Cely Cotto
Edgewater,NJ
Summary
Accomplished Banking Professional with overt 8 years of experience focused on credit analysis,leadership, sales, compliance,data entry,credit review, risk management, and collection. Adept at translating business requirements while building strong relationships. I am a highly-motivated individual with desire to continue growing and taking new challenges, which will allow me to contribute and to be part of the company's success.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Credit Analyst
Hanover Bank
Rockefeller Center, NY
03.2022 - Current
- Underwrite commercial mortgages line of credit, construction loans, C&I loans deals up to $19MM; multifamily buildings, 1-4 family homes, office buildings, retail buildings
- Create Excel spreadsheet for consumers and businesses financial data
- Collect and organize loan documents; Applications, tax return, business tax return, personal financial statements, credit report
- Review customer financial data to ascertain level of risk involved for providing/ extending lines of credit
- Monitor new and existing loans by completing quarterly credit reviews
- Contact customer about delinquent accounts to request payment and resolve concerns
- Provide weekly and monthly reports to Senior loan officers and Board Directors
- Complete annual stress testing model
Senior Universal Banker
Provident Bank
Teaneck, NJ
03.2020 - 01.2022
- Achieved with the team an increased revenue by $3.6M in deposit growth and $10M in homes loans by driving performance and leading Client Management Process
- Review documentation to ensure complete loan files
- Revised others banker account opening to ensure that they comply with all requirement
- Ensured timely and accurate completion of various monthly audits, certifications, proofs, reconciliations, reports, and other duties as assigned in accordance to policy
- Performed all activities related to the processing of various types of accounts and ensure compliance with application regulations, policies, and procedures
- Monitored daily operations, ensuring efficiency, accuracy and compliance with policies and procedures.
- Coordinated with other departments to ensure smooth flow of operations.
- Analyzed data from surveys or feedback forms to identify opportunities for improvement.
Retail Banking Associate
Mariners Bank
Edgewater, NJ
06.2017 - 02.2020
- Provided front-line administrative support to the branch
- Provided administrative assistance to the loan department reviewing loan application documents
- Supported loan department by ordering credit reports, booking loans meeting, and sending letters to customers
- Ensured loan files contain documents with proper signatures, dates, and other relevant data
- Complied with established policies and procedures when responding to inquiries
- Compliance with all Bank Secrecy Act regulations, Customer Identification Program and know your customer requirements
- Reconciled general ledger for the loan department
- Reviewed checks report to ensure that no fraud was committed on customers account
- Revised others banker account opening to ensure that they comply with all requirement
- Assisted manager on business site visit
UNIVERSAL BRANCH AMBASSADOR
Capital One Bank
Jersey City, NJ
12.2013 - 06.2017
- Supported customers in all areas of the branch, from the cash handling and service needs, to rotating throughout the branch based on customer needs
- Provided quality customer service to ensure a positive banking experience and relationship
- Managed the lobby and customers traffic in coordination with the lobby leading team
- Took an active role in educating customers on other banking channels as well as other products and services about how to easily navigate on the mobile to have an online experience, using the branch's laptops and iPads
- Opened online checking, savings, CDS, IRAS, business and other accounts.
Education
MPA Public Administration, And Finance -
Fairleigh Dickinson University
05-2022
B.A., Political Science, Pre-Law -
New Jersey City University
01.2017
Skills
- Efficient in Fiserv Navigator, Encompass
- Creativity & Innovation
- Oral and Written Communications
- Banking Regulations
- Data Compilation
- Report Analysis
- Financial Statement Review
- Data Entry
Certification
- Beginner Pro Excel: Financial Modeling and Valuation
- Budgeting and Finance
- MBA Project Report
- Human Resource Management
- Public Policy Administration
- Political Leadership
Timeline
Credit Analyst
Hanover Bank
03.2022 - Current
Senior Universal Banker
Provident Bank
03.2020 - 01.2022
Retail Banking Associate
Mariners Bank
06.2017 - 02.2020
UNIVERSAL BRANCH AMBASSADOR
Capital One Bank
12.2013 - 06.2017
MPA Public Administration, And Finance -
Fairleigh Dickinson University
B.A., Political Science, Pre-Law -
New Jersey City University
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