DENISE MONREAL
El Paso,TX
Summary
Self-motivated professional highly proficient in developing creative solutions and implementing objective decision making. Maintains positive attitude and works hard to build team relationships. Dynamic and attentive specialized in retail banking, customer service and account management. Driven to help clients make responsible and financially beneficial decisions. Knowledgeable of branch operations and financial products to best support company and customers.
Overview
10
10
years of professional experience
Work History
Personal Banker
First Savings Bank
05.2024 - Current
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Enhanced client retention with proactive follow-ups and timely resolution of account issues.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
Client Service Lead
Vantage Bank Texas
06.2022 - Current
- Presented existing and prospective customers with valuable service or product information to aid in decision-making.
- Collaborated with sales team members to stay current on inventory levels and resolve item issues.
- Supported sales team members to drive growth and development.
- Reached out to customers after completed sales to suggest additional service or product purchases.
- Improved product knowledge on continuous basis to provide optimal service and achieve sales quotas.
- Mentored junior team members and managed employee relationships.
Consumer Loan Officer
GECU
11.2023 - 05.2024
- Investigated customer complaints regarding billing errors or discrepancies on loans.
- Advised customers on various options available for their particular financing needs.
- Prepared detailed reports for management summarizing loan activity.
- Reviewed loan applications for accuracy and completeness.
- Resolved delinquent accounts by working directly with customers or referring them to collections agencies as necessary.
- Analyzed financial statements, credit reports, and other documents to assess borrower's creditworthiness.
- Developed and implemented consumer loan products to meet customer needs.
- Provided pre-approval letters to qualified applicants.
- Assisted clients in completing loan applications accurately and completely.
- Negotiated loan terms with borrowers and finalized contracts.
Branch Manager
First Convenience Bank
01.2022 - 06.2022
- Addressed customer complaints and assisted in timely resolution for all
- Monitored operations to ensure that interactions and processes complied with operational policies
- Reviewed work performed by full time and part-time employees, providing mentoring and support to improve performance
- Implemented customized coaching and development plans to close employee knowledge gaps and build important skills in line with branch targets
- Built branch partnerships, planned new marketing strategies, and optimized teams to achieve branch targets each month
- Conducted research, assembled and analyzed data, and submitted weekly report
- Oversaw appointment scheduling and calendar maintenance for thirteen members.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
Assistant Branch Manager
First Convenience Bank
05.2016 - 12.2021
- Addressed customer complaints and assisted in timely resolution for all
- Monitored operations to ensure that interactions and processes complied with operational policies
- Reviewed work performed by full time and part-time employees, providing mentoring and support to improve performance
- Implemented customized coaching and development plans to close employee knowledge gaps and build important skills in line with branch targets
- Built branch partnerships, planned new marketing strategies, and optimized teams to achieve branch targets each month
- Conducted research, assembled and analyzed data, and submitted weekly report
- Oversaw appointment scheduling and calendar maintenance for thirteen members.
Stock Leader
American Eagle Outfitters, Inc
09.2014 - 04.2016
- Responsible for maximizing the store selling potential by effectively training and supervising Stock and Sales Associates on all merchandise handling processes
- Tracking shipments, overseeing inventory audits and maintaining reports of purchases and pricing.
Education
High School Diploma -
Eastwood High School
El Paso, TX06.2015
Skills
- Leader
- Optimist
- Determined
- Knowledgeable
- Problem solver
Languages
Spanish
Native or Bilingual
Timeline
Personal Banker
First Savings Bank
05.2024 - Current
Consumer Loan Officer
GECU
11.2023 - 05.2024
Client Service Lead
Vantage Bank Texas
06.2022 - Current
Branch Manager
First Convenience Bank
01.2022 - 06.2022
Assistant Branch Manager
First Convenience Bank
05.2016 - 12.2021
Stock Leader
American Eagle Outfitters, Inc
09.2014 - 04.2016
High School Diploma -
Eastwood High School
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