HENRY ESPINO JR.
Bakersfield,CA
Summary
Passionate and dedicated financial professional with a B.S. in Business Administration (Finance) and nearly five years of experience in financial services, lending, and client relationship management. Recognized as “FSO of the Year 2024” for delivering exceptional financial solutions and strategic guidance to clients. I am skilled in financial statement analysis, budgeting, compliance, and risk assessment, with proven expertise in evaluating loan applications and ensuring optimal returns. Proficient in member financial counseling. Very skilled at building trust, and delivering clear, data-driven insights to support both client and organizational success.
Overview
7
7
years of professional experience
1
1
Certification
Work History
FSO I (Financial Services Officer/Financial Solutions Officer)
Valley Strong Credit Union / Ming Branch
12.2020 - Current
- FSO of the Year for 2024.
- Interview with members to gather information and clarify the financial services offered, including auto loans, collateral loans, personal loans, credit cards, savings and checking accounts, share certificates, and individual retirement accounts.
- Receive telephone and mail inquiries from members and possible loan applicants, and answer any type of questions.
- Tasked with conducting thorough analyses of loan applications, utilizing valid assessments of collateral and creditworthiness to ensure optimal returns and secure investments for Valley Strong Credit Union. This role demands a high level of professional expertise and the capacity to make informed, objective decisions.
- Prepare documents accurately for new accounts and loans.
- Provide financial counseling or refer members to Consumer Credit Counselors. Have assisted members with advice on budgeting and how to manage personal finances.
- Assisted with coverage at other branches when needed. Adapt to any environment.
- Effectively train and coach team members that are new to the position.
- Have assisted manager duties for Spanish speakers when asked helped from branch manager.
MSR I (Member Service Representative)
Valley Strong Credit Union / Ming Branch
01.2019 - 11.2020
- Provide exceptional Member service to Members. Help with questions and problems related to accounts or services, while being value driven and maintaining the desired culture of the organization.
- Responsible for incoming/outgoing cash transactions for Members.
- Keep record of money and negotiable instruments involved in financial transactions.
- Quick to respond to questions and provide solutions to Member questions or concerns they may have related to their account(s).
- Member service knowledge
- Filing disputes
- Issue/block/re-pin cards
- Add/remove joints
- Complete wire transfers
- Close accounts (close & reopens)
- Open/close safe deposit boxes
- Navigation through enhanced account revisions
Education
Bachelor of Science - Business Administration (Finance)
California State University Bakersfield
Bakersfield, CA05.2020
Associate’s in science - Business Administration
Taft Community College
Taft, CA05.2018
Skills
- Financial Budgeting
- Understanding of Financial Statements & Analysis
- Compliance, Risk Management, & Risk Mitigation
- Strategic Planning
- Attention to detail and accuracy
- Time management and multitasker
Certification
- Tier 1 Spanish Certified Oral Proficiency Examination Bakersfield College Issued on June 13, 2019
- Bloomberg Market Concepts Certificate Bloomberg LP Credential ID: 158826621253 Issued Apr 2020
- Public Notary For the State of California - Commission Number: 2439643 Expires February 28, 2027
- Black Belt 3rd Dan Certificate - Tae Kwon Do
Languages
English and Spanish
Timeline
FSO I (Financial Services Officer/Financial Solutions Officer)
Valley Strong Credit Union / Ming Branch
12.2020 - Current
MSR I (Member Service Representative)
Valley Strong Credit Union / Ming Branch
01.2019 - 11.2020
Associate’s in science - Business Administration
Taft Community College
Bachelor of Science - Business Administration (Finance)
California State University Bakersfield
Similar Profiles
Christopher Da RosaChristopher Da Rosa
Lead Member Experience Officer at Valley Strong Credit UnionLead Member Experience Officer at Valley Strong Credit Union
Baleria SilvaBaleria Silva
West High School Branch Manager at Valley Strong Credit UnionWest High School Branch Manager at Valley Strong Credit Union
Ruby CasillasRuby Casillas
Member Experience Representative at Valley Strong Credit UnionMember Experience Representative at Valley Strong Credit Union
Carmen VeraCarmen Vera
AH Travel Direct LDRN at Adventist Health RosevilleAH Travel Direct LDRN at Adventist Health Roseville
Lyndsey BohmanLyndsey Bohman
Registered Veterinary Technician at VCA of BakersfieldRegistered Veterinary Technician at VCA of Bakersfield