Summary
Overview
Work History
Skills
Timeline
Generic
Cynthia Pontious

Cynthia Pontious

Newport Beach,CA

Summary

  • Successful banking officer brings over 20 + years consistent performance and experience to the profession Of personal lending.
  • Client advocate able to efficiently and effectively balance the needs of the organizabon while providing solid counsel to ban applicants.
  • Taking a consultative approach, have received continuous praise, acclaim, compliments and testimonials from clients and staff employees alike for quality, customer service and thoroughness of submitted loan packages.
  • Exceptional oral and written skills delivered witl dedsive and dear communications. Familiar with fast-paced results oriented environment. Although not my preferred job situation, am able to bring energy necessary to handle the increased workload if necessary.
  • Superb organizational, analytical and problem-solving skills.
  • Proactively and positively takes measures that ensure critical steps are taken to complete loan documents and packages.
  • Works independently; yet a strong advocate of team environment. Adaptable to changing situations and organizational requirements.

Overview

22
22
years of professional experience

Work History

Private Caregiver

Private Individuals
09.2013 - Current
  • Maintained clean, safe, and well-organized patient environment.
  • Provided emotional support and companionship to patients, promoting overall wellbeing.
  • Handled household management tasks like laundry, light housekeeping and grocery shopping leading to a well-maintained living space.
  • Maintained a safe and clean environment, reducing the risk of infection or injury.

Consumer Officer

Schools First Federal Union
08.2012 - 08.2013
  • Reviewed loan applications completed and referred by Telephone Service Center and branches
  • Created, processed, and made decisions on loan applications received through mail, fax, or automated telephone service
  • Using on-line application system approved or denied the loan based on creditworthiness, ability to repay, stability and credit score
  • Reviewed credit reports, debt to income ratio and employment
  • Called members for needed information and educated them on additional loans that may help with their financial situation

Administrative Assistant

Friedman Insurance
01.2010 - 08.2012
  • Coordinated work flow, ensured delegated tasks deadlines were met, informed management of progress to designated timelines
  • Initiated follow up procedures in manager's absence
  • Monitored project schedules and ensured they were tracked, documented and kept on schedule

Financial Service Officer

Coastal Federal Credit Union
01.2005 - 10.2009
  • Reviewed loan applications completed and referred by TSC and branches
  • Created, processed, and made decisions on loan applications received through the mail, fax, or automated telephone system
  • Using the on-line loan application system, approved or denied the loan based on credit worthiness, ability to repay, stability and credit score

Financial Officer & Trainer

Partners Financial Credit Union
03.2003 - 03.2004
  • Analyzed loan applications and pertinent Member financial, tax returns and credit data
  • Had authority to approve or deny loans within assigned authority level for Subprime lending, prime, and second chance lending
  • This position had authority to make loan approval decisions based upon individual discretion and judgment within authorized lending limits
  • Discussed disputed loan decisions, including alternate solutions for the Member
  • Researched and resolved Member disputes in all aspects of service, goodwill and any applicable Federal or State Regulations
  • Prepared and processed all loan information and documents necessary to fund Member loan requests

Skills

  • Client advocate able to efficiently and effectively balance the needs of the organization while providing solid counsel to bank applicants
  • Taking a consultative approach, have received continuous praise, acclaim, compliments and testimonials from clients and staff employees alike for quality, customer service and thoroughness of submitted loan packages
  • Exceptional oral and written skills delivered with decisive and clear communications
  • Familiar with fast-paced results oriented environment
  • Superb organizational, analytical and problem-solving skills
  • Proactively and positively takes measures that ensure critical steps are taken to complete loan documents and packages
  • Works independently; yet a strong advocate of team environment
  • Adaptable to changing situations and organizational requirements

Timeline

Private Caregiver

Private Individuals
09.2013 - Current

Consumer Officer

Schools First Federal Union
08.2012 - 08.2013

Administrative Assistant

Friedman Insurance
01.2010 - 08.2012

Financial Service Officer

Coastal Federal Credit Union
01.2005 - 10.2009

Financial Officer & Trainer

Partners Financial Credit Union
03.2003 - 03.2004

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Cynthia Pontious