Crystal Hernandez

• Analyze and evaluate credit applications to assess creditworthiness.

• Review credit reports, tax returns, and income statements to identify additional lending opportunities

• Manage individual queue efficiently, ensuring timely credit decisions and loan closings.

• Track and report monthly sales while consistently meeting or exceeding established organization sales goals.

• Oversee indirect lending channels and coordinate auto lending partnerships directly with local automotive dealerships.

• Cultivated relationships with clients to understand financial needs and recommend suitable financial solutions.
• Managed consumer accounts, handling onboarding, opening, and closing procedures securely.
• Introduced clients to specialized institutional partners to grow wealth management and business relationships
• Composed clear, professional correspondence between clients, internal partners, and management.
• Followed up proactively with clients to ensure total satisfaction and verify the efficiency of services provided.

• Generated new business by conducting thorough portfolio assessments and offering tailored financial solutions.
• Calculated potential interest earnings according to specific deposit funding tiers and current rate promotional offers.
• Prepared and verified daily operational report maintenance to support successful virtual branch audits
• Assisted with cash loading, strict verification, and balancing for branch ATMs and the primary vault.
• Handled daily consumer transactions and administrative functions while maintaining a respectful, efficient client environment.