Selena Aguilar
Buckeye
Summary
Senior Loan Servicing Specialist with solid background in managing loan portfolios, overseeing payment processing, and conducting credit evaluations. Strengths include high proficiency in risk management and compliance regulations coupled with strong analytical skills and problem-solving capabilities. Previous roles show impactful contribution through improved loan servicing procedures and efficient resolution of customer complaints.
Overview
9
9
years of professional experience
Work History
Senior Mortgage Warehouse Specialist
Western Alliance Bank
Phoenix
05.2021 - Current
- Monitored client accounts to ensure that all payments are made in a timely fashion.
- Performed due diligence reviews on potential funding sources prior to entering into any agreement or transaction.
- Reviewed and analyzed loan requests to ensure accuracy of data and compliance with company policies.
- Developed procedures for tracking customer accounts throughout the entire lending process.
- Prepared financial reports detailing the status of loans, credit analysis and other related activities.
- Managed customer relationships by providing regular updates on progress towards obtaining desired funding outcomes.
- Conducted detailed research into potential funding opportunities for clients.
- Maintained records and documentation related to all loan agreements and transactions.
- Created presentations outlining proposed projects or initiatives for senior management review.
- Researched current market trends in order to identify alternative sources of capital for clients.
- Answered questions and advised customers regarding loans and transactions.
- Established credit limits and grant extensions of credit on overdue accounts.
- Collaborated with internal teams such as legal, compliance, operations, and risk management to ensure successful completion of projects.
Loan Specialist
Wells Fargo
Phoenix
07.2019 - 05.2021
- Researched customer credit histories using computer databases and credit reporting agencies' websites.
- Analyzed financial statements of clients to assess their ability to repay loans.
- Negotiated terms of repayment schedules with delinquent borrowers in order to bring accounts up-to-date.
- Coordinated with other departments within the organization regarding loan applications, approvals, and rejections.
- Performed periodic audits of existing customer accounts to ensure accuracy of information maintained.
- Prepared detailed documentation for each loan transaction including closing documents.
- Participated in regular training sessions on new products, services, policies, procedures.
- Ensured that all loan processing activities were in compliance with relevant laws and regulations.
- Reviewed loan applications and credit information to determine potential customers' eligibility for loans.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Developed and maintained knowledge of available loan products, processing procedures and underwriting and general departmental guidelines.
- Recommended loan approvals and denials based on customer loan application reviews.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
Legal Carrier Support Lead
Liddy Legal Services
Phoenix
06.2016 - 07.2019
- Provided timely delivery of goods according to customer needs.
- Communicated effectively with customers regarding product delivery schedules.
- Coordinated with dispatchers regarding routes and traffic conditions.
- Prepared court filings including complaints, motions, affidavits, pleadings, decrees, judgments, orders, briefs and other documents as needed.
- Maintained client files in accordance with established procedures and guidelines.
- Provided guidance on the interpretation of legal documents to clients.
- Collaborated with paralegals to ensure that all deadlines are met.
- Organized exhibits and evidence necessary for trial proceedings.
- Prepared thorough, accurate and well-edited documents for cases, client communication, and internal needs.
- Managed communication with courts regarding status of petitions and granted orders.
- Gathered and organized pre-trial discovery, records and evidence and witness interviews.
- Received promotion to position based on dedicated work ethic and legal acumen.
Education
Bachelor of Arts - Business Administration And Management
Arizona State University
Tempe, AZ12-2018
Associate of Arts - Business
Estrella Mountain Community College
Avondale, AZ05-2016
Skills
- Credit analysis
- Financial reporting
- Loan documentation
- Customer relationship management
- Loan processing
- Analytical and critical thinking
- Relationship management
- Credit history assessments
- Mortgage lending
Timeline
Senior Mortgage Warehouse Specialist
Western Alliance Bank
05.2021 - Current
Loan Specialist
Wells Fargo
07.2019 - 05.2021
Legal Carrier Support Lead
Liddy Legal Services
06.2016 - 07.2019
Bachelor of Arts - Business Administration And Management
Arizona State University
Associate of Arts - Business
Estrella Mountain Community College