Andrea S Ojeda

Island Park, NY *****

adphga@r.postjobfree.com

516-***-****

PROFESSIONAL SUMMARY

• 5+ years of professional experience working for financial companies such as TD Bank, Citibank and Citizens Bank

• Cooperated with quarterly internal audits and adhered to politics of KYC and AML

• Documented, approved and submitted an average of 40 (CTR) Currency Transaction Reports weekly • Filled out and submitted 6-10 (SAR) Suspicious Activity Reports weekly

• Monitored new accounts and identified and assessed potential risks

• Analyzed customer account data for potential Anti-Money Laundering violations and started investigations

• Fluently bilingual in both the English and Spanish language

• Strong proficiency with Microsoft Word, Excel, PowerPoint, Access, Publisher; Adobe Illustrator, and Photoshop

• Available to interview with a 24-48-hour notice and available to start As soon as possible

Work Experience

Senior Loan Processor

Citizens Bank-Melville NY

Sept 2020 to Present

Mortgage industry professional with loan-processing experience and a comprehensive knowledge of conventional and government loan programs.

Diligent and detail-oriented -- thorough in gathering borrower information, verifying loan documents and reviewing file documentation to guide each loan from Pre-approval to closing.

Computer savvy in MS Office Suite and proprietary mortgage-processing software.

Loan Processing Expertise

Conforming & Nonconforming Loans, FRMs, ARMs, GPMs, Jumbo Loans, Fannie Mae & Freddie Mac Guidelines, FHA, VA, USDA Rural Development Loans, Commercial Loans

Professional Experience

Provide support to loan officer and underwriter teams by ensuring the timely, judicious and accurate processing of mortgages. Review and verify borrowers’ income, credit reports, employment histories, property appraisals and title insurance information to prepare loan applications for underwriting submittal. Ensure compliance with company policies, underwriting guidelines and lending-program requirements.

Achievement Highlights:

Handling an average of 61 files monthly. And closing 20 to 25 loans on monthly bases

Provided expedient service cited as key to consistently high customer satisfaction.

Ensured all files were complete prior to underwriting hand-off and coordinated effectively with title companies to ensure smooth closings.

Processed challenging loan applications (e.g., first-time borrowers, self-employed applicants and

borrowers with problematic credit histories).

Senior Personal banker II/ U.S. Small Business Administration/ loan processor

CHASE - Freeport, NY

June 2018 to Sept 2020

Small Business Administration loan documentation

Commercial loans documentation

Prepared, compiled, and verified preliminary loan documentation and information for loans approved by the bank

Prepared loan commitments packages for loans approved by the bank

Used laser Pro as well as other systems to prepare final docs

Reviewed the SBA loans applications packages prior to submitting to SBA.obtained SBA or USDA Guaranty for approved loans.

Provided daily details updates to the SBA departmental pipeline status report.

Contacted title companies, insurances, carrier,ect to assure liens and collateral and position and compliance to SBA

Delivers exceptional customer experience by acting with a customer first attitude Demonstrated ability to make personal connections, engage and educate customers, ask open-ended questions

and listen to establish trust and build lasting relationships Exudes confidence with clients when sharing product knowledge and solutions • Excellent communication skills - in person and over

the phone - with proven ability to tailor features and benefits of products/services to customers

with differing need Strong desire and ability to influence, educate and connect customers to Technology Possesses drive, initiative and knowledge to provide financial options for customers using

a consultative approach Ability to learn products, services and procedures quickly and accurately; delivers solutions that make our One Chase products work together Operates within established risk parameters/tolerances, and meets internal/external risk and compliance obligations, including completion of required training • Professional, thorough and organized with strong follow-up skills • Excellent interpersonal communication skills

Senior Personal Banker II/Senior Loan Processor

TD Bank - Massapequa, NY

September 2014 to January 2018

Opened new customer accounts, including checking, savings and lines of credit.

Scheduled staffing for multiple branch locations.

Managed opening and closing times for the main branch.

Processed sales referrals and promoted bank services and products.

Established new customer accounts including checking, savings, lines of credit and loans.

Researched and resolved customer issues on personal savings, checking and lines of credit accounts. Received regional branch recognition award for outstanding achievement in WSI.

Directed specific questions to appropriate branch personnel.

Delivered prompt, accurate and excellent customer service.

Assesses customer information and suggests appropriate product and service solutions.

Sells customers on value and benefits of suggested alternatives and closes.

Provides sound advice at every Customer interaction to create a positive Customer Experience and ensure that the Customer's financial needs are met.

Contributes to the ongoing improvement of the Customer Experience by leading, coaching and modeling quality service at every Customer interaction

Responsible for meeting or exceeding specific individual sales goals

Takes residential mortgage loan applications and offers or negotiates terms of residential mortgage loans for compensation or gain

Solves problems independently

Performs a broad range of tasks of varying complexity and scope

Trains less experienced team members

Participates in opening and closing Store procedures

Cross-sell products to provide multi-services for Customers and makes referrals to partners

Ensures Customer problems are handled appropriately, escalating issues when necessary, know when to consult Managers and when to "Bump-it

Replenished and settled ATM daily.

Personal Banker

Citibank - Mineola, NY

February 2010 to September 2013

Identify, build and deepen relationships to gain incremental wallet share of the affluent and consumer segment through a superior customer service.

• Anticipate the financial needs of the client and offer solutions through a wide range of banking products and services.

• Provide financial solutions to clients with the support of product specialists to meet the client's

banking, credit, and investment needs.

• Refer opportunities to segment partners where appropriate (including, but not limited to Lending Consultants, Commercial Banking Manager, and Wealth Management)

• Develop strategies to increase client base through seminars, on-sites, referrals, and use of Lead Management.

• Actively partner with operations manager in distinguishing key areas and controls to mitigate risk and decrease operational losses.

• Correspond with multiple departments to rectify bank errors.

• Coach on an ongoing basis financial associates to identify sales opportunities

• Cooperate with quarterly internal audits and adhere to politics of KYC and AML

• Demonstrate strong sales and team player skills at all times while adhering to corporate values and focusing on exceptional customer service.

• Demonstrate strong Leadership skill

Team Leader/ Loan Processor

United Home Mortgage - East Meadow, NY

May 2007 to February 2010

Trained and instructed employees.

Successfully managed a 5 person team that produced $60,000 in revenue per month.

Structured and maintained a team of highly successful producers.

Responsible for recruiting my personal team and maintaining a good atmosphere. Observed and evaluated workers' performance on daily basis.

Team Leader/Senior Loan Processor

East Coast Equity Funding Corp - Uniondale, NY

March 2003 to May 2007

Compiled lists of prospective customers for use as sales leads, based on information from newspapers business directories and other sources.

Traveled throughout assigned territory to call on regular and prospective customers to solicit orders. Trained and managed 5 sales associates and achieved significant improvements in their productivity. Quoted prices and credit terms and prepared sales contracts for orders obtained.

Successfully motivated a 5-person team in consistently closing 10 loans per month.

Education

Some college in Liberal Arts

Nassau Community College - Uniondale, NY

September 2003 to May 2004

High School Diploma

Oceanside High School - Oceanside, NY

September 1998 to June 2002

Realstate certificate

Awards

Achievements

AWARDS

Award Winner

June 2010

Annual Award Citi Stars

Recognized Top area Sales Performer

Credit card, Top Area Sales Performer

February 2012

Currently ranked #2 Personal Banker sales performer in tri-state area 2012

· Citi Cards Top Performer Award for the most credit cards for June and July 2012 for the whole area Wallet Share Index

2015

Recognition of my outstanding achievement for Q4 with a WSI of 4.85 at TD Bank Sales 2016

Consistently achieved a 130 % or higher sales goal each quarter. Increased annual revenue by 20% by creating effective strategies to expand existing customer service. Recognized for Wallet Shared Index for the Q4 2015-2016

Chase

Currently ranked #1 Personal Banker sales performer in all chases in long island 2019-2020

Additional Information

Skills

Bilingual-Fluent in English/Spanish/Written and spoken • Perform well under pressure • Follow order adequately • Punctual to work and with work given • Demonstrated ability to learn new skills quickly, Computer Skills Windows 2000; Encompass, Microsoft Word, Excel, PowerPoint, Access, Publisher; Adobe Illustrator;

Photoshop; Outlook Express; scanning technology; HTML; website development; advanced, Empower,Bytes,Epic,blend, data verify /the work number

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