Myred Espineli Email & Phone Number

Butler, Wisconsin, United States

• Prepared and processed accurate mortgage, lien and satisfaction documentation, ensuring compliance with all regulatory requirements.• Maintained meticulous records in a cloud-based system, ensuring data integrity and efficient retrieval.• Verified and validated all documents and statements, guaranteeing accuracy and completeness.• Updated and maintained various department spreadsheets with high degree of accuracy.

Denver, Colorado, United States

• Managed full-cycle auto loan processing, meeting daily outbound communication goals• Provided exceptional customer service, tailoring auto refinance solutions to meet individual needs.• Ensured compliance with all regulatory and company policies.• Collaborated effectively with team members to optimize customer experience.• Proactively identified and addressed customer concerns.• Maintained a highly organized loan pipeline using provided tools.

Rizal, Calabarzon, Philippines

• Drive Sales and Member Growth: Successfully generated leads, closed deals, and implemented marketing campaigns to increase membership and loan volume.• Ensure Compliant Loan Origination: Processed loan applications efficiently and accurately, adhering to regulatory guidelines and internal policies to ensure timely and compliant loan origination.• Provide Exceptional Member Service: Handled all customer inquiries regarding loan applications and other services, ensuring members were well-informed and satisfied.• Maintain Strong Relationships: Built and maintained positive relationships with PNP and BFP members to achieve targets for deposits, loans, and membership programs.

Munich, Bavaria, Germany

• Process vendor invoices, expense reports, and payment requests.• Prepare and send customer invoices and manage receivables.• Reconcile accounts payable and accounts receivable ledgers.• Post and reconcile journal entries.• Ensure that all transactions are accurately recorded in the general ledger.• Reconcile bank statements and investigate any discrepancies.• Monitor cash flow and track account balances.• Assist in the preparation of financial statements• Review and process employee expense reports.• Maintain accurate financial records and organize accounting files.

Pasig, National Capital Region, Philippines

Conduct Comprehensive Credit Analysis: Evaluated loan applications, assessed creditworthiness, and determined risk levels based on applicant credit history, industry trends, and market conditions.Ensure Regulatory Compliance: Adhered to internal policies, regulatory guidelines, and legal requirements, including anti-money laundering (AML) and Know Your Customer (KYC) regulations, when evaluating and approving loans.

Quezon City

Perform independent credit analysis on motorcycle loan request and make recommendation for approval to the authorized approving officer or be able to give decision in motorcycle loans. Work with the account officer in gathering additional information but not limited to spreading financial statements. Perform independent in-depth analysis of loan request including review of historical and projected financial performance, assessment of management ability, assessment of repayment ability and adequacy of collateral. Present findings using automated loan origination system for the concern approving body prepared in accordance with the Bank guidelines.

Shaw Blvd, Mandaluyong

Perform initial appraisal of potential borrower by thoroughly examining their applications. Assess the credit standing of applicant through background research. Conclude on all applicable financial and non-financial criteria and develop loan repayment plans. Finalize loan contracts and keep clients informed in rules and obligations. Identify customer needs, explore all options and suggest different types of loans. Cultivate trustworthy referral networks, suggest alternate channels and cross-sell products and services.