Kacy Arnold
Enterprise
Summary
Service-oriented Deposit Operations Specialist / Certified IRA specialist who thrives in fast-paced financial institution. Proficient with lending, deposit, and retirement products. Exceptional inter- and intra-personal skills.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Deposit Operations Specialist
All In Credit Union
Daleville
09.2022 - Current
- Reviewed and verified transaction documentation to ensure compliance with policies.
- Assisted in balancing cash drawers and resolving discrepancies promptly.
- Collaborated with team members to improve workflow and operational efficiency.
- Addressed member inquiries regarding account balances and transaction statuses.
- Utilized banking software to update member accounts and track transactions effectively.
- Identified opportunities for process improvement within the department.
- Processed documents for new account holders.
- Documented, reported and followed up on discrepancies.
- Adhered to regulatory requirements and maintained customer confidentiality.
- Prepared garnishment, levies and bankruptcy requests for customers.
- Analyzed data from various sources to detect any suspicious or fraudulent activities.
- Verified accuracy of customer information in system databases.
- Provided support for internal and external audits as needed.
- Processed incoming wires, ACH transactions, check deposits, and other deposit products.
- Provided training and guidance to junior staff members on deposit operations tasks.
- Coordinated with other departments to ensure smooth processing of transactions.
- Assisted in the setup of new accounts for customers.
- Resolved customer inquiries regarding deposit accounts in a timely manner.
- Reconciled data between multiple systems used in the department.
- Ensured compliance with applicable laws and regulations governing deposit operations.
- Investigated overdrafts or returned items for proper resolution.
- Updated policies and procedures related to deposit operations functions.
- Conducted research on discrepancies related to customer deposits.
- Identified transaction errors when debits and credits did not balance.
- Leveraged customer service and sales abilities to consistently meet performance goals.
- Promoted facility security by monitoring customer behaviors and following established protocols to protect individuals and assets.
- Processed term deposits, retirement savings plan contributions and mail deposits within processing time limits.
- Acted as pivotal point of contact between bank branches regarding guidelines and practices.
- Liaised between bank branches regarding best practices and operations.
Member Service Representative
All In Credit Union
Enterprise
09.2016 - 09.2022
- Assisted members with account inquiries and transaction processing.
- Educated customers on credit union products and services.
- Resolved member issues efficiently using problem-solving techniques.
- Maintained accurate records and documentation for member accounts.
- Collaborated with team members to enhance service delivery standards.
- Utilized software systems to manage member data effectively.
- Participated in training sessions to improve customer service skills.
- Provided support to members regarding account inquiries, processing transactions, and resolving issues.
- Reviewed loan applications for completeness and compliance with regulations.
- Coordinated communication between borrowers, underwriters, and lenders.
- Facilitated the collection of necessary documentation from clients and third parties.
- Processed loan files using mortgage processing software efficiently and accurately.
- Evaluated credit reports to assess borrower eligibility for loans.
- Maintained accurate records of all loan transactions in compliance systems.
- Collaborated with team members to streamline processing workflows and improve efficiency.
- Provided support to clients throughout the loan process, ensuring a positive experience.
- Submitted loan applications to underwriting department for review and approval process.
- Communicated with customers via telephone or email to obtain additional documentation required for loan processing.
- Prepared loan documents including promissory notes, deeds of trust, mortgage insurance policies and truth-in-lending statements.
- Reviewed and verified borrowers' income, credit reports and property appraisals to prepare documents for underwriting.
- Provided excellent customer service while responding promptly to inquiries from applicants, lenders and brokers.
- Created and completed loan submission packages.
- Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues.
- Developed relationships with clients, real estate agents, lenders, title companies and attorneys throughout closing process.
- Monitored progress of each loan application from start to finish ensuring timely completion.
- Updated customers regularly on status of their loans throughout the processing period.
- Filed completed packages quickly and efficiently.
- Reviewed initial client documentation to structure and submit loan package.
- Managed conditions sent from underwriting departments.
- Calculated income, assets and liabilities to meet lender requirements.
- Verified accuracy of closing figures prior to disbursement of funds.
- Adhered strictly to company policies when completing tasks associated with loan processing duties.
- Reviewed credit reports and financial information to evaluate creditworthiness of applicants.
- Maintained complete confidentiality of submitted information according to release guidelines.
- Maintained fast-paced schedule by consistently providing satisfactory application approval turnaround times.
- Discussed loan needs and financial histories with clients and conveyed information regarding application processes.
- Assisted borrowers with questions regarding their loans after closing.
- Analyzed loan applications and supporting documents to determine eligibility for approval.
Teller
All In Credit Union
Enterprise
12.2015 - 09.2016
- Processed customer transactions efficiently and accurately.
- Managed cash drawer and balanced daily transactions.
- Promoted bank services and encouraged customer engagement.
- Ensured compliance with banking regulations and policies.
- Handled customer complaints professionally and promptly resolved issues.
- Maintained a clean and organized workspace for optimal operations.
- Balanced cash drawers on a daily basis.
- Handled large volumes of currency quickly and accurately with minimal errors.
- Maintained confidentiality of all customer records and information according to company policies.
- Built and maintained client relationships through quality, personalized interactions.
- Verified customers' identification to ensure compliance with laws and regulations.
- Performed transactional, operational, and customer support tasks through knowledge of bank procedures and products.
- Identified fraudulent activity or suspicious behavior immediately reported it to management.
- Met or exceeded sales goals by promoting bank products and services in customer interactions.
- Trained employees on cash drawer operation.
- Assisted customers in opening new accounts and completing required paperwork.
- Cross-sold additional bank products when applicable to meet customer needs.
Education
Bachelor of Science - Psychology
Troy University
Troy, AL05-2016
Skills
- Transaction processing
- Documentation verification
- Customer relationship management
- Process enhancement
- Problem solving
- Training and development
- Strong analytical skills
- Conflict resolution
- Continuous improvement mindset
- Excellent time management
- Strong organizational skills
- Skilled in risk assessment
- Verbal and written communication
- Professional ethics
- IRA compliance
- Tax regulations
- Retirement planning
- Account management
- IRA regulations knowledge
Affiliations
- Animal activist / volunteer in local rescue community
Accomplishments
• Top Producer 2019 for lending product sales
• Top product penetration rate at branch while in MSR role
Certification
- Certified IRA Specialist II
Timeline
Deposit Operations Specialist
All In Credit Union
09.2022 - Current
Member Service Representative
All In Credit Union
09.2016 - 09.2022
Teller
All In Credit Union
12.2015 - 09.2016
Bachelor of Science - Psychology
Troy University