Aurora Librado
Oakland,CA
Summary
Versatile and results-driven professional with a proven track record at Community Bank of the Bay, excelling in customer service and compliance monitoring. Leveraged critical thinking and Microsoft Office proficiency to enhance operational efficiency and client satisfaction. Demonstrated ability to build strong relationships and implement process improvements, significantly contributing to organizational goals.
Overview
11
11
years of professional experience
Work History
New Accounts Officer
Community Bank of the Bay
Oakland, CA
06.2023 - Current
- Received mortgage and other loan payments by verifying payment dates and amounts due.
- Developed and implemented efficient accounting systems and procedures to improve workflow.
- Resolved customer inquiries promptly and accurately via phone or email.
- Prepared and analyzed financial statements, including balance sheets and income statements.
- Performed credit analysis of potential clients by reviewing financial statements and other reports.
- Maintained and built strong client relationships through quality, personalized interactions.
- Used currency-counting machine to count currency and received checks.
- Verified customer information and documents to ensure compliance with applicable laws and regulations.
- Provided financial guidance and support to other departments, enhancing overall organizational performance.
- Deposited vendor payments and adjusted accounts to reflect changing balances.
- Reviewed and processed new account applications for accuracy and completeness.
- Obtained credit records from various reporting agencies to open new accounts.
- Informed customers of procedures for depositing checks and applying for ATM cards.
- Ensured that all client requests were handled in a timely manner.
- Advised customers on appropriate products based on their individual needs.
- Opened, maintained, and closed accounts in accordance with company policies and procedures.
- Coordinated with the IT department to improve accounting software and systems.
- Monitored customer accounts to detect suspicious activities or fraudulent transactions.
- Issued initial and replacement safe-deposit keys to customers, admitting customers to vaults.
- Implemented process improvements to enhance operational efficiency.
- Analyzed customer data to identify trends in product usage or preferences.
- Interviewed customers to obtain information needed for opening accounts or renting safe-deposit boxes.
Universal Banker
Mechanics Bank Commercial Banking
Berkeley, CA
12.2022 - 06.2023
- Helped customers understand and use technical tools such as mobile applications and online banking.
- Set up new accounts and services for customers and explained important restrictions, benefits and requirements of each.
- Satisfied customers by consistently delivering fast, knowledgeable services for diverse banking needs.
- Completed routine transfers, deposits and bill payments.
- Sold, upsold and cross-sold products to bank customers to achieve revenue targets.
- Maintained cash drawer by following exact procedures for transactions and strong security protocols.
- Assisted customers by answering banking questions and recommending solutions.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Advised customers on bank products, services and financial planning options.
- Maintained optimal financial controls by securing funds and making accurate transactions.
- Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
- Researched account information regarding loans and deposits.
- Processed general ledger tickets for expenses and fee income.
- Put together and executed loan documents.
- Determined whether members met eligibility requirements for new services.
- Adhered to bank and legal guidelines for reporting, loan approvals and money handling.
- Reviewed accounts for signs of fraud and turned over details to law enforcement officials.
Customer Service Representative
Walgreens
07.2022 - 02.2023
- Maintained knowledge of current promotions, exchange guidelines, payment policies and security practices.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
Consumer Loan Specialist
Advance America
El Cerrito, CA
11.2022 - 11.2022
- Prequalified borrowers based on credit criteria and offered debt counseling and financial education to clients and potential clients to help attain loan qualification.
- Collected and reviewed documentation from borrowers and converted to paperless format and mastered rate sheets, product codes and load price adjustments to calculate rates and fees.
Teller
Wells Fargo
Oakland, Ca
04.2019 - 09.2022
- Cross-sold bank products by answering inquiries, informing customers of new services and promotions.
- Performed transactional, operational and customer support tasks through knowledge of bank procedures and products.
- Counted drawers and reconciled remaining cash to accost for deposits and dispersals.
- Researched and resolved customer issues on personal savings, checking and lines of credit accounts.
- Identified and reported suspicious behavior to security personnel as appropriate.
- Delivered exceptional service to customers in person or over telephone.
- Entered customer transactions into computers to record transactions and issue computer-generated receipts.
- Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds.
- Built and maintained client relationships through quality, personalized interactions.
- Used a strong knowledge of banking products and services to confidently educate customers about features, benefits and pricing.
- Adhered to financial services security and audit procedures.
- Ordered checks, placed stop payment orders and conducted additional special services for customers.
- Maintained confidentiality of bank records and client information.
- Offered every customer exceptional service levels by remaining friendly and professional during every transaction.
Customer Service Representative
Ross Dress for Less
01.2018 - 01.2019
- Maintained knowledge of current promotions, exchange guidelines, payment policies and security practices.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- Upheld quality control policies and procedures to increase customer satisfaction.
- Educated customers on special pricing opportunities and company offerings.
- Consulted with customers to resolve service and billing issues.
Customer Service Representative
Chick look
San Leandro , CA
01.2014 - 01.2018
- Maintained knowledge of current promotions, exchange guidelines, payment policies and security practices.
- Provided outstanding service to new and long-standing customers by attending closely to concerns and developing solutions.
- Upheld quality control policies and procedures to increase customer satisfaction.
- Asked probing questions to determine service needs and accurately input information into electronic systems.
- Educated customers on special pricing opportunities and company offerings.
- Escalated customer concerns, issues and requirements to supervisors for immediate rectification.
Education
High School Diploma -
Skyline High School
Oakland, Ca06.2013
Skills
- Think Creatively
- Sales
- Critical Thinking
- Reliable & Trustworthy
- Organizational Skills
- Planning & Organizing
- Good Work Ethic
- Training & Development
- Team Building
- Computer Skills
- Customer Service
- Flexible Schedule
- Active Listening
- Basic Math
- Relationship Building
- Friendly, Positive Attitude
- Fluent in Spanish
- Conflict Resolution
- Problem Resolution
- Data Management
- Microsoft Office
- Banking regulations
- Compliance monitoring
- Cash handling experience
Education and Training
Oakland, Ca
Contact
Oakland, Ca 94601
Timeline
New Accounts Officer
Community Bank of the Bay
06.2023 - Current
Universal Banker
Mechanics Bank Commercial Banking
12.2022 - 06.2023
Consumer Loan Specialist
Advance America
11.2022 - 11.2022
Customer Service Representative
Walgreens
07.2022 - 02.2023
Teller
Wells Fargo
04.2019 - 09.2022
Customer Service Representative
Ross Dress for Less
01.2018 - 01.2019
Customer Service Representative
Chick look
01.2014 - 01.2018
High School Diploma -
Skyline High School
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