Eric Bernal Email & Phone Number

Herndon, Va 20170

• I am the point of contact for current members who have a loan application in process. I use interpersonal and communication skills to convey information effectively to the member. I answer any member questions and address any concerns that arise throughout the loan process. I apply in-depth knowledge of mortgage products and internal policies to determine the viability of each mortgage loan application. I inform members of the policies for extension of credit in accordance with Northwest FCU’s guidelines. I explain, clarify, and communicate the benefits and terms of each product to the applicant. I communicate with members either by phone, email, or walk-in/scheduled appointments.• I complete accurate first and second mortgage loan applications either in person, over the telephone or via the on-line application portal, should the member require assistance. I obtain relevant financial information to determine if the borrower or borrowers will meet the minimum established criteria to qualify for the loan. Along with obtaining the necessary documentation to satisfy loan conditions, I order and analyze credit reports to verify loan eligibility.• I ensure the accuracy of disclosures and provide them to each member within specified regulatory compliance time frames. I examine and analyze supporting documentation and seek out missing or clarify questionable information. I ensure each loan is in compliance with all investor, regulatory and PMI guidelines. I notify members of loan decisions and potential issues that may arise in process. If a challenge is presented, I then communicate possible solutions in an attempt to reach a positive loan outcome. I explain loan denials precisely and clearly to members along with the mailing of Adverse Action letters.

Mclean

• Perform basic bank transactions such as: Handling large amounts of cash responsibly, keeping an eye out for and reporting suspicious account activity, cashing checks, checking statements, processing payments, making money transfers, updating account details and other day-to-day transactions such as deposits, withdrawals and loan payments. • Responsible for maintaining a correct cash balance during each shift with 100% accountability. • Handle any Spanish speaking customers that require translation or are more comfortable speaking in Spanish.• In charge of various combinations that I must keep track of and keep secret. Also in charge of a TCD (teller cash dispenser) machine, keeping track of its cash levels, and making sure it is balanced.

Delegate tasks to employees, handle unruly customers, manage the store in the store manager's absence, make sure the store is secure, clean, and ready for the next days operations.

Delegate tasks to employees, handle unruly customers, manage the store in the store manager's absence, make sure the store is secure, clean, and ready for the next days operations.

Bachelor Of Business Administration (Bba), Finance And Business Analytics

Activities and Societies: Finance Club Monarch Maniacs

Education record