Summary

In the last 30 years of my work experience, I have demonstrated a high level of competency in all aspects of Financial Institution Operations, Member Service, Call Center, Business Development, Risk Management and Mortgage Lending Administration. I have maintained my education and training by attending all available training classes given to me by my previous employers. I’m currently in the process of enrolling with University of Phoenix.

I have a high level of integrity and commitment, which I have demonstrated to my current and prior employers. I had a team of 5 as a Branch Manager/Assistant Manager

Work Experience Knowledge, Skills and Abilities

Extensive experience in Mortgage Lending Administration, Member Services, Consumer Lending, Call Center, Operations, Compliance and Business Development

Responsible for creating and managing data on all Member Complaints and resolution.

Strong organizational, analytical and problem solving skills

Team oriented, Always willing to work with others to achieve Credit Union Member Service Goals and philosophy of “People helping People”

Good understanding of the alphabet soup of compliance regulations (RESPA, TILA (QM/ATR), ECOA, FCRA,HMDA,TRID,CTR,SAR, OFAC, CRA Data Analysis

Strong communication skills (verbal, written, listening) including ability to communicate professionally with senior examiners and managers.

Ability to Multi-task, excellent time-management skills

Willingness to do more than basic job requirements as needed

EXPERIENCE

PennyMac

Sr. Business Analyst, Mortgage Systems

March 2014 to Present

Velocify Lead Management Administrator / Encompass / Five9 Administrator

Effective provisioning, installation, configuration, user testing, operation, and maintenance of lead management and telephony systems

Timely completion of dialer lead uploads for batch processing

Analysis of dialer results to determine efficiency and adjust as needed

Generate and maintain outbound call lists daily/weekly/monthly

Maintenance and/or development of daily/monthly call center reporting

Provide guidance and day to day support for the call center including troubleshooting agent technical problems

Generate automated, real-time reporting to assist decision- making at both the campaign, channel and loan officer level

Design distribution and recycling systems to ensure leads are maximized from a sales effort standpoint

Provide New Hire system access for Account Executive, Dispatch and BDO

Develop and maintain solid partnerships with Project Managers, Business Leads, IT Leads and other key stakeholders

Provide Business Analysis leadership, consultation, direction, and end-to-end support for projects to ensure coordination of business analysis activities

Support the initiation and planning of the project including facilitating the definition of objectives, scope, and deliverables ensuring the project is setup for success

Produce business analysis related documentation, including requirements, current and future state processes and workflows, report specifications and others to high quality standards

Collaborate with business and information technology stakeholders facilitating the selection of solution alternatives for implementation

Suggest and implement recommendations on efficiency improvements where applicable

Assist business stakeholders in operational readiness activities, including impact analysis and documentation of process changes

Build test plans, Use and Test Cases and perform system testing utilizing these tools. Plan and execute User Acceptance Testing and obtain user sign-off

Lead continuous improvement initiatives related to the assigned projects; demonstrate industry practices in project, business analysis and change management leadership

Lead and assist other business analysts, with all aspects of the project lifecycle from initiation to closing, to ensure technical solution meets business needs

Monitor and send recurring reporting, perform ad-hoc data requests

Uniform Loan Delivery Dataset (ULDD)

Ensure loan data is correct before delivering loan to Fannie Mae/ Freddy Mac. Manage ULDD Early Check trending log. Verify MI, Flood SSR Appraisal and LTV, CLTV compare data on DU to data in encompass for accuracy.

PennyMac

Loan Processor

Aug 2012 – March 2014

Prepare mortgage loan file by reviewing loan application, clarifying or obtaining additional information for submission of loan into underwriting. Order credit report, surveys, appraisals, title and all related mortgage information

Knowledge of Fannie/Freddy, DU/ Loan Prospector

Communicate with borrowers and third party vendors. Monitor and maintain current and past projects.

Bank of America

Corresponding Lending/Operations

May 2011 to August 2012

CLD - Collect documents from vendors (realtors, attorneys, and builders, financial institutions) to move processing of loan through. Process Mers Correspond with outside vendors and communicate with upper Management.

Telesis Community Credit Union

Member Service Officer

Jan 2006 to May 2010

Responsible for Negative Shares -Loss Prevention, Audit branches New Accounts Vault.

Responsible for developing and implementing projects for branches and internal departments

Responsible for managing Member complaints and resolution

Responsible for Business Development, coordinating orientation for SEG groups

Assist IT set up REG D, RED CC, REG C, REGZ, teller limits, override authority, Test and set up done on institutional main page to correct: Trust Account, Coggan, CUTMA, Business Accounts and test and set up done for ATM/DEBIT, VISA Limits. Generate reports for loss prevention, report fraud and/or Chex Systems through Qualifier, Harland.

Extensive experience with various Credit Union core processing software applications such as: Ultra Data, SYMITAR CUBE Sound/OSI and Integra SYS

Beta testing and implementation of New Products.

Ensure branch is in compliance with federal laws and regulations set forth by the NCUA and other regulatory agencies including, the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), and Customer Identification Program (CIP). Data Analyst Creating reports for Board Package

Assist Call Center and branches with Member escalated issues

Assist Collections Department with fraud/forgery issues

Collect negative balances and appear in court for prosecution.

Monitor delinquent loans for reporting

Created an excel spread sheet for monitoring 60-90 day delinquent accounts and monitor current and past projects.

Branch Manager

Ventura County Credit Union

April 2002- Jan 2006

Managed daily operational and Consumer lending functions.

Ensure that the branch is in compliance with federal laws and regulations set forth by the NCUA and other regulatory agencies including, the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Office of Foreign Assets Control (OFAC), and Customer Identification Program (CIP).

Responsible for Monthly Audits of Tellers, Vault, CDM and Branch

Responsible for cross selling and achieving branch goal

Responsible for Business Development and coordinating orientation for SEG groups

Responsible for Employee training, coaching/mentoring, annual reviews, written/verbal disciplinary action

Managed Member complaints and resolution

Processed and booked consumer loans, called members to cross sell other credit union products. Reviewed credit reports for purpose of cross selling other products. Validate consumer loans for accuracy. Collect any additional DMV documentation to complete loan packet.

Los Angeles Firemen’s Credit Union

Sr. Operational Support

November 1997 to April 2002

Began in Call Center then was selected as the internal candidate to implement this newly created position offering staff support in multiple operational departments in January 2000

Fully functioned as Member Service Representative, Call Center and Consumer Lending Reviewed credit reports for decision making and informed members of decisions. Cross sold other Credit Union products. Conducted Business Development orientations for firefighters at SEG drives

Assist Mortgage department. Taking in loan applications from members and providing information on mortgage products. Assist in gathering documentation from third party vendors.

First Entertainment FCU

New Accounts Representative

August 1987 to October 1997

Demonstrate Professional, Courteous and Knowledgeable Customer Service. Performed a variety of functions from Teller to New Accounts, Collections and Consumer Lending

Handled ACH payroll deductions for 150 select employee groups, processed ACH postings and processed share draft exceptions

Conducted Business Development orientations for SEG groups

Processed levies and subpoenas, and assisted in the implementation of check debit cards

Balanced vault, provided overrides

Education & Training

CCUL Training - New Accounts, DMV,

CCUL Training - Management Seminars, Loan Interviewing

CCUL Training – IRA, ROTH, VISA/EFT

CCUL Training - Consumer Lending

CCUL Training - Mortgage

CCUL Training - Time Management

TRID

Compliance Training

PC Knowledge

Microsoft Office, Outlook Excel, Ten Key by touch

Encompass Velocify Admin Lamp Five9 Admin

Symitar E-Oscar XP2/Gift CI Access

Fidelity CUBE Metavante

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