Roseann Garcia
Sacramento
Summary
Detail-oriented professional with expertise in loan document review and compliance verification. Skilled in closing coordination and customer relationship management, ensuring accuracy and adherence to regulations in all documentation processes.
Overview
19
19
years of professional experience
Work History
Commercial Loan Closing Specialist II
Wells Fargo Bank, N.A.
Sacramento
10.2022 - Current
- Lead credit deal team meetings with Relationship Managers and Credit Leaders.
- Organized data, monitors, and prepares portfolios for maturing loans, lines, and Standby Letters of Credit, while engaging with internal and external partners in developing collaborative implementation of commercial loans and lines of credit.
- Served as a Subject Matter Expert on loan bookings and projects, advising on system updates in order to provide direction and consultation for assigned portfolio relationships.
- Reviewed loan documents for accuracy and compliance with regulations.
- Coordinated communication between lenders, borrowers, and legal teams.
- Prepared closing documents for real estate transactions and loans.
- Assisted in resolving discrepancies during the closing process.
- Managed electronic filing systems for loan documentation and records.
- Reviewed final documents for accuracy before disbursing funds at closing.
- Researched customer credit history and analyzed financial data in order to make informed decisions regarding loan applications.
- Collaborated with internal departments such as underwriting, processing, and servicing teams in order to provide superior customer service.
- Verified loan documentation for accuracy and completeness.
- Provided customer service by answering questions about loan products or services.
- Monitored the progress of each loan file from application through funding stage.
- Ensured compliance with federal regulations related to real estate lending laws.
- Prepared closing documents such as promissory notes, deeds of trust, and disclosure statements.
- Organized and maintained files on closed loans with relevant information.
- Conducted post-closing reviews of completed loans for accuracy and completeness.
- Handled pipeline of active deals in closing stage.
- Delivered excellent customer service by identifying needs and recommending custom solutions.
- Worked with legal counsel, lender and title company to receive loan approval.
- Worked with third-party vendors to address and clear loan closing requirements.
- Scanned and uploaded loan and related documents into system.
- Recorded applications for loan and credit, loan information and disbursements of funds.
Sales Support Specialist II
First Citizens Bank
Sacramento
06.2021 - 09.2022
- Partners closely with Commercial Lenders and/or Business groups in sales, servicing, and management of client portfolios.
- Coordinates draft loan closing documentation for Construction/Term Loans, Lines of Credit, and Loan Modifications.
- Request deeds of trust, settlement statements, and coordinate loan closings with external insurance and title companies.
- Coordinated sales support activities to ensure timely responses to customer inquiries.
- Developed and maintained customer relationship management database updates.
- Provided administrative support by scheduling meetings and maintaining calendars.
- Participated in weekly team meetings to discuss strategies for achieving goals.
- Answered high volume of calls in fast-paced environment to offer above-and-beyond support for sales representatives' diverse needs.
- Provided technical support to customers via phone or email.
- Provided timely responses to customer inquiries, ensuring high levels of customer satisfaction.
Relationship Associate II
Wells Fargo Bank, N.A.
Sacramento
03.2018 - 05.2021
- Provides support for client operational and treasury management needs. In addition, assists with treasury management implementation of products and services, while solving issues with various bank operations and departments.
- Develops client relationships to identify opportunities and provides a high grade of client focus and professionalism.
- Managed client communications to strengthen relationships and enhance service delivery.
- Collaborated with teams to resolve customer inquiries and improve satisfaction rates.
- Maintained accurate records of all customer interactions, transactions, inquiries, and complaints.
- Collaborated with other departments to ensure customer requests were handled promptly and efficiently.
- Provided assistance in resolving client issues, including reviewing account information and making recommendations.
- Organized client events to foster community connections and brand loyalty.
- Maintained accurate records of client interactions in the customer relationship management system.
- Identified opportunities for cross-selling and upselling financial products to meet clients' objectives.
- Resolved client issues and complaints promptly, maintaining trust and loyalty.
- Conducted risk assessments for client portfolios, recommending strategies to mitigate potential losses.
- Assessed billing statements for correct diagnostic codes and identified problems with coding.
- Input statement information, reconciled accounts and resolved discrepancies.
- Monitored past due accounts and pursued collections on outstanding invoices.
- Ensured compliance with regulatory standards and company policies in all client interactions.
Service Manager II
Wells Fargo Bank, N.A.
Sacramento
10.2013 - 02.2018
- Managed service operations to ensure high-quality customer experiences.
- Coordinated training programs for new staff to enhance service skills.
- Oversaw scheduling and staffing to optimize team efficiency and coverage.
- Implemented standard operating procedures to streamline service delivery processes.
- Analyzed customer feedback to identify areas for service improvement.
- Mentored junior staff on best practices in customer interaction and support.
- Resolved customer complaints in a timely manner.
- Developed and maintained relationships with customers, vendors, and suppliers.
- Prioritized and delegated daily work tasks to meet anticipated project goals.
- Conducted regular team meetings to discuss customer feedback, process improvements, and operational objectives.
- Hired and trained service department staff to drive performance.
- Oversaw daily operations of the service department, including scheduling and workflow management.
- Developed and implemented service protocols to enhance operational efficiency.
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
- Interviewed prospective employees and provided input to HR on hiring decisions.
- Organized team activities to build camaraderie and foster pleasant workplace culture.
- Planned and delivered training sessions to improve employee effectiveness and address areas of weakness.
Personal Banker/Business Advocate
Wells Fargo Bank, N.A.
Elk Grove
09.2009 - 10.2013
- Assisted clients with account inquiries and banking transactions.
- Built strong customer relationships to enhance client satisfaction.
- Educated clients on banking products and services available.
- Resolved customer complaints promptly to maintain service quality.
- Collaborated with team members to achieve branch goals consistently.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Provided customer service to clients, including answering questions and resolving issues.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Followed operational standards, promoting security, risk management and compliance.
- Cross-sold banking products such as credit cards, loans and investments.
- Greeted customers upon entering the bank and directed them to appropriate personnel or services.
- Analyzed financial documents provided by customers to determine their needs.
- Participated in training sessions regarding new banking products or services.
- Researched customer inquiries and reported findings in a timely manner.
- Collaborated with team members to meet branch targets and objectives.
- Resolved conflicts by addressing concerns promptly and effectively communicating solutions.
- Organized events to promote awareness of business advocacy efforts.
- Conducted workshops to educate entrepreneurs on best practices for success.
- Listened to customer needs to identify and recommend best products and services.
Teller/Lead Teller
Wells Fargo Bank, N.A.
Lodi
08.2006 - 09.2009
- Processed customer transactions efficiently and accurately.
- Assisted customers with account inquiries and services.
- Maintained cash drawer and balanced daily transactions.
- Educated customers about banking products and services.
- Collaborated with team members to enhance service delivery.
- Managed customer complaints and resolved issues promptly.
- Supported branch operations by maintaining a clean environment.
- Received and processed customer transactions, including deposits, withdrawals, loan payments and other banking services.
- Balanced cash drawers on a daily basis.
- Handled large volumes of currency quickly and accurately with minimal errors.
- Answered customer inquiries regarding bank products and services.
- Maintained confidentiality of all customer records and information according to company policies.
- Built and maintained client relationships through quality, personalized interactions.
- Verified customers' identification to ensure compliance with laws and regulations.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Explained account information to customers in detail as needed.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Explained the features of various banking products available to customers.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
Education
High School Diploma -
Bear Creek High School
Stockton, CA05-2005
Some College (No Degree) - Nursing
San Joaquin Delta College
Stockton, CAAssociate of Science - Nursing
Sacramento City College
Sacramento, CASkills
- Loan document review
- Closing coordination
- Compliance verification
- Portfolio management
- Customer relationship management
- Ability to research
- Interpret information
- Adapt to changes in workload in a fast-paced environment
- Team collaboration,
- Leadership skills
- Time management
- Organizational skills
- Flexible
- Perform other duties as required, and shift focus as needed
- Relationship and client-building skills
- Critical thinking skills
- Review financial reports
- Project collaboration
- Document preparation
- Loan closing documentation
- Problem-solving abilities
- Loan origination
- Verbal and written communication
- Data organization
- Attention to detail
- Communication skills
- Conflict resolution
- Closing procedures
- Loan processing
- Building rapport
- Cross-selling
- Critical thinking
- Multitasking Abilities
- Microsoft Office Suite
- Time management abilities
- Reliability
- Excellent communication
- Self motivation
- Interpersonal skills
- Records management
- Compile documents
- Financial data collection
Affiliations
- In Market Commercial Banking Community Support Captain and West Region Portfolio Execution Specialist Volunteer Advocate.
- Enjoys volunteering, networking and community involvement
- Loves spending time with family
- Hobbies include running, brisk walks, tennis, hiking, cooking, traveling and continuous learning
Languages
Tagalog
Native/ Bilingual
Timeline
Commercial Loan Closing Specialist II
Wells Fargo Bank, N.A.
10.2022 - Current
Sales Support Specialist II
First Citizens Bank
06.2021 - 09.2022
Relationship Associate II
Wells Fargo Bank, N.A.
03.2018 - 05.2021
Service Manager II
Wells Fargo Bank, N.A.
10.2013 - 02.2018
Personal Banker/Business Advocate
Wells Fargo Bank, N.A.
09.2009 - 10.2013
Teller/Lead Teller
Wells Fargo Bank, N.A.
08.2006 - 09.2009
High School Diploma -
Bear Creek High School
Some College (No Degree) - Nursing
San Joaquin Delta College
Associate of Science - Nursing
Sacramento City College
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