Bibiana Restrepo
Hialeah Gardens,FL
Summary
Dedicated and results-driven banking professional with over 20 years of experience in customer service, account management, and financial services. Proven success in relationship building, cross-selling financial products, and exceeding sales targets. Skilled in handling complex financial transactions and resolving account issues with a strong focus on accuracy and compliance. Bilingual in English and Spanish, with excellent interpersonal and organizational skills.
Overview
21
21
years of professional experience
Work History
Loan Processing / Servicing Specialist
Power Financial Credit Union
Miami, FL
06.2009 - 06.2025
- - Manage the full life cycle of consumer loan servicing, including payment processing, payoff requests, title release, and lien perfection.
- - Prepare consumer loan applications for closing in branch and electronically, ensuring all closing documents are accurate and compliant with regulatory and credit union procedures.
- - Oversee the collections process for delinquent accounts, preparing and submitting charge-off documentation in compliance with policy and regulatory standards.
- - Monitor aging reports and coordinate with collections and recovery teams to ensure timely resolution and follow-up of past due accounts.
- - Communicate with members regarding loan inquiries, payment arrangements, and account status to support early-stage collection efforts.
- - Maintain accurate records of collection activity, payment arrangements, and account status changes in core banking systems.
- - Ensure compliance with federal and state regulations related to loan servicing and collections, including FDCPA.
- - Collaborate with internal departments to address complex servicing issues and support cross-functional process improvements.
- - Assist with internal and external audits related to loan portfolio quality, delinquency management, and charge-off activity.
Teller / Personal Service Advisor
Power Financial Credit Union
Miami, FL
01.2008 - 01.2009
- - Processed deposits, withdrawals, and other financial transactions with accuracy and efficiency.
- - Identified member needs to recommend appropriate products and services.
- - Executed weekly reconciliation of negotiable items.
- - Maintained daily and weekly balancing of cash drawers and vault.
- - Handled incoming mail and processed loan payments and payoffs.
- - Contacted members regularly to maintain and build relationships.
- - Cross-sold deposit products and referred members to other services.
Member Service Representative
Eastern Financial Florida Credit Union
Miami, FL
01.2006 - 01.2008
- - Provided information on banking products and services.
- - Handled member inquiries, account withdrawals, deposits, and problem resolution.
- - Conducted routine correspondence and processed new accounts and loan applications.
- - Performed monthly ATM audits and daily balancing.
- - Developed and maintained client relationships via outbound sales calls.
Senior Full-Time Teller
Eastern Financial Florida Credit Union
Miami, FL
01.2004 - 01.2006
- - Processed cash transactions, including deposits, withdrawals, and transfers.
- - Balanced cash register and resolved discrepancies.
- - Assisted members with financial instruments like money orders and cashier checks.
- - Directed members to appropriate departments based on their needs.
Education
Associate of Science - Business Administration
Miami Dade College
Dade City, FLHigh School Diploma - undefined
Barbara Goleman Senior High School
01.1999
Skills
- Bilingual: English & Spanish
- Excellent communication and customer service skills
- Proficient in Microsoft Office Suite
- Self-motivated, dependable, and detail-oriented
- Certified Public Notary
- Experienced in loan processing, balancing procedures, and account management
Timeline
Loan Processing / Servicing Specialist
Power Financial Credit Union
06.2009 - 06.2025
Teller / Personal Service Advisor
Power Financial Credit Union
01.2008 - 01.2009
Member Service Representative
Eastern Financial Florida Credit Union
01.2006 - 01.2008
Senior Full-Time Teller
Eastern Financial Florida Credit Union
01.2004 - 01.2006
High School Diploma - undefined
Barbara Goleman Senior High School
Associate of Science - Business Administration
Miami Dade College