Ma Loida Pios
Pacific,CA
Summary
Accomplished Universal Banker with a proven track record at Provident Credit Union, enhancing member satisfaction and increasing referral rates through expert customer service and comprehensive product knowledge. Skilled in cash handling and risk management, adept at fostering team growth and maintaining operational compliance. Demonstrates exceptional cross-selling expertise and a self-motivated nature, contributing significantly to branch success.
Overview
29
29
years of professional experience
Work History
Universal Banker
Provident Credit Union
Redwood City, CA
05.1999 - Current
- Supported branch operations and branch monthly audit ensuring compliance with all regulations as well as credit union policies.
- Improved member satisfaction by providing personalized banking solutions and addressing member needs promptly.
- Assisted member with setting up or closing accounts, completing loan applications, funding loans and signing up for new services.
- Identified members financial needs through in-person efforts, warm calls, referrals, and marketing while providing strong product knowledge and quality service.
- Managed escalated conflict by applying resolutions skills and extensive knowledge of credit union policies, products, and services.
- Facilitate smooth transactions with handling cash deposits, withdrawals, check processing, and loan payments.
- Strengthened customer relationships with proactive communication and timely resolution of queries.
- Collaborated with team members to achieve branch performance goals fostering a positive work environment.
- Ensure compliance with operational risk, security and audit procedure and policies. Follow guidelines in detecting and reporting fraudulent transactions or suspicious activities.
- Ensured a consistent and positive member experience by upholding high standards of professionalism, courtesy, and responsiveness in all interactions.
- Increased referral rates by making strong connections with members and identifying potential business development opportunities.
- Trained and mentored new staff to maximize performance, efficiency, and compliance.
- Maintained the confidentiality of members and their accounts at all times.risk.
- Balanced teller drawers and ATM cash.
- Collaborated with other departments to confirm compliance with credit union procedures and regulations.
- Built and maintained portfolio of loans to meet established goals and objectives.
- Processed applications for new accounts.
Price Change Team Member
Target
Coloma, CA
12.1995 - 08.2001
- Demonstrated adaptability by adjusting to unexpected changes in pricing schedules or priorities as needed.
- Assisted in training new team members on price change procedures, contributing to overall team efficiency.
- Assist supervisor in operational efficiency by maintaining organized records of completed price changes for future audits or inquiries.
- Minimized pricing errors by conducting regular audits of product prices and shelf labels.
- Contributed to store profitability by ensuring timely completion of price changes, avoiding potential missed sales opportunities due to outdated pricing information.
- Demonstrated strong attention to detail while verifying product codes and descriptions during the price change process.
- Interacted with guests in friendly and knowledgeable way.
- Pulled merchandise from inventory storage and documented quantities to maintain accuracy.
Teller
World Savings And Loan
Daly City
10.1996 - 04.1999
- Assisted branch management with branch operations such as vault custodian. ATM balancing and monthly branch audits.
- Disbursed cash and checks accurately, balance cash drawer daily, identifying discrepancies and taking corrective actions as needed whike maintaining security of cash drawers.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Improved customer satisfaction by providing efficient and accurate transaction processing.
- Developed strong relationships with customers through exceptional service, fostering loyalty and trust.
- Demonstrate professionalism, courteousness, and a strong work ethic that contributes to a positive work environment
- Maintained knowledge of bank products, services, promotions, policies, to better assist customers with their financial needs.
- Followed up on customer complaints and provided solutions to enhance customer satisfaction.
- Process application for new account with accuracy.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Enhanced branch security through vigilant monitoring of suspicious activities and timely reporting to supervisors while maintaining accurate records of transactions.
- Cross-sold credit cards, loans and other bank products.
Education
Accounting
Skyline College
San Bruno, CABachelor Of Arts - Economics
University of Batangas
Batangas , Philippines De La Salle High School
Lipa. Philippines Skills
- Branch operations
- Knowledge in Meridianlink
- Knowledge in Phoenix
- Loan processing, document preparation, credit analysis and loan closing
- Account opening
- Customer Service
- Teller experience and cash handling proficiency
- Cross Selling expertise
- Products and Services Knowledge
- Team Coaching and Training
- ATM balancing
- Risk management policies, loss Prevention and audit support
- Knowledge in JIRA and Onbase
- Reviewing documents
- Self-motivated nature
Timeline
Universal Banker
Provident Credit Union
05.1999 - Current
Teller
World Savings And Loan
10.1996 - 04.1999
Price Change Team Member
Target
12.1995 - 08.2001
Accounting
Skyline College
Bachelor Of Arts - Economics
University of Batangas
De La Salle High School