Krystal Paredes
Mankato
Summary
Dedicated professional with over a decade of experience in the banking and auditing sectors. Recognized for strong leadership in team management and exceptional customer service, consistently resolving issues and improving operational processes to enhance client satisfaction.
Overview
22
22
years of professional experience
Work History
Payroll Auditor
Wilson-McShane
Bloomington
07.2025 - 12.2025
- Audited union payroll and benefit fund contributions to ensure accuracy, compliance, and contract adherence.
- Reviewed employer records, wage reports, and supporting documentation to identify discrepancies.
- Calculated and verified contributions, fees, and arrears owed to union funds.
- Performed collection activities, including communicating with employers regarding outstanding balances and resolving payment issues.
- Prepared audit findings and maintained detailed, confidential records.
Loan Underwriter
Wells Fargo
Saint Louis Park
03.2021 - 07.2024
- Reviewed and underwrote an average of 150+ loan applications monthly, ensuring accurate assessment of credit worthiness and risk.
- Achieved a 98%+ audit accuracy rate on loan decisions, consistently exceeding internal compliance benchmarks and regulatory standards.
- Collaborated with personal bankers to collect and verify 100% of required documentation, reducing loan processing times.
- Performed detailed financial analysis, including income, credit reports, and debt-to-income ratios.
- Communicated effectively with over 75 customers/ month and internal teams to resolve application issues and ensure a smooth underwriting process.
- Maintained full compliance with federal and state lending regulations, contributing to zero compliance issues or escalations.
Bankruptcy Group Lead
Wells Fargo
Saint Louis Park
10.2013 - 03.2021
- Led daily operations for a team of 10+ members, ensuring high motivation and consistent performance.
- Delivered prompt and accurate updates to team members, improving communication efficiency and reducing information-related errors.
- Conducted monthly call and process audits for all team members, adhering to compliance and quality standards.
- Resolved 95% of escalated customer issues on first contact, improving customer satisfaction and reducing repeat escalations.
- Monitored phone queues throughout the day, maintaining average customer wait times under 2 minutes and ensuring optimal phone coverage during breaks and time off.
- Provided regular coaching and training sessions, contributing to improvement in team accuracy scores.
- Actively supported team during peak periods by handling additional calls per day, ensuring service level agreements (SLA's) were consistently met.
Bankruptcy Specialist 1-3
Wells Fargo
Saint Louis Park
11.2005 - 10.2013
- Managed a portfolio of 500+ bankruptcy accounts, ensuring compliance with federal regulations and internal policies while maximizing recoveries.
- Conducted monthly audits of delinquent accounts and payment activity, contributing to a reduction in charge-offs through proactive reconciliation and recovery strategies.
- Analyzed complex repayment plans and payment histories, reconfiguring accounts as needed to ensure alignment with court approved terms and prevent financial loss.
- Evaluated the cost-effectiveness of repossession actions, helping reduce unnecessary asset recovery costs.
- Monitored court dockets via PACER and national trustee websites to track status changes, identify missed payments, and update account records in real time.
- Determined litigation necessity based on repayment compliance and account delinquency.
- Engaged with bankruptcy trustees, court personel, and debtor attorneys, to resolve case discrepancies and obtain updated documentation.
- Played a key role in reducing end-of-month arrears, preventing losses and ensuring compliance through timely account resolution and payment application.
Personal Banker
Wells Fargo
Bloomington
05.2004 - 10.2005
- Consistently exceeded daily sales and referral goals, contributing to overall branch revenue growth.
- Built and maintained lasting customer relationships.
- Opened and managed checking, savings, mortgage refinance, and auto loan accounts, maintaining compliance with banking regulations and policies.
- Proactively assessed individual financial needs and recommended tailored solutions.
- Recognized by management for exceptional customer satisfaction and a consultative, service-first approach to sales.
Education
High School Diploma -
Grand Rapids High School
Grand Rapids, MNSkills
- Leadership
- Team management
- Customer service
- Training & Coaching
- Problem solving
- Account management
- Banking
- Microsoft
- Financial analysis
- Sales
- Risk assessment
- Regulatory compliance
- Data analysis
- Operational efficiency
- Process improvement
- Credit analysis
- Compliance
Accomplishments
2017 Wells Fargo Presidential Award- achieved by consistently providing excellent customer service and going above expectations.
Timeline
Payroll Auditor
Wilson-McShane
07.2025 - 12.2025
Loan Underwriter
Wells Fargo
03.2021 - 07.2024
Bankruptcy Group Lead
Wells Fargo
10.2013 - 03.2021
Bankruptcy Specialist 1-3
Wells Fargo
11.2005 - 10.2013
Personal Banker
Wells Fargo
05.2004 - 10.2005
High School Diploma -
Grand Rapids High School