MARIA GABRIELA JUAREZ

***** ********* **

Fishers, Indiana 46037

Phone Number 909-***-****

SUMMARY

Over 30 years experience in banking and financial services, including accounting, loans, and customer service. A well organized, highly motivated, and dependable person with the ability to work well under pressure.

PROFESSIONAL EXPERIENCE

2006-June 2020

Golden State Bank

ACCOUNTANT

Process the accounts payable function. Perform various accounting functions, fixed assets, prepaid assets, certifications, fed funds sold, correspondent bank accounts, and miscellaneous asset and liability accounts according to established procedures. Maintain and reconcile general ledger accounts, process variety of bank accounting transactions and prepares operating and status reports for management and regulatory agencies.

• Process accounts payable

• Balance correspondent bank accounts.

• Process and balance fixed assets and prepaid assets.

• Post month end entries.

• Review the general ledger at month end to identify and evaluate suspect balances and entries.

• Perform monthly Finance certifications.

• Organize and maintain work papers and files for the Finance department.

• Prepare operating and status reports for management and regulatory agencies such as Liquidity Report, and FR2900 Report.

• Statement of Information filing.

• Business Property Taxes filing.

2005-2006

JP Morgan Chase (Chase Home Finance)

LOAN PROCESSOR/JR. UNDERWRITER

Responsible for processing mortgage loans in retail subprime lending department. Provided a high level of customer service to both Internal and external customers.

• Processed mortgage loans (purchases and refinances) under various loan programs in accordance with policies and procedures.

• Registered loans on the origination system and maintained system accuracy.

• Issued proper disclosures as required by federal regulatory compliance.

• Set up files and ordered all necessary exhibits for appraisals and credit reports.

• Checked alternative documentation for accuracy and potential problems.

• Ordered title insurance, flood and tax certificates and surveys, and reviewed for problems upon receipt.

• Reviewed documents thoroughly for acceptability against loan conditions and signed off conditions of which I had authorization.

• Submitted documents unable to be cleared or signed off by me to Senior Underwriters.

• Updated loan officers on pipeline status and updated borrowers and builders on status of loans.

• Coordinated with buyers, sellers, title companies, escrow agents, surveyors, and real estate agents to obtain additional documentation, and completed loan submissions. 1994-2004

Inland Empire Credit Union/Pomona Valley Credit Union (merged 11/02)

LOAN MANAGER/LOAN OFFICER/LOAN PROCESSOR

Head of loan department. Responsible for processing and approving all unsecured, collateral secured, and Visa cards in a timely manner.

• Processed a high volume of loan applications, performed income analysis, credit investigation, verification of employment, determined blue book values. Quoted interest rates and loan payments. Input new loan information onto computer system and typed necessary loan related documents including loan denials. Inspected autos and other collateral prior to funding. Requested any items needed from members prior to loan closing, and followed up with member and companies if additional information was required.

• Verified collateral insurance coverage and kept precise records to assure collateral was always insured.

• Calculated and disbursed credit life, disability insurance, and GAP premiums to insurance companies.

• Processed life, disability,and GAP insurance claims and also insurance refunds.

• Solicited credit union products.

• Reviewed all loan applications, closed loans and assisted loan officers with necessary.

• Counseled members with credit matters and determined possible alternatives to avoid Bankruptcy.

• Kept accurate records of all open and closed loan files and archived when necessary.

• Supervised loan officers, loan clerk, and collector. Prepared yearly performance reviews for my staff, recommended salary increases to the Board of Directors. Interviewed potential employees, hired, trained, and dismissed when necessary.

• Developed and enforced policies and procedures by auditing all loan documentation prior to being filed away.

• Responsible for all Department of Motor Vehicle transactions, including transfers and adjustments to titles, also reviewed DMV forms to assure accuracy prior to forwarding to DMV.

• Handled collections, ordered repossessions, and worked closely with repossession agencies.

• Processed "Proof of Claim" forms for Bankruptcies, and reported all charge-off's to credit bureau agencies.

• Prepared "Extension Agreements" for members.

• Reviewed all Visa Classic and Visa Gold requests. Increased credit limits, ordered credit cards and PIN's. Processed Visa transfers and credit balances on "Cardsource" system, issued credits, and reviewed Visa reports daily to be aware of any possible fraudulent activity or misused cards.

• Handled all member loan concerns, and researched loan information when needed.

• Responsible for preparing all monthly reports to present to Board of Directors at executive meetings. Reports consisted of "Loan Delinquency", "Loans Received, Approved, and Denied", "Collections", "New and Closed Share Accounts", and "Loan to Share Ratio", and included comparisons of prior months activities.

• Conducted weekly staff meetings, attended annual "Strategic Planning Meetings", and monthly "Executive Board" and "Management" meetings. 1989-1993

Security Pacific Financial Services

LOAN PROCESSOR/SR. CUSTOMER SERVICE REP

Responsible for processing unsecured loans and sales finance. Credit investigation, heavy customer contact, fund loans, collections, solicit loan products, post payments, and balance cash drawer. EDUCATION AND PROFESSIONAL DEVELOPMENT

Financial and Managerial Business Accounting 1-A

Chaffey College, Rancho Cucamonga, California

Introduction to Bookkeeping and Accounting

Pasadena City College, Pasadena, California

COMPANY SPONSORED SEMINARS

Finance and Accounting for Non-Financial People Seminar FR-2900

Accounts Payable

Customer Service and Phone Skills

Collections and Bankruptcy Seminar

1040 Tax Returns Seminar

Vehicle and Vessel Seminar

Microsoft Excel 2013 Basics

Microsoft Excel 2013 Beyond the Basics

Introduction to Microsoft Word

Introduction to Microsoft Excel

WordPerfect 5.0

Cardsource (VISA) Program

ADDITIONAL SKILLS

Speak, read and write English and Spanish fluently Sage Fixed Assets

Jack Henry, USERS, and Symitar Data Processing Systems 10-key by touch

Type 60-65 wpm

Data Entry

Proficient In Windows XP

Microsoft Word

Microsoft Excel

Microsoft Outlook

PowerPoint

REFERENCES

Furnished upon request.

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