Loan Processor/Closer II
Resume:
John J. Camacho, Jr.
Arvada, CO 80005
303-***-**** / *******@***.***
SUMMARY:
Self-starter with 35 years of consumer/commercial loan administration and servicing experience seeking employment opportunity. Possesses excellent customer service and teamwork skills. Previous experience primarily with Wells Fargo Bank in Denver Metropolitan area. I was displaced by Wells Fargo from November 2013 through May 2015. I rejoined Wells Fargo from May 2015 to September 2015. I formally retired from Wells Fargo on October 2, 2015. I resumed my working career with SCL Health in August 2017. SKILLS:
Account reconciliation, ACAPS, ACCULOAN, ACH, ACTIVE VIEW, aircraft loan documentation, aircraft appraisals, ARDENT, automobile leases, BAKER HILL, boarding of loans and lines, borrowing base certificates, cash handling, change draw indicators, chattel mortgages, CAD, CIP, Coast Guard documentation, collections, commercial loans and lines, Computer Assisted Dispatch, consumer loans, Cop Logic, CRM, CUDC, customer service, DEALER TRACK, deeds of trust, dealer loans, Desk Officer Reporting System, DORS, evidence of insurance, EPIC, EPISYS, exception management, FAA documentation, Flood certificates, forced place insurance, hospital billing, HMDA, HOGAN, IBS, IMAGE NOW, INSIGHT, insurance binders, LASER PRO, letters of credit, lien perfection, loan closings, loan payoffs, loan servicing, marine surveys, MASK, Microsoft products, net volume calculations, NICHE, oil and gas documentation, ONBASE, payment processing, physician billing, power of attorney, Preferred Mortgages, RESPA, sales taxes and fees, telephones, shadow payments, titles, TRI TECH, UCC documentation, UNITY CLIENT, underwriting, and yacht loan documentation.
EXPERIENCE:
CARIBOU FINANCIAL January 2025 – Present
Titling Support Specialist
• Facilitate and complete virtual document signing events and make them available for review during and after the refinance process.
• Work with other members of the Titling Department to ensure outbound files are being sent to titling partners for submission within established SLAs.
• Collect, sort, and scan daily inbound mail shipments for processing by Titling Specialists.
• Maintain storage of documents held in the Denver Office, periodically auditing for compliance with jurisdictional and departmental guidelines. CITY OF WHEAT RIDGE: POLICE DEPARTMENT November 2022 - September 2024
Civilian Report Technician
• Conduct in-person interviews with reporting parties for the purposes of preparing official police reports for incidents that did not include suspect information.
• Utilizing the Computer Assisted Dispatch (CAD), I contacted reporting parties and prepared official police reports for specific types of calls for service that did not include suspect information.
• Utilizing the Desk Officer Reporting System (DORS), I contacted reporting parties in order to process specific types of online police reports that did not include suspect information.
• Accepted specific types of found property. Turned in said property to Evidence Department, after conducting an in-person reporting party interview, issuing a case review number and preparing an official police report.
• Other police databases: CCIC/NCIC, CLEAR, Cop Logic, NICHE, and TRI TECH. CITY OF WHEAT RIDGE: POLICE DEPARTMENT June 2022 - October 2022 Records Management Specialist
• Data entry from paper documentation such as property, accident reports, summonses, and vehicle impound reports, into various computerized records management and state/national software programs. Data is required to be accurately and completely entered into multiple screens and software programs in a timely manner.
• Enter and manage warrants, remain up to date on laws and procedures affecting the warrant process. Work with the courts to ensure warrant entry, all modifications and clearing is accurate and completed in a timely manner.
• Utilizing an electronic fingerprint system to complete cash and personal recognizance bonds when necessary; assist with Interstate Compact Agreements and Court Ordered Fingerprints. Send records electronically to the district attorney’s office when applicable.
• Scan paper documents into various record keeping systems – numerical and alphabetical; keep accurate records of the movement of file materials; confirm records are complete and detailed in a system shared by six police agencies in Jefferson County; review online reporting and report request systems to assist customers remotely.
• Serve as the first face of the department by assisting citizens at the lobby counter including interviewing persons to gather information for incident and certain types of police reports; notifying department personnel of appointment arrivals.
• Complete background investigations for liquor licenses, medical and/or retail marijuana and massage business licenses, and clearances for vendors, citizen ride-along, volunteer applications, and citizen academy applications.
• Follow established processes for collecting monies for services and fees. Maintain a monetary journal for record keeping of Records revenue.
• Maintain knowledge of state, municipal and traffic laws in order to determine the nature of a crime for reporting purposes.
ROCKY MOUNTAIN LAW ENFORCEMENT FCU August 2020 – January 2022 Quality Assurance Manager / Title Specialist
• Daily processing of member title documentation from lenders within three branches of RMLEFCU, including automobile lease buyouts, dealer paper, refinances and private party purchases.
• Daily processing of dealer, insurance, and member loan payouts. I released the credit union’s liens on paper or electronic titles with Dealer Track. I also sent out released titles to appropriate parties and paid notes to members.
• Daily processing of new/closed loan files. I printed Excel spreadsheets of new and closed files on a weekly basis and divided the work load over five business days.
• Daily processing of received FedEx envelopes/packages, USPS mail, and routed to appropriate personnel, and, or division within the credit union.
• Communicate with members and stake holders concerning title research, i.e., lien releases, insurance claims, and registration of vehicles within states other than Colorado. SCL HEALTH August 2017 – June 2020
Cash Control Analyst
• Process and update the Bypassed Work List/Bypassed Claims spreadsheet report, within On Base for SMG OBGYN.
• Extract and process the Third-party Biller Report spreadsheet for 13 healthcare units/centers. Processing includes detection of ‘incorrect journal entries,’ and correction via scan to batch/remittance documentation.
• Within Treasury Workstation, I “matched” deposits from Host Grid, through On Base and Finance, up through the Bank Grid. This is utilized to locate any issues/trends within TWS.
• In ARDENT, I matched patients’ checks with the appropriate ARDENT/SCL account numbers to ensure proper accounting. I performed this function for physician billing
(PB), hospital billing (HB), and PPS Transactions within ARDENT.
• Conduct cash control analysis, employing critical thinking techniques, to anticipate cash environment trends within the Treasury Workstation. WELLS FARGO BANK, N. A.: FLATIRONS CAPITAL May 2015 – October 2015 Loan Documentation Specialist III
• Processed premium financial agreements (quotes) for commercial properties with assistance of Ironworks software, and established policies.
• Reviewed insurance binders for appropriate P&C insurance coverage for commercial properties.
• Contact with external stakeholders for collection of additional data necessary for activation of quotes for funding.
WELLS FARGO BANK, N. A. November 2013 – May 2015
Displaced Employee (Severance)
WELLS FARGO BANK, N. A. December 2003 – November 2013 Loan Documentation Specialist IV
• Prepared online loan documentation for yacht and small aircraft loan closings, as well direct secured and unsecured credit products.
• Manually prepared Coast Guard and FAA lien perfection documentation.
• Manually prepared state registration/title documents for boats and yacht loans.
• Manually prepared chattel mortgages, and UCC’s, for small aircraft loans.
• Accepted telephone inquiries regarding underwriting credit decisions, loan payoffs, CIP issues, and documentation requirements.
WELLS FARGO BANK WEST, N. A. March 2002 – December 2003 Consumer Loan Underwriter I
• Reviewed ACAPS consumer credit applications for Indirect Lending.
• Underwrote and rendered credit decisions for recreational vehicles, boats, motorcycles, and used automobiles.
• Discussed credit decisions/terms with indirect dealers. WELLS FARGO BANK WEST, N.A. February 2001 – March 2002 Loan Servicing Representative III
• Followed up with documentation to set-up new indirect dealers.
• Researched and processed direct loan technical exceptions.
• Prepared online direct loan documentation for newly acquired 1st Security Banks in Wyoming using Automated Credit Processing System (ACAPS).
• Served as back-up preparing direct loan documentation for small aircraft and yachts.
• Funded indirect dealer contacts via Internet ACH. Prior positions held with Wells Fargo and predecessor banks in Colorado:
• Representative IV – Wells Fargo Home Equity, 2000 – 2001
• Loan Documentation Representative IV, Wells Fargo Bank, 1999 – 2000
• Loan Documentation Specialist I, Norwest Bank, 1998 – 1999
• Underwriter Trainee, Norwest Auto Finance, 1998
• Underwriter Assistant, Norwest Bank, 1997 – 1998
• Loan Processor / Closer II, First Interstate / Wells Fargo Bank Dealer Division, 1992 – 1997
• Statement Processor, First Interstate Bank, 1990 – 1992
• Lead Representative, First Interstate Bank Retail Loan Operations, 1988 – 1990
• Loan Teller, First Interstate Bank, 1987 – 1988
• Customer Service Representative, First Interstate Bank, 1985 – 1987
• Collector, Intrawest Bank of Denver, 1983 – 1984
• Teller, Intrawest Bank of Denver, 1982 – 1983
• Bookkeeping / Account Information, First of Denver, 1981 – 1982
• Record Storage, First of Denver, 1980 – 1981
EDUCATION:
University of Phoenix, Phoenix, AZ
• Associate of Arts in Business; 3.57 GPA. Graduated June 2008.
• Bachelor of Science in Business – Finance; 3.76 GPA. Graduated June 2010.
• Master of Business Administration; 3.64 GPA. Graduated December 2012.
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