Camilia Gonzales
Taos,NM
Summary
Dynamic banking professional with a proven track record at US Bank National Association, excelling in financial planning and relationship building. Spearheaded process improvements and enhanced banking relationship management, achieving significant customer satisfaction. Expert in banking regulations and adept at team coaching, consistently delivering results beyond expectations.
Overview
13
13
years of professional experience
Work History
Associate Banker
NBH Bank
Taos, NM
06.2024 - Current
- Analyzed customer needs and provided appropriate financial solutions.
- Balanced daily cash deposits and vault inventory with zero error rate.
- Customized products and services to meet specific banking requirements.
- Assisted customers with account opening and maintenance.
- Resolved customer inquiries and complaints, ensuring satisfaction and compliance with banking regulations.
- Ensured compliance with banking regulations and procedures in daily operations.
- Monitored customer accounts for suspicious activities or potential fraud cases.
- Identified transaction errors when debits and credits did not balance.
- Assisted customers by answering banking questions and recommending solutions.
- Built positive relationships with realtors to produce client referrals.
- Counted currency, coins and checks received to prepare for deposit or shipment to branch banks or Federal Reserve Bank.
Teller Manager
US Bank National Association
Taos, NM
04.2012 - 02.2019
- Worked closely with corporate banking teams on special projects related to product launches or campaigns.
- Identified opportunities for process improvements and communicated them to tellers.
- Monitored daily cash levels to ensure accurate balancing of accounts at the end of each day.
- Created financial management mechanisms to minimize financial risk to business.
- Controlled cash and carried out cash use forecasting to maximize availability while minimizing risk.
- Provided feedback on employees' performance during one-on-one meetings.
- Conducted monthly meetings with staff to review performance, discuss challenges, and provide support.
- Created teller team schedules to maintain adequate staffing.
- Monitored branch activities for compliance with BSA and AML, reporting issues to professionals.
- Developed invoicing systems and internal controls to boost billing efficiencies.
- Managed relationships with tax authorities, bankers and auditors.
Universal Banker
US Bank Home Mortgage
Taos, NM
02.2014 - 07.2017
- Resolved problems or discrepancies concerning customers' accounts.
- Assisted customers by answering banking questions and recommending solutions.
- Cross-sold bank products such as debit cards, credit cards and overdraft protection plans to existing customers.
- Cross sold bank products such as savings accounts, money market accounts, certificates of deposit.
- Opened new accounts for customers including checking and savings accounts, certificates of deposit, IRA's and online banking accounts.
- Reviewed clients' accounts and plans regularly to determine need for plan reassessment.
- Assisted in the processing of IRA contributions, transfers, and distributions.
- Explained various types of IRAs to customers including Traditional, Roth, SEP, SIMPLE plans.
- Addressed and resolved underwriting discrepancies and sought additional information as needed.
- Negotiated terms of loans with borrowers when necessary in order to reduce risk or meet their needs better.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
Education
Bachelor of Arts - Accounting And Finance
Ashford University
San Diego, CA05-2017
Bachelor of Science - Criminology
Ashford University
San Diego, CA05-2016
Skills
- Financial planning
- Banking regulations
- Cash oversight
- Loan processing
- Investment strategies
- Banking relationship management
- Consumer banking
- Account updating
- Securities underwriting
- Loan approvals
- Teller support
- Commercial banking
- New customer acquisition
- Relationship building
- Escrow management
- Analyzing data
- ATM balancing
- Mortgage lending
- Opening and closing procedures
- Financial advice
- Professional demeanor
- Team coaching and training
- Account audits
- Money handling
- Night and safe deposit procedures
References
References available upon request.
Timeline
Associate Banker
NBH Bank
06.2024 - Current
Universal Banker
US Bank Home Mortgage
02.2014 - 07.2017
Teller Manager
US Bank National Association
04.2012 - 02.2019
Bachelor of Arts - Accounting And Finance
Ashford University
Bachelor of Science - Criminology
Ashford University
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