Almaz Carmichael
Fredericksburg,VA
Summary
Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies.
Overview
19
19
years of professional experience
Work History
Universal Branch Representative
Virginia Credit Union
01.2023 - Current
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- open account
- Learned about customer's financial needs, established trust, and optimized sales opportunities resulting in quality customer service.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Processed customer transactions promptly, minimizing wait times.
- Maintained accurate records of customer transactions in line with bank procedures.
- Maintained in-depth knowledge of bank products and services to provide appropriate recommendations to customers.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Generated new and repeat sales by providing product and technical information to customers.
- Boosted account openings, resulting in higher deposits and a larger customer base.
Customer Service Associate
Target
10.2022 - 01.2023
- Executes excellent sales floor merchandising and selling.
- Coordinated efficient product deliveries to meet customers' demands.
- Fulfilled customers' special requests for merchandise and delivery times.
- Kept customer spaces clean, neat and organized for maximum appeal.
- Tracked stock availability to order supplies for timely stock replenishment.
- Assisted customers in making informed purchase choices and selecting products.
Sales Associate
Kohl's Department Stores, Inc
09.2021 - 03.2022
- Helped customers locate products and checked store system for merchandise at other sites.
- Engaged with customers to effectively
- Completed orders and organized product deliveries to meet customer timetables.
- Stocked merchandise, clearly labeled items and arranged according to size or color.
Owner/Operator
Muluye Non Emergency Transportation
03.2018 - 05.2021
- Managed day-to-day business operations, including accounting, finance, marketing and public relations.
- Spoke professionally with customers regarding complaints, gathering all necessary information to make educated decisions and address issues.
- Inspected vehicle and equipment before and after every trip to monitor routine wear and identify larger maintenance issues.
- Operated with safety and skill to avoid accidents and delays.
- Maintained safe driving record by observing all road rules, remaining cautious and alert in unfamiliar areas and keeping control of vehicle at all times.
- Prepared annual budgets with controls to prevent overages
- Consulted with customers to assess needs and propose optimal solutions
- Minimized delays by planning and adjusting routes to account for changing weather and traffic conditions
Bank Teller/ATM Service Technician
Marine Federal Credit Union
07.2011 - 03.2018
- Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Answered telephone inquiries on banking products including checking, savings, loans and lines of credit.
- Processed quarterly vault and ATM audits with zero error rate.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Recognized needs and referred to appropriate representative or line of business for cross-sell or service opportunities
BANK TELLER II
MAX Credit Union
11.2006 - 05.2008
- Ensured accurate processing of deposits and pay out funds in accordance with bank procedures.
- Recorded all transactions accurately and balanced each days operations.
- Received cash, checks for deposit and opened new checking, saving, CD accounts for new customers.
- Promoted products or services to each customer to consistently achieve sales targets.
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Sold and cross-sold bank products to new and existing customers
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates
Education
Bachelor of Science - Business And Public Management
State University of New York Polytechnic Institute
Utica, NY05.1991
Skills
- Customer assistance
- Cash Register Operation
- Records Maintenance
- Time management skills
- Payment processing
- Consumer banking specialist
- Compliance, banking laws and regulations
- Customer Accounts Management
Timeline
Universal Branch Representative
Virginia Credit Union
01.2023 - Current
Customer Service Associate
Target
10.2022 - 01.2023
Sales Associate
Kohl's Department Stores, Inc
09.2021 - 03.2022
Owner/Operator
Muluye Non Emergency Transportation
03.2018 - 05.2021
Bank Teller/ATM Service Technician
Marine Federal Credit Union
07.2011 - 03.2018
BANK TELLER II
MAX Credit Union
11.2006 - 05.2008
Bachelor of Science - Business And Public Management
State University of New York Polytechnic Institute
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