Lydia Guerrero
Sherman,TX
Summary
Dynamic banking professional with extensive experience in Banking, excelling in compliance and customer relationship management. Proven ability to analyze financial needs and recommend tailored solutions, enhancing client satisfaction. Skilled in rapid data entry and effective communication, consistently achieving sales goals while maintaining a detail-oriented approach in fast-paced environments.
Overview
18
18
years of professional experience
Work History
Senior Relationship Banker
Simmons Bank
2911 FM 691 Denison Tx 75090
04.2023 - Current
- Responsible to share and recommend the banks full scope of resources with customers, including traditional in branch services, digital capabilities, and business partner resources
- Ensure individual goals are met through required levels of in person and outbound calling activities that provide an opportunity for us to share vauled solutions and recommendations via needs based philosophy
- Perform all functions related to opening and closing accounts including assisting customers with the appropriate selection of accounts performing research of customers accounts and complying with BSA and CIP requirements
- Facilitate consumer loan request solicit loan request, maintain knowledge of loan polices and procedures assist with branches, consumer loan portfolio coach staff , sell and handle consumer loan request in an effective manner.
- Uncover needs and refer customers to a partner centric team that works with small business, corporate and institutional partners, and mortgage and financial advisors
- Maintain a high level of client satisfaction by engaging our customers and ensuring we are providing an optimal customer experience
- Ensure all departmental documents and activities are performed in compliance with applicable completion of required compliance training.
- Process customer requested transactions in a positive accurate and professional manner while engaging in a genuine conversation to help identify needs recommend solution.
- Analyzed financial needs to recommend appropriate banking products and services.
- Facilitated account openings, closings, and maintenance with attention to compliance standards.
- Mentored junior staff on best practices in customer service and operational procedures.
- All Teller and tcr training
- Developed and maintained strong client relationships through personalized banking solutions.
- Streamlined account opening processes to enhance customer experience and efficiency.
- Mentored junior bankers in effective relationship management techniques and best practices.
- Analyzed customer financial needs to recommend appropriate products and services.
Research and Adjustments
Independent Bank
McKinney, TX
03.2022 - 02.2023
- Processed account maintenance requests and checked for alignment with bank policy.
- Immediately reported discrepancies and assisted in clearing discrepancies.
- Demonstrated strong writing skills to generate original correspondence and reports.
- Processed online banking deposits.
- E-statement set up and maintenance.
- Processing incoming returns.
- Check adjustments / Stop pay processing
- Reports and totals.
- Providing support to checks and ach
- Research and maintenance requests.
- Process incoming returns.
- Process non post items.
Relationship Banker II
American Bank Of Texas/ First United Bank
05.2015 - 03.2022
- Executed customer transactions, including deposits, withdrawals, money orders and checks open consumer and business accounts.
- Processed quarterly Vault and ATM audits.
- Keyed customer details, including contact information and payment data into system, carefully observing all corporate procedures related to confidentiality.
- Presented new and additional products and services to existing customers.
- Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.
- Processed high number of customer requests for financial services per day, including reissuing statements, ordering additional checks and updating customer personal information in database.
- Continually boosted branch production and revenue by consistently meeting all monthly and quarterly sales goals.
- Completion of wires
Loan Customer Service Representative
Texas car title and payday loan services inc.
01.2013 - 10.2013
- Collected member loan payments.
- Answered telephone inquiries on loan products including insurance, savings, loans and lines of
- Recommended loan approvals and denials based on customer loan application reviews.
- Reviewed over financial statements
- Effectively managed high-volume of inbound and outbound customer calls.
- Recommended loan approvals and denials based on customer loan application reviews.
- Monitored payments due from clients and promptly contacted clients with past due payments.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Filed completed loan applications with underwriting and made approval or denial recommendations.
- Set up, stored and updated customer files, department records and regulatory paperwork.
Loan Customer Service Rep KeyHolder Assistant
First Capital Finance
10.2011 - 01.2013
- Collected member loan.
- Politely assisted customers in person and via telephone.
- Defused volatile customer situations calmly and courteously.
- Effectively managed high-volume of inbound and outbound customer calls.
- Recommended loan approvals and denials based on customer loan application reviews.
- Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.
- Cash register and credit reports
- Key holder
- Originated, reviewed, processed, closed and administered customer loan proposals.
- Set up, stored and updated customer files, department records and regulatory paperwork.
- Verified credit histories, personal references and employment backgrounds for each applicant.
- Communicated acceptance or rejection to applicants via mail, email, telephone or personal consultations.
Customer Service Sales Representative,KeyHolder
Gordon's/ Zales Jewelry
10.2008 - 02.2010
- Stocked and replenished merchandise according to store merchandising layouts.
- Priced merchandise, stocked shelves and took inventory of
- Completed all point of sale opening and closing procedures, including counting contents of cash register.
- Welcomed customers into store and helped them locate items.
- Determined customer needs by asking relevant questions and listening actively to responses.
- Maintained established merchandising standards, including window, sales floor and promotional
- Showcased product features to customers and discussed technical details to overcome objections and lock in sales.
- Informed customers of sales and promotions to build customer base, boost traffic and increase customer loyalty.
- Greeted customers and offered assistance with selecting merchandise, finding accessories and completing purchases.
- Completed efficient store resets to prepare store for special promotions and seasonal updates.
Jewelry Sales Associate
Kohls
12.2007 - 10.2008
- Operated cash register for cash, check and credit card transactions with accuracy.
- Stocked and replenished merchandise according to store merchandising layouts.
- Priced merchandise, stocked shelves and took inventory of supplies.
- Cleaned and organized store, including checkout desk.
- Determined customer needs by asking relevant questions and listening actively
- Responded to all customer inquiries thoroughly and professionally.
- Placed special merchandise orders for customers.
- Entered data promptly and efficiently with 100% accuracy rate.
- Accurately logged all daily shipping and receiving orders.
- Prioritized helping customers over completing other routine tasks in store.
- Coordinated efficient restocking of sales floor with current merchandise and accurate signage for current promotions.
- Refunded payments for returned items, processed exchanges and offered store credit to achieve customer satisfaction.
Education
Graduate Certificate - Certificate Nursing Assistant
Grayson College
Denison, TXHigh School Diploma -
Sherman High School
Sherman, TX05.2007
Skills
- Compliance, banking laws and regulations
- Troubleshooting issues
- Loans
- Rapid data entry skills
- Consumer Account Opening
- Business Account Opening
- Cash handling expertise
- Detail oriented
- Credit Reporting
- Dependable
- Fast paced environment
- Online Banking
- Notary
- Verbal and Written Communication
- Reports audit
- Currency Counting Machines
- ATM Balancing
- Cash Handling
- Cross-selling techniques
- Relationship building and management
- Employee motivation
- Teller support
- Account audits
- Problem-solving
- Teamwork and collaboration
Timeline
Senior Relationship Banker
Simmons Bank
04.2023 - Current
Research and Adjustments
Independent Bank
03.2022 - 02.2023
Relationship Banker II
American Bank Of Texas/ First United Bank
05.2015 - 03.2022
Loan Customer Service Representative
Texas car title and payday loan services inc.
01.2013 - 10.2013
Loan Customer Service Rep KeyHolder Assistant
First Capital Finance
10.2011 - 01.2013
Customer Service Sales Representative,KeyHolder
Gordon's/ Zales Jewelry
10.2008 - 02.2010
Jewelry Sales Associate
Kohls
12.2007 - 10.2008
Graduate Certificate - Certificate Nursing Assistant
Grayson College
High School Diploma -
Sherman High School