ESTHER APARICIO
Goshen,IN
Overview
1
1
year of professional experience
Work History
Commercial Loan Officer
Goshen Office
06.2022 - Current
- Maintain compliance with laws and regulations governing commercial loans
- Manage up to 250 client loans annually
- Monitor pipelines to track and log status of loans
- Execute 3-5 cold calls each week to develop new loan prospects
- Develop and maintain relationships with customers, lenders and other third parties
- Evaluate loan requests and documents to verify accuracy and completeness
- Explain very technical financial information to applicants in easy to understand language
- Negotiated loan terms and conditions with customers to secure best deal
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing
Bilingual Virtual Branch Advisor
Interra Credit Union
- Assist members with consumer/residential loan applications via phone or electronic communication. Applications ranging from 50-100 per month
- Met or exceeded sales goals for Allied Products by bringing in over an average of 50% or more in sales and upselling service deals to existing clients
- Collect all required documents for internal reports and communicate member data with our underwriting team
- Use intermediate math skills to underwrite loans within our legal limits
- Prep closing documents for signatures through secured electronic platforms
- Cold/Warm calling on a regular basis
- Abiding by all BSA regulations
Bilingual Member Advisor
Interra Credit Union
- Assist members with opening and/or maintenance. Averaging 80%-100% member satisfaction
- Loan originations averaging 10-30 loan applications per month
- Assisted consultants with overrides or any questions that the individual may have
- Resolved customer issues through thorough dispute investigation
- Cross-sold bank services and products to uplift customer investments
- Abiding by all BSA regulations
Bilingual Member Relations Representative
Interra Credit Union
- Assist members with questions or concerns regarding their banking relationship via phone, chat, text, email, etc. Received 200-500 member interactions per week
- Produced and distributed internal and external communications
- Aligned projects and daily activities with company vision, strategies and tactics
- Provided warm referrals to consumer, mortgage, and business lenders for the company. ACS/Sales points ranging from 80-200 per month
- Abided all BSA regulations
Education
Leadership Goshen Certification -
Goshen Chamber of Commerce
Goshen, IN 04.2023
Advance Commercial Lending Course Certification -
Indiana Bankers Association
Indianapolis, IN07.2022
Core 40 Diploma -
Goshen High School
Goshen, IN06.2015
Skills
- Spanish Fluency
- Learning Strategies
- Financial Documentation
- Analytical and Critical Thinking
- Complex Problem-Solving
- Customer Relationship Management
- Team Leadership
- Loan Origination
- Indiana Notary Public
- NMLS - 2085187
- Microsoft Office
Accomplishments
Kiwanis sponsored Advisor for Goshen High School Key-Club
Advisory Board Member for Aktion Club Goshen
Timeline
Commercial Loan Officer
Goshen Office
06.2022 - Current
Bilingual Virtual Branch Advisor
Interra Credit Union
Bilingual Member Advisor
Interra Credit Union
Bilingual Member Relations Representative
Interra Credit Union
Leadership Goshen Certification -
Goshen Chamber of Commerce
Advance Commercial Lending Course Certification -
Indiana Bankers Association
Core 40 Diploma -
Goshen High School
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