Credit Union Analyst

Maria Esmerado

469-***-**** **************@*****.***

PROFESSIONAL SUMMARY

Experienced bilingual Credit Analyst with a demonstrated history of working in the financial industry. Over 15 years of knowledge in Loan Preparations, Banking, Sales, Loan Funding, and Accounting.

INDUSTRY SKILLS

Credit Reporting

LoanOrigination& Servicing

Digital banking

Sales

Cash Management

Account Reconciliation

FDIC & NCUA Regulation

Currency Auditor

PROFESSIONAL EXPERIENCE

Consumer Lending Underwriter 09/2017 - Present

Resource One Credit Union Dallas, Texas

Responsible for reviewing, analyzing, approving, and underwriting consumer loan requests within the Credit Union policies.

● Lending including Auto, Personal, Line of Credit, Secured, Credit Cards, and Home Improvement Loans

●Analyze information received from credit application and credit reporting agencies to render prudent credit decisions.

●Maintain an approval ratio of 65% or higher for an average of $10,000,000 in loans funded each month.

●Maintain delinquency ratios under 1.00% of the loan portfolio

●Meet decision turnaround service levels while processing a high volume of applications.

● Assist other departments in problem resolution for proper loan funding, perfecting liens on titles, and mitigating further risk to credit union.

●Advanced analytical and problem-solving skills and ability to make sound and rational decisions with limited supervision.

●knowledge of credit bureau data and risk models

Merchandiser-Dallas Cowboys

Star Sports Tour Frisco, Texas

09/2021- Current

●Set up a professional display of jerseys, footballs, and other memorabilia of professional athletes

●Maintain a line of inventory of athletes' merchandise to meet the demands of football fans.

●Operate sales register via cash payments, cards, and digital currency.

●Target sales goals set by management of merchandise and raffle tickets.

●Engage with patrons for a pleasant and lively football experience.

●Continuiously promote current and former players for autograph and, meet and greet sessions.

Personal Financial Officer 04/2010-07/2017

Neighborhood Credit Union Dallas, Texas

●Consistently met and exceeded monthly goals of new accounts including checking, savings, money markets, and retirement accounts.

●Proper balancing of general ledgers for loan disbursements

●Conducted auditing to resolve discrepancies promptly

●Partner with key departments to identify, assess, and document fraud risks for new and existing clients.

●Knowledge in BSA/ Fraud Banking

●Assist with large cash withdrawals and deposits under dual control for auditing.

●Verify and approve check cashing for a team of 5-7 tellers daily

●Administration of currency transactions for armored truck

●Daily balancing of cash flow for vault, ATM, and teller tills

Lead Teller 11/2007-03/2010

Capital One Plano, Texas

●Prepare currency orders for the Federal Reserve Bank

●Verify large cash withdrawals and checks for commercial businesses

●Administration of currency for armored truck deliveries

●Daily balancing of cash flow for bank vault, ATM, and teller tills

●Daily, Monthly, and quarterly balancing of bank vault currency for auditing

●Maintain low or no outages or discrepancies of currency.

EDUCATION

Associate of Applied Science - Business Administration & Accounting

Remington College- Dallas Garland, Texas

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