Jose G. Cardenas
Summary
Strong leader, problem solver and highly motivated banking professional with over 25 years of in-depth experience. Well-versed in sales, customer service, personnel management, accounting and inventory management. Dedicated to complete knowledge of company products and services for optimized customer service. Uses independent decision-making skills and sound judgment to positively impact company success.
Overview
21
21
years of professional experience
Work History
ELending Assistant Manager
Amoco Federal Credit Union
03.2022 - 09.2023
- Supervised day-to-day operations to meet performance, quality and service expectations.
- Managed 14 Financial Service Representatives
- Conducted daily shadowing sessions
- Routed applications accordingly to each of the eLending team members
- Mentored & worked with the team on customer service, how to overcome objectives, keeping the team's loan pipeline up to date, etc.
Personal Banker III
Cadence Bank
12.2019 - 03.2022
- Assisted customers with setting up or closing personal & business accounts, completing loan applications, signing up for new services, and setting up appointments for investment accounts.
- Processed wire and account transfers.
- Provided referrals to mortgage, investments, merchant services, and loans.
- Explored new business mortgage opportunities to assist customers and future prospects with refinancing mortgages with HELOCS, HELOANS, and BLOC to consolidate debt and / or save the clientele time & money.
Financial Relationship Consultant /Personal Banker
Regions Bank
02.2014 - 10.2019
- Educated clients on various financial matters and provided professional recommendations on opportunities, products, and services based on each clients' individual needs, as well as set up appointments for annuity & investments.
- Developed personal rapport with each client to maintain customer loyalty and establish long-term accounts.
- Sales leader in credit applications, account retention, and prospective customer conversions.
- Processed wire transfers, cash advances, and annuity payouts.
- Processed mortgage applications, refinanced auto loans, home equity loans, and lines of credit.
- Assisted customers with opening, retaining, and / or closing personal and business accounts.
Personal Banker / Teller & Vault Supervisor
Comerica Bank
09.2004 - 01.2014
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Supervised 5 bank tellers
- Cash handling and teller duties, purchases and payments for personal & business accounts.
- Currency & coin order, currency shipments, teller audits, end of day reports, branch supply orders.
- Managed daily vault transactions.
Warehouse / Sales Manager
Caffey Enterprises
08.2008 - 08.2010
- Supervised 10+ employees
- Conducted team meetings to reinforce goals and objectives and set clear expectations about policies and procedures.
- Handled shipping & receiving, loading and unloading of products.
- Promoted and advertised weekly product sales.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Ensured that the warehouse was organized and 5S compliant.
- Data entry - sales and merchandise information, daily sales reports
- Managed international & domestic sales and maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Oversaw product inventory to ensure availability and accuracy.
Senior Teller/Vault Teller
Bank One
07.2002 - 09.2004
- Balanced staff and vault at end of day and secured monies in accordance with established procedures.
- Cash handling, purchases and payments.
- Sent and received currency shipments.
- Adhered to dual control processes and audited cash drawers to reduce losses due to accounting errors and employee theft.
- Serviced ATM deposits and commercial night drops.
- Conducted monthly and quarterly audits and end of month reports.
- Answered customer questions and explained policies and procedures to solve problems and assist with complex transactions.
Education
High School Diploma -
Stephen F. Austin
Houston, TXSkills
- Problem Solving
- Organization & attention to detail
- Customer Service
- Excellent written & verbal communication
- Leadership & team management
- Time management
- Loan processing
- Computer knowledge
- Teamwork
- Strong mathematical skills
- Negotiation skills
- Financial knowledge
- Adaptability, innovation, & goal oriented
- Data entry
Languages
English
Spanish
Timeline
ELending Assistant Manager
Amoco Federal Credit Union
03.2022 - 09.2023
Personal Banker III
Cadence Bank
12.2019 - 03.2022
Financial Relationship Consultant /Personal Banker
Regions Bank
02.2014 - 10.2019
Warehouse / Sales Manager
Caffey Enterprises
08.2008 - 08.2010
Personal Banker / Teller & Vault Supervisor
Comerica Bank
09.2004 - 01.2014
Senior Teller/Vault Teller
Bank One
07.2002 - 09.2004
High School Diploma -
Stephen F. Austin
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