PEMAR GRACE WICAS
DAO
Summary
Diligent and resourceful financial professional skilled in client relations and loan product recommendations. Highly responsive to delivery of services and focused on customer relationship building. Achieves compliance with company policies and regulations in carrying out job functions.
Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Hardworking and passionate job seeker with strong organizational skills eager to secure entry-level position. Ready to help team achieve company goals.
Overview
6
6
years of professional experience
Work History
Loan Assistant
Rural Bank Of Jamindan (Capiz), Inc.
Jamindan, Capiz
09.2018 - Current
- Managed multiple priorities simultaneously while consistently meeting deadlines for loan closings and disbursements.
- Tracked loan status and updated applicant information to inform lenders of changes to applicants' financial situation.
- Maintained organized records, facilitating efficient retrieval of information for audits and regulatory examinations.
- Assisted in maintaining a high level of customer satisfaction by addressing concerns and providing timely responses to inquiries.
- Worked closely with borrowers to gather required documentation, ensuring timely submission and approval of loans.
- Prepared loan documents and explained terms to clarify loan conditions and requirements with applicants.
- Analyzed credit reports to assess risk and determine applicants' ability to repay loans.
- Calculated, reviewed and corrected errors on interest, principal and closing costs.
- Provided excellent customer service during the loan process, from initial inquiry to closing, ensuring a seamless experience for clients.
- Ordered information such as credit reports, environmental assessments, and property appraisals.
- Reduced errors in loan applications through diligent review, data entry, and verification processes.
- Collaborated with Loan Officers to ensure accurate documentation and compliance with lending regulations.
- Maintained confidentiality of sensitive client information, adhering strictly to company policies as well as federal privacy laws regulating financial institutions.
- Managed transfer of files for underwriter approval, mortgage loan handling, and closing process, resulting in speedier workflows.
- Assessed loan compliance to meet mortgage lending laws and regulations.
- Assembled important paperwork and disclosures for borrower.
- Increased client retention rates by proactively following up on past clients to offer relevant financial products or assistance when needed.
- Provided administrative support to Loan Officers, including calendar management, travel coordination, and meeting preparation for increased efficiency and productivity.
- Maintained compliance with Fair Lending Practices, Home Mortgage Disclosure Act guidelines, Truth in Lending Act requirements and bank policies.
- Communicated with customers daily to request information and complete paperwork.
- Monitored key dates to obtain information by deadlines.
- Cultivated productive relationships with clients, realtors, and title/escrow officers to increase profits and expand customer base.
- Worked with Loan Officer to create application profile in system and review key information at various stages within process.
- Participated in ongoing professional development opportunities to stay current on industry trends and best practices in lending operations.
- Generated new business leads through targeted marketing efforts and networking within the local community.
- Enhanced loan processing efficiency by streamlining application procedures and implementing digital solutions.
- Streamlined communication between departments, resulting in improved collaboration throughout the loan process.
- Reviewed application files to check for completion and compliance with institutional standards.
- Assisted in training new Loan Assistants, sharing knowledge and expertise for their success in the role.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
- Affirmed loan document accuracy to protect lenders from potential fraud.
- Collected and compiled paperwork such as title abstracts, insurance paperwork, loan files and tax histories.
- Interviewed loan applicants to obtain personal and financial data to assist in completing applications.
Bank Teller
Bangko Buena Consolidated Bank, Inc.
DAO, CAPIZ
01.2018 - 07.2018
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
Education
Bachelor of Arts - MAJOR IN ENGLISH
CAPIZ STATE UNIVERSITY MAMBUSAO SATELLITE CAMPUS
MAMBUSAO, CAPIZ03.2015
Skills
- Team Collaboration
- Closing assistance
- Loan Servicing
- Microsoft Office
- Loan Underwriting
- Administrative Support
- Loan Origination
- Loan Processing
- File processing
- Cash Handling
- Loans
- Loan Closing
Timeline
Loan Assistant
Rural Bank Of Jamindan (Capiz), Inc.
09.2018 - Current
Bank Teller
Bangko Buena Consolidated Bank, Inc.
01.2018 - 07.2018
Bachelor of Arts - MAJOR IN ENGLISH
CAPIZ STATE UNIVERSITY MAMBUSAO SATELLITE CAMPUS