Manuel Vazquez

Assist in generating earnings for the Bank while protecting the depositors’ funds and shareholder equity. Service commercial, agricultural and real estate loans. Maintain and develop customer relationship with existing and new customers.

Major Duties & Responsibilities:

• Ensure that all loan decisions, actions, and recommendations are based on an accurate and thorough understanding of each customer’s needs and conditions.

• Ensure that all conditions of loan approval have been satisfied prior to closing and funding of the loan.

• Gathering and monitoring required information per the Loan Agreement.

• Properly administer the creditworthiness and documentation of all loans originated or assigned.

• Identify problem loans as early as possible, so that the Bank can implement corrective actions in the most timely and effective manner.

• Reviewing coming due loans and documentation.

• Solicit new conforming business and maintain existing customer relationship.

• Manage BHG portfolio (Maintain relationship with bank rep, report missed payments to BHG collection dept., daily bidding on BHG auction block to increase & maintain portfolio)

Service consumer and commercial loans including auto, personal, debt consolidation and credit cards. Maintain and develop customer relationship with existing and new customers.

Other Job Duties:

• Assist CSA’s and the bank's data processing department in decision making when checks and deposits are in question. (Check holds, Fraud, Verifying funds, etc.)

• Train & assist in BancCentral’ s ODP program

• Promoted superior experience by addressing customer concerns, and resolving problems swiftly.
• Investigated and resolved customer inquiries and complaints quickly.
• Assisted customers in opening demand deposit, Savings and COD accounts.
• Assisted customers in navigating company website and creating online banking accounts.
• Managed the banks overdraft protection program.
• Implemented and developed customer service training processes.
• Assisted in sending and receiving bank wires.
• Processed and recorded garnishments and levies.

• Assisted customers with account inquiries, resolving issues promptly and professionally.
• Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
• Educated customers on online banking and mobile banking applications.
• Disbursed cash and checks accurately while maintaining security of cash drawers.
• Maintained friendly and professional customer interactions.
• Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
• Vault Balancing and Cash ordering
• Cultivated interpersonal skills by building positive relationships with others.