Summary
Overview
Work History
Education
Skills
Certification
Work Authorization
Additional Information
Timeline
Generic

Cierra Pichardo

Moses Lake,WA

Summary

Proficient in all aspects of Bank Management and Operation, including account management, customer service, staff coordination, and product sales. Effective at communicating with employees to help deepen knowledge and career development. Known as an energetic and enthusiastic individual with knowledge of retail banking, small business lending, and community engagement outreach opportunities. Self-directed Branch Manager II with adaptability to meet changing operational needs. Energetic and resourceful professional proficient in program management and team leadership. Innate sales abilities and customer service skills.

Overview

9
9
years of professional experience
1
1
Certification

Work History

Branch Manager

Horizon Credit Union
01.2022 - Current
  • Graduated from Integrity Coaching to coach employees through success
  • Manage 2 branches with 15 employees
  • Meet with each employee monthly to discuss current performance and goal tracking within the organization
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
  • Developed strategic plans for day-to-day financial operations.
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
  • Assist in cash drawer when needed
  • Complete a monthly cash draw audit to warrant accuracy with cash on hand reporting
  • Complete data audit reports on a monthly, quarterly and annually basis
  • Meet with supervisor monthly to discuss self development and areas of opportunities
  • Process payroll to make certain timesheets are accurate and employees are being compensated for work completed
  • Maintain employee schedule and hours to ensure limited overtime
  • Manage at least 24 hours a year in community service
  • Attend Community functions such as benefit fairs, fundraiser and charity gatherings.
  • Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
  • Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
  • Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
  • Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
  • Performed banking, business administration and financial tasks to guarantee five-star service for members.
  • Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
  • Strengthened relationships with key members, securing long-term partnerships and driving revenue growth.
  • Submitted loan applications to underwriter for verification and recommendation.

Loan Officer/Member Service Representative

Granco FCU
11.2015 - 12.2021
  • Processed loans from start to finish
  • Underwriting loan by meeting with credit committee to make certain we reach an accurate decision
  • Obtained a NMLS number
  • Filled appropriate documentation with the Department of Licensing
  • Schedule appointments if members needed to come back for any reason to complete loan needs
  • Answer an average of 25 phone calls per day
  • Complete cash drawer transactions
  • Process payroll for our local Grant County PUD as well as internal employees payroll
  • Audit monthly reports such as cash on hand, employee time cards, compliance operations, fraudulent transactions, closed loan maintenance and many others
  • Attending community outreach events
  • Audit loan files
  • Worked with DOL for title documentation processing and filing.
  • Compiled database of loan applicants' credit histories, financial statements and other financial information.
  • Educated potential members on various loan options, guiding them towards informed decisions that fit their financial goals.

Bank Teller

Banner Bank
02.2015 - 10.2015
  • Completed everyday banking transactions
  • Pre screened clients for New accounts
  • Met monthly/yearly branch goals.
  • Conducted daily audits of cash drawer, ensuring accuracy and compliance with bank policies.
  • Removed mutilated currency from circulation.
  • Educated members on banking products, enabling them to make informed decisions about their finances.
  • Turned in excess cash to maintain drawer security.
  • Counted and packaged currency and coins.
  • Audited fellow teller currency to contribute to dual-control procedures.
  • Disbursed cash and checks accurately while maintaining security of cash drawers.

Education

High School Diploma -

Moses Lake High School
06.2014

Skills

  • Loan Officer Experience
  • Salesforce
  • Banking
  • Fair Housing Regulations
  • Microsoft Outlook
  • Loan Origination
  • Filing (7 years)
  • Underwriting
  • Account Management
  • Outside Sales
  • Financial Services
  • Management
  • Business Development
  • Branch Operations Management
  • Team Supervision
  • Strategic Planning
  • Business development expertise
  • Word Processing
  • Human resources knowledge
  • Goal Setting
  • Training and Development

Certification

  • National Mortgage Licensing Number, 10/01/15, Present
  • Notary Public, 09/01/19, 09/01/23
  • Integrity Coaching Certification

Work Authorization

Authorized to work in the US for any employer

Additional Information

Juanita Richards - Branch Manager III, Banner Bank - (509) 855-6638

Shane Starnes - Deputy Sheriff , Grant County Sheriffs Office - (509) 750-5773



Timeline

Branch Manager

Horizon Credit Union
01.2022 - Current

Loan Officer/Member Service Representative

Granco FCU
11.2015 - 12.2021

Bank Teller

Banner Bank
02.2015 - 10.2015

High School Diploma -

Moses Lake High School

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