Loan Processing Financial Services

Bonjie Militante

New Waverly, TX *****

1-562-***-**** - *******************@*****.***

Professional Summary

Accomplished Consumer Loan Specialist at Magnetar Resources LLC, adept in loan processing and documentation review. Leveraged goal-oriented strategies to enhance client satisfaction and reduce delinquency rates by 15%. Expert in fostering client relationships and driving business growth through effective communication and proactive account management. Professional in financial services domain, bringing valuable experience to loan processing and client relationship management. Proven ability to navigate complex financial regulations and deliver effective loan solutions. Known for collaborative teamwork and adaptability in dynamic environments, ensuring reliable and results-oriented service. Skilled in financial analysis, regulatory compliance, and client communication. Experienced with loan processing and financial evaluation, ensuring comprehensive documentation and regulatory adherence. Utilizes financial acumen and client-focused strategies to support loan approval processes. Track record of enhancing operational efficiency and customer satisfaction through effective risk assessment and service excellence. Results-oriented achiever with proven ability to exceed targets and drive success in fast-paced environments. Combines strategic thinking with hands-on experience to deliver impactful solutions and enhance organizational performance.

Skills

• Goal oriented • Banking

• Documentation review • Loan processing

• Debt management • Credit evaluation

• Collections proficiency • Credit assessment

• Customer service-focused • Team player

• Loan origination • Consumer lending

• Sales pipeline maintenance • Loan servicing

• Cash handling • Sales expertise

• Relationship building and management • Safe act of 2008 certification

• Friendly • Cash handling expert

Work History

03/2016 to 10/2022 Consumer Lending Loan Specialist Magnetar Resources LLC. – Victorville, CA

Provided exceptional customer service, addressing inquiries and resolving issues in a timely manner.

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• Compiled documentation necessary to successfully fund over 20 loans per month.

• Managed communications as central point of contact for entire lending process. Handled paperwork and moved between customers and lending institutions to smoothly resolve any concerns.

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Reviewed customer applications closely to identify any opportunities for further development and revenue.

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Generated numerous valuable leads through outbound phone calls to local consumers and businesses.

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Consulted with customers using positive communication and active listening skills, offering sound feedback and answering critical questions with effective solutions.

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Employed persuasive sales techniques to increase loan applications and overall loan value.

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Submitted loan applications to credit analysts for further verification and suggestions.

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Maintained open communication with old clients to cement relationships, drive referrals and obtain repeat business.

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• Evaluated loan applications to confirm financial status and credit worthiness. Maintained accurate records of all loan documentation, supporting efficient audits and reporting processes.

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Reduced delinquency rates through effective communication and negotiation with borrowers experiencing financial difficulties.

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Participated in community events to promote financial literacy and awareness about available lending options.

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Educated customers on terms and conditions of loans to provide clear understanding.

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Increased loan application approvals by carefully evaluating financial information and credit history.

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Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.

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• Evaluated loan applications to determine eligibility and risk factors. Collaborated with clients to gather necessary financial documentation and information.

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• Advised clients on loan products, terms, and conditions tailored to their needs. Originated, reviewed, processed, closed, and administered customer loan proposals.

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Assisted customers in understanding loan terms and conditions to make informed decisions.

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• Submitted loan applications to underwriter for verification and recommendations.

• Collaborated with other departments to promptly process loan applications. Effectively managed time and resources to maintain a high level of productivity while ensuring attention to detail in every aspect of the loan process.

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Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.

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Managed a diverse portfolio of loans, balancing risk management with excellent customer service delivery.

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Consistently met or exceeded monthly sales targets, contributing significantly to the department''s success.

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Streamlined loan processing workflows, enhancing efficiency and reducing turnaround times.

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02/2014 to 09/2022 Senior Credit Consultant

Draco Credit Consultants – Huntington Beach, CA

customers.

Assessed potential borrowers against stringent lending criteria while adhering to regulatory guidelines.

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Evaluated clients'' financial health by analyzing data from various sources such as financial statements, economic reports, and market data.

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Assisted businesses in securing financing through meticulous preparation of concise loan applications backed by solid documentation.

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Coached junior team members on advanced credit analysis techniques, fostering professional growth and development within the department.

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Managed a diverse portfolio of clients, ensuring timely monitoring and effective risk mitigation measures were in place.

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• Reduced delinquency rates through proactive account management strategies. Collaborated with cross-functional teams to optimize credit underwriting processes, enhancing overall efficiency and reducing turnaround time.

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Improved credit approval rates by conducting thorough credit analyses and implementing effective risk management strategies.

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Continuously improved credit department performance by identifying areas for process improvements and implementing necessary changes.

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• Oversaw business development to originate new client opportunities. Updated client accounts with new information and verified data for informed credit approvals.

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Investigated and evaluated customers for creditworthiness and potential risk factors.

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Contacted clients about verifying account information and updated services, answered questions and resolved concerns to uphold exceptional customer service standards and promote brand loyalty.

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Interviewed credit applicants by telephone or in person to obtain personal and financial data needed to complete credit report.

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Managed account data and verified information with clients, past creditors and other involved parties.

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Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.

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• Managed approximately 30 incoming calls, emails and faxes per day from Education

06/1991 Associate of Applied Science: Computer And Information Sciences ITT Technical Institute - Buena Park, CA

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