Aixa Miller
Dover,DE
Summary
Dedicated, Motivated, Detailed Oriented, Result-Driven Professional with over 14 years of experience in banking, customer relations and credit analyst displaying a high level of business acumen. Specialize in providing customer satisfaction to contribute to company success.
Overview
23
23
years of professional experience
Work History
Credit Card CSR
Discover Financial
01.2023 - 06.2023
- Assists over 100+ customers per day by energetically engaging in a fast-paced, back-to-back call environment via phone, online or chat
- Brings empathy to customer inquiries about reward redemptions, customer information updates, card activations, making payments, processing lost or stolen cards, statement and APR inquiries, and processes credit line increase and decrease requests
- Utilizes multiple systems to respond to, troubleshoot and document customer inquiries
- Leverages 2 standard screens, verbatim scripts and procedures
- Builds the Discover Financial brand by providing industry-leading care and innovative solutions
Personal Banker
Citizens
Dover, DE
09.2017 - 09.2022
- Work closely with new and existing customers to understand their financial needs and deepen relationships
- Provide recommendations and assist customers with a wide array of financial solutions to satisfy their spending, saving, borrowing and investing needs
- Help customers bank more efficiently using web, mobile and ATM banking
- Acquire new customers through outbound phone checkups and in-store prospecting
- Collaborate with your partners in Wealth, Mortgage and Business Banking to help customers with more complex financial needs
- Contact customers to schedule time to discuss their personal financial goals
- Provide financial education and services to customers to help them fit banking into their everyday lives
- Comply with all financial policies and procedures, state and local laws and regulations
Personal Banker
Xceed FCU
Parsippany, NJ
01.2016 - 01.2017
- Assist Financial Center Manager as needed to effectively run the FC on a day-to-day basis both in operations and in sales
- Including but not limited to the opening and closing of the FC
- Participate in management oversight of the branch including scheduling, facilities management, system overrides, and report tracking
- Ability to exercise independent thinking when confronting operational and service issues
- Conduct external Business Development activity to create referral sources for new business
- Deliver financial educational seminars to Select Employee Groups as assigned
- Build positive relationships with members, assess member requirements and recommend financial solutions through consultative selling practices
- Responsible for proactive sales initiatives including product sales, account opening, real estate and investment referrals, and cross-selling new products as directed
- Meet all assigned sales goals on a monthly/quarterly/annual basis
- Attain certification with the CUNA Lender Development Program and become proficient in the sales of Ancillary loan Protection products
- Complete product training with Allied solutions
- Maintain sales contact pipeline and other pertinent sales activity reports
- Originate and fund consumer loans per XFCU policy and achieving assigned goal quota
- Transaction posting, account setup and maintenance, consumer loan application processing while following established XFCU policy and procedure guidelines
- All other responsibilities or duties as assigned to ensure workload coverage, which may change or new ones may be assigned at any time
Member Service Representative/Loan Officer
County Educators FCU
Somerville, NJ
09.2008 - 03.2016
- Took and reviewed applications for consumer loan business
- Explain loan programs and advise members of loan options and requirements
- Analyzed member financial condition, including credit history, credit score, debt to income ratio, collateral, and other financial information to evaluate risk levels and the borrower's repayment capacity.
- Ensured efficient loan evaluation and decision-making process by adhering to approval guidelines
- Ensured accurate and timely completion of all loan documents.
- Ensure documentation is complete and accurate
- Complete required reports and records
- Meet with members to explain terms and conditions and close the loan
- Assist members with their financial transactions such as opening and closing accounts, deposits, withdrawals, transfers, loan payments, money orders, printing corporate checks, etc
- Properly complete all necessary paperwork involving member transactions in addition to payroll deduction, change of address forms, IRA's, debit card orders, stop payments, wire transfers, etc
- Suggest financial products by answering inquiries; informing members of new services and product promotions; ascertaining members' needs
- Perform account maintenance for members who want to change their banking products
- Ensure all cash handling procedures are followed as outlined by policy and procedure
- Process, research, and/or resolve member requests in person or via phone, e-mail, or mail
- Ensure compliance with all applicable Federal, State and Credit Union regulations, policies, and procedures
- Maintain member confidence and protect credit union operations by keeping information confidential
- Contribute to team effort by accomplishing other job duties as need
Assistant Manager
Arden B
Edison, NJ
01.2007 - 02.2008
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
- Resolved customer inquiries and complaints requiring management-level escalation.
- Scheduled staff shifts to ensure adequate coverage during peak hours.
- Analyzed sales figures to identify trends and opportunities for improvement.
- Maintained a neat, clean, organized work environment that meets company standards.
- Communicated with patrons to offer friendly service and determine needs.
Assistant Manager
Dress Barn
Watchung, NJ
08.2004 - 08.2007
- Completed thorough opening, closing, and shift change functions to maintain operational standards each day.
- Resolved customer inquiries and complaints requiring management-level escalation.
- Trained, supervised, and evaluated retail staff performance.
- Analyzed sales figures and developed strategies to increase revenue.
- Positively impacted product relevance through careful distribution, merchandising and display techniques.
- Used excellent verbal skills to engage customers in conversation and effectively determine needs and requirements.
Retail Sales Associate
Stern
Bridgewater, NJ
06.2000 - 10.2002
- Performed cashier duties such as ringing up sales, processing payments, and issuing receipts.
- Greeted customers upon entering the store and provided assistance.
- Completed transactions in an efficient manner while providing excellent customer service.
- Processed returned merchandise according to company policies.
Education
High School Diploma -
Plainfield High School
Plainfield, NJ06-2001
Skills
- Friendly
- Reliable
- Adaptability
- Customer Service
- Sales
- Strategic Planning
- Ability to use every interaction as an opportunity to build lasting relationships
- Attention to detail
- Team Player
- CRM Software
- Critical Thinking
References
References available upon request.
Timeline
Credit Card CSR
Discover Financial
01.2023 - 06.2023
Personal Banker
Citizens
09.2017 - 09.2022
Personal Banker
Xceed FCU
01.2016 - 01.2017
Member Service Representative/Loan Officer
County Educators FCU
09.2008 - 03.2016
Assistant Manager
Arden B
01.2007 - 02.2008
Assistant Manager
Dress Barn
08.2004 - 08.2007
Retail Sales Associate
Stern
06.2000 - 10.2002
High School Diploma -
Plainfield High School