Seth Rocco
Pueblo West
Summary
Experienced Credit Analyst offering well-developed skills in managing teams, record updates, and financial statement reviews. Pursuing a position in a busy organization where a qualified individual with an understanding of collections is highly sought.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Manager
Sunwest Credit Union
02.2021 - 04.2025
- Actively market credit union products including personal, auto, home equity, and business loan offerings to achieve credit union growth goals
- Provide membership/applicants concerning the different types of loans offered (Interest rate, term, and documentation)
- Identifies and executes cross selling opportunities of credit union products to members to meet their financial goals while applying internal controls
- Determines value of collateral, verifies auto insurance coverage
- Work with dealerships on purchases of vehicle
- Evaluated loan applications for compliance with credit union policies.
- Conducted credit checks and assessed financial information of applicants.
- Ensured compliance with federal, state, and local regulations as well as company policies and procedures.
- Analyzed credit reports to ensure accuracy of reported information before approving loans.
- Conducted interviews with applicants and collected documentation to verify income, assets, liabilities, credit history and other financial information.
- Identified trends in delinquencies that could indicate a need for additional training or process changes.
- Maintained an up-to-date knowledge of applicable laws governing lending practices.
- Reviewed loan applications to determine creditworthiness and eligibility for approval.
Loan Officer and Underwriter
Aventa Credit Union
Pueblo
05.2014 - 02.2021
- Accept and process loan application for auto, personal, secured, credit cards
- Review application including personal information and credit report
- Decision loan based off each individual application
- Process approved loans including obtaining stipulations, funding
- Open new accounts for membership
- Audit and review loan files to make sure there is no exceptions
- Process and changes to current loans (Due date change or skipping payments)
- Process and payoff requests
- Evaluated loan applications for creditworthiness and compliance with guidelines.
- Prepared detailed loan documentation for approval and processing.
- Communicated with clients to gather necessary financial information and documentation.
Branch Manager
WELLS FARGO
Gunnison
02.2010 - 05.2014
- Build and maintain client bases, keeping current client plans up-to-date and recruiting new clients on an ongoing basis.
- Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives.
- Answer clients' questions about the purposes and details of financial plans and strategies.
- Review clients' accounts and plans regularly to determine whether life changes, economic changes, or financial performance indicate a need for plan reassessment.
- Recommend strategies clients can use to achieve their financial goals and objectives, including specific recommendations in such areas as cash management, insurance coverage, and investment planning.
- Devise debt liquidation plans that include payoff priorities and timelines.
- Conduct commercial lending
- Managed daily branch operations and ensured compliance with bank policies.
- Led staff training sessions to enhance customer service skills and product knowledge.
- Oversaw scheduling and workflow to optimize team productivity and efficiency.
- Researched market trends to identify potential new business opportunities within the commercial lending sector.
- Evaluated customer applications for commercial lending products and services according to established criteria.
- Assessed the integrity of financial records related to commercial lending activities.
Education
Bachelors of Science - Business Administration
Adams State College
Alamosa, COBachelors of Arts - Business Finance
Adams State University
Alamosa, COBachelors of Arts - Business Management
Adams State University
Alamosa, COMBA - Public Administration
Adams State University
Alamosa, COSkills
- Loan underwriting
- Regulatory compliance
- Credit analysis
- Financial reporting
- Risk assessment
- Customer service
- Market analysis
- Branch operations
- Process improvement
- Decision-making
- Interviewing and hiring
- QuickBooks experience
- Project management
- Financial advising
- Risk analysis
Certification
- Notary Public
- NMLS
Timeline
Branch Manager
Sunwest Credit Union
02.2021 - 04.2025
Loan Officer and Underwriter
Aventa Credit Union
05.2014 - 02.2021
Branch Manager
WELLS FARGO
02.2010 - 05.2014
Bachelors of Science - Business Administration
Adams State College
Bachelors of Arts - Business Finance
Adams State University
Bachelors of Arts - Business Management
Adams State University
MBA - Public Administration
Adams State University
Similar Profiles
Leticia VillarealLeticia Villareal
Senior Loan Processor at SunWest Credit UnionSenior Loan Processor at SunWest Credit Union
ShaMeka Bryant-ThomasShaMeka Bryant-Thomas
Executive Assistant to the Chief Executive Officer at SunWest Federal Credit UnionExecutive Assistant to the Chief Executive Officer at SunWest Federal Credit Union
Christopher SotomayorChristopher Sotomayor
Universal Banker at Sunwest Federal Credit UnionUniversal Banker at Sunwest Federal Credit Union
Silas WilsonSilas Wilson
Practice Manager of Operations at Heartland DentalPractice Manager of Operations at Heartland Dental
Raul ZambranoRaul Zambrano
Squad Leader at US ArmySquad Leader at US Army