Irma Carrasco

**** **** ******, *******, ***** **424 806-***-**** ads9jf@r.postjobfree.com

Objective

Seeking a position where my skills, talents, and experience can be utilized to my fullest potential. Highly motivated, focused, self-starting team player who thrives on the challenge of my goals. Work Experience

Lending Assistant

First State Bank, Shallowater, Texas 2013- Present Interview prospective loan customers. Pull credit and evaluate ability to repay the loan. Type loans, renewals, extensions and close loans. Process title work on automobiles and home loans. Use NADA program to keep accurate values on automobiles used as collateral and to provide this service as needed to bank customers. File UCC-1s and do continuations. General secretarial work for loan officers. Answer customer calls as needed, give balances, payoffs, general information. Interim construction files. Check in loans before and after loan closing. Print loan notices. Book new loans and type loan memos. General filing. Review exceptions on loans. Monitor high risk customers, Process loan payments and correcting GL tickets as needed. Update files daily with the supportive documentation. Deed of trust recordings. Appraisal engagements. Flood certificates. Clearing exceptions daily. Lending Assistant

Citizens Bank, Lubbock, Texas 2009- 2012

Type loans, renewals, extensions and modifications. Weekly business development meeting agenda. Assisted new and existing customers with deposit accounts and loan payments. General secretarial work for commercial lender. Schedule loan closings. Update files daily with all supporting documentation. Work with bank customers daily to clear NSF and past due loan payments. Pull credit and evaluate ability to repay the loan. Loan Processor/Underwriter/Personal Banker

American State Bank, Lubbock, Texas 2003- 2009

CCU loan processor: Assist CCU manager. Retrieve loan applications that were sent to our CCU queue box. Review for discrepancies. Evaluate loan risks. Pull credit report and evaluate ability to repay loan. Assist other branch employees with questions. Gather all supporting information for Underwriter. CCU Underwriter: Assist CCU manager. Evaluate the adequacy of loan applications credit, debt ratio and income in line with repayment capability. Assist loan officers and personal bankers as needed. Review applications carefully to find ways to obtain loan approval with supporting documentation provided and or requested. Personal Banker: Assist department manager. Cross sales for new and existing accounts. Loan applications. Loan closing. Daily activities in sync with the goals of our organization. Provide personalized service to new and existing customers.

Education

Continuing Education- Loan Documentation, Lubbock, Texas Real Estate School - Realtor License, Lubbock, Texas