Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
Generic

Crystal J Wolgamott

Dover,OH

Summary

Experienced banking professional with superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies.

Overview

29
29
years of professional experience

Work History

Universal Banker II

First National Bank of Dennison
10.2022 - Current
  • Proven ability to learn quickly and adapt to new situations.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Supported branch operations, ensuring compliance with all federal and state regulations as well as bank policies.
  • Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
  • Maintained accuracy in daily transaction reporting, reconciling discrepancies promptly to ensure seamless accounting operations within the branch.
  • Ensured a consistent and positive customer experience by upholding high standards of professionalism, courtesy, and responsiveness in all interactions.
  • Trained and mentored junior banking staff to maximize performance, efficiency, and compliance.
  • Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.
  • Executed wire transfers, stop payments and account transfers.
  • Trained new hires on customer service policies and procedures.
  • Opened checking, savings, money market and certificates of deposit accounts and ordered checks, debit cards and furnished online banking details to facilitate new transactions.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Identified customer financial needs through in-person efforts, cold calls, referrals, and marketing while providing strong product knowledge and quality service.
  • Supervised operations staff and kept employees compliant with company policies and procedures.
  • Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
  • Achieved higher employee retention rates by fostering a positive work environment and providing opportunities for professional growth.
  • Tracked employee attendance and punctuality, addressing repeat problems quickly to prevent long-term habits.
  • Scheduled employees for shifts, taking into account customer traffic and employee strengths.
  • Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
  • Enhanced financial accuracy by meticulously reconciling balance sheet accounts and resolving discrepancies.
  • Prepared working papers, reports and supporting documentation for audit findings.
  • Collected and reported monthly expense variances and explanations.
  • Maintained integrity of general ledger and chart of accounts.
  • Reviewed accounts, resolved coding areas, and tracked recurring expenses for accrual entry.
  • Compiled general ledger entries on short schedule with 100% accuracy.
  • Reduced risk exposure by conducting thorough audits and identifying control weaknesses.
  • Created clear, concise audit reports that effectively communicated findings, recommendations, and required actions to stakeholders.
  • Assisted in training junior staff members, sharing knowledge and expertise for their professional growth.
  • Maintained compliance with regulatory requirements by staying current on industry standards and best practices.
  • Participated in special projects, such as fraud investigations or due diligence reviews, as needed to support organizational goals.
  • Managed audit resources efficiently to ensure timely completion of assigned tasks while maintaining high-quality work standards.
  • Performed auditing work in accordance with rigorous auditing standards and principles.
  • Followed established auditing processes to meet internal and regulatory requirements.
  • Conducted financial, compliance and operational audits.
  • Provided journal entries and performed accounting on accrual basis.
  • Cashed checks, accepted deposits and withdrawals within assigned limits and calculated daily transactions using computers, calculators or adding machines.
  • Provided exceptional service through accurate and efficient management of teller line duties while maintaining strict confidentiality standards.
  • Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
  • Assisted clients in understanding complex financial documents required for completing their loan applications successfully.
  • Set up and completed loan submission packages.
  • Prepared documents for underwriting by verifying client income, credit reports, and other information.
  • Managed multiple loans simultaneously ensuring timely completion of each task assigned without compromising on compliance or quality standards.
  • Developed and maintained relationships with customers and loan officers to establish smooth loan process.
  • Analyzed credit reports to determine eligibility of applicants and capacity for loan products.
  • Utilized loan origination software to process and track loan applications.
  • Processed loans within various departments to achieve timely, accurate, and fair proceedings.
  • Coordinated closing process with attorneys, title companies, and government clerks.
  • Reduced errors in loan documentation by introducing comprehensive checklist for loan processors.

Financial Relationship Banker

Huntington Bank
06.1996 - 01.2022
  • Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have enough funds
  • Establish and maintain relationships with individual or business customers or provide assistance with problems customers may encounter
  • Inform customers about foreign currency regulations, and compute transaction fees for currency exchanges
  • Identify transaction mistakes when debits and credits do not balance
  • Examine, evaluate, or process loan applications
  • Prepare financial or regulatory reports required by laws, regulations, or boards of directors
  • Establish procedures for custody or control of assets, records, loan collateral, or securities to ensure safekeeping
  • Oversee the flow of cash and financial instruments
  • Monitor bank vaults to ensure cash balances are correct
  • Perform clerical tasks such as typing, filing, and microfilm photography
  • Prepare work schedules for staff
  • Recruit staff members and oversee training programs
  • Network within communities to find and attract new business
  • Open new accounts for customers
  • Sit with clients and set budgets, make plans to rebuild credit and help them become more financially secure
  • Digital Coach for the branch
  • Helping the branch achieve the corporate goals set for online usage by customers, helping the customers learn how to use their online banking and mobile app
  • Pull and present weekly huddle to show areas of opportunity and strength
  • Coach and teach branch about new updates as needed
  • I have been the new hire trainer for the teller line
  • I would work with the teller for 90 days after hire to teach the system and ensure understand of police and procedure
  • While in the Personal Banker role for 4 years, I achieved Directors Club as a banker 5 times
  • This is an award that is only given to the top 10% in the district
  • Exceptional customer relationship skills
  • Excelled in every customer facing based position held
  • As assistant manager I was part of the Chamber of Commerce and Rotary Club
  • I attended the business after hours functions and all community events for my branch
  • Mentor fellow employees and help them grow

Customer Service Rep

AT&T
07.2009 - 09.2010
  • Answer incoming calls to resolve customer problems in a very pleasant and timely manner while adhering to company requirements
  • Recommend improvements in products, packaging, shipping, service, or billing methods and procedures to prevent future problems
  • Check to ensure that appropriate changes were made to resolve customers' problems
  • Refer unresolved customer grievances to designated departments for further investigation
  • Helped train new reps by allowing them to listen in on my calls to learn how to resolve customer issues
  • Achieved many perfect calls that the company used for training purposes
  • Promoted to floor support manager

Education

High School -

Shadyside High School
Shadyside, OH
05.1995

Accounting degree - Completed Coursework Towards

Belmont Technical College
St Clairsville, OH
06.1996

Skills

  • Branch operations
  • Cash handling proficiency
  • Financial institution regulations
  • Proficient in policy and procedure
  • Customer needs assessment
  • Team coaching and training
  • Analytical thinking
  • Audit support
  • Staff training

Accomplishments

    Directors Club Award 5 quarters in a row.

    Company's only Perfect score for a mystery shop.

    Highest customer service score in the company.

Timeline

Universal Banker II

First National Bank of Dennison
10.2022 - Current

Customer Service Rep

AT&T
07.2009 - 09.2010

Financial Relationship Banker

Huntington Bank
06.1996 - 01.2022

High School -

Shadyside High School

Accounting degree - Completed Coursework Towards

Belmont Technical College

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Crystal J Wolgamott