JANINE GARIBAY
Vacaville,CA
Summary
Analytical, dependable, organized and detailed-oriented business professional with 15+ of experience in the financial industry. Highly experienced individual with proven track record of delivering excellent customer service, managing complex financial transactions and providing financial advice to clients. Proven knowledge of finance operations and administrative support. Aiming to leverage my abilities to successfully fill the position on your team. Very quick learner and able to adapt with ease. Knowledge with various computer software: Microsoft Office, Deposit Pro, Meridian Link, Sales Force, Episys / Symitar. 10-key touch, 60-70 wpm, DNA, Arco/ Lending 360, Lumin Digital Banking.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Sr. Financial Service Representative
Travis Credit Union
04.2024 - Current
- Assisted branch operations supervisor and branch manager with back-up oversight of teller operational duties.
- Discussed financial options with clients and provided informed suggestions.
- Met with members to understand goals and recommend solutions to fit specific needs.
- Opened all new accounts and services for members.
- Processed personal secured, unsecured, credit card, auto, and title loans.
- Referred real estate products, business products/ services, and investment products.
- Opened and closed branch.
- Assisted with monthly audits, balancing the vault/ TCR, and supervisor day to day tasks.
FINANCIAL SERVICE REPRESENTATIVE
Langley Federal Credit Union
11.2021 - 11.2023
- New deposit accounts, IRA's, processed personal, commercial and home equity loans
- Ensured compliance with federal banking regulations when handling customer funds
- Maintained up-to-date knowledge of company products and services to ensure compliance with all applicable laws and regulations
- Demonstrated strong interpersonal skills while interacting with customers in person, over the phone, or via email
- Researched potential investments opportunities for clients based on their individual goals
- Trained new staff members on proper procedures related to financial services operations.
CLIENT SERVICE REPRESENTATIVE
Beach Bank
09.2019 - 06.2021
- Teller, opened personal and business accounts, opened and closed branch, wire transfers, referred residential, personal, and business loans
- FED processing, balanced vault, scanned proof work, cash advance and assisted with manager duties.
CUSTOMER SERVICE REPRESENTATIVE / PERSONAL BANKER
First Hawaiian Bank
09.2010 - 05.2016
- Opened all accounts, promote and sell accounts, assisted branch supervisor, FED processing, opened and closed branch, wire transfers, mortgage loan officer, business and personal loan officer, maintained 150 + personal banking customer portfolios, attended business meetings.
INTERNET BANKING SUPPORT ANALYST
Bank of Whitman
10.2008 - 08.2009
- Internet banking support / maintenance, processing ACH files, processing remote deposit files, creating personal and online banking accounts, balancing merchant services account, ACH and remote deposit support.
NEW ACCOUNTS REPRESENTATIVE
Bank of Whitman
07.2006 - 10.2008
- Customer service, opening all accounts (checking, savings, money market, CD, IRA, & business)
- Cash management, back-up teller, balance vault, FED processing, and attend business meetings.
BRANCH SUPERVISOR
Armed Forces Bank
12.2004 - 07.2006
- Supervised all tellers, customer service, maintained work schedules, opened all accounts, overrides, merchant deposits, balanced vault daily, account maintenance, FED processing, trained all tellers procedures, wire transfers, western union, credit card payments, and balanced all Aafes cash registers.
Education
Some College (No Degree) -
Hawaii Pacific University
Honolulu, HISome College (No Degree) -
Windward Community College
Kaneohe, HISome College (No Degree) -
Leeward Community College
Pearl City, HISkills
- Analytical and Critical Thinking
- Self-Directed
- Time Management
- Organization and Time Management
- Supervision and Leadership
- Trained Incoming Employees
Certification
Nationwide Mortgage Licensing System certified
Education and Training
other,other,other
References
- MARSHALL SHELTON, Branch Manager, Langley Federal Credit Union (757) 827-5328, mshelton@langleyfcu.org
- COURTNEY BRYANT, AVP / Branch Manager, The First Bank (850) 515-1344, cbryant@thefirstbank.com
- WAYNE ISERI, VP / Branch Manager, First Hawaiian Bank (808) 561-3032, wayneiseri@fhb.com
Timeline
Sr. Financial Service Representative
Travis Credit Union
04.2024 - Current
FINANCIAL SERVICE REPRESENTATIVE
Langley Federal Credit Union
11.2021 - 11.2023
CLIENT SERVICE REPRESENTATIVE
Beach Bank
09.2019 - 06.2021
CUSTOMER SERVICE REPRESENTATIVE / PERSONAL BANKER
First Hawaiian Bank
09.2010 - 05.2016
INTERNET BANKING SUPPORT ANALYST
Bank of Whitman
10.2008 - 08.2009
NEW ACCOUNTS REPRESENTATIVE
Bank of Whitman
07.2006 - 10.2008
BRANCH SUPERVISOR
Armed Forces Bank
12.2004 - 07.2006
Some College (No Degree) -
Leeward Community College
Some College (No Degree) -
Hawaii Pacific University
Some College (No Degree) -
Windward Community College
Similar Profiles
DAVID Michael GONZALESDAVID Michael GONZALES
Facility Supervisor at Travis Credit UnionFacility Supervisor at Travis Credit Union
Aneisha GreenAneisha Green
Senior Call Center Representative at Travis Credit UnionSenior Call Center Representative at Travis Credit Union
Mayleen TalimeliyorMayleen Talimeliyor
Funding Specialist II at Travis Credit UnionFunding Specialist II at Travis Credit Union
Kimberley BergantzKimberley Bergantz
Collateral Protection Specialist at Travis Credit UnionCollateral Protection Specialist at Travis Credit Union
DIJONNAIE AGNEWDIJONNAIE AGNEW
Certified Nurse Assistant/Home Health Aide at MD Choice HospiceCertified Nurse Assistant/Home Health Aide at MD Choice Hospice