Summary
Overview
Work History
Education
Skills
Work Preference
Timeline
Generic
Matthew Crespo

Matthew Crespo

Personal Banker
Huntington Beach,CA

Summary

Highly accomplished and results-oriented financial professional with 5+ years of experience in banking and credit union environments. Proven ability to excel in customer service, loan origination, risk management, and operational efficiency. Expertise in building strong customer relationships, streamlining processes, and ensuring regulatory compliance. Seeking a challenging role leveraging expertise in credit analysis, underwriting, and operational management within a dynamic organization.

Overview

6
6
years of professional experience

Work History

Personal Banker

BMO Financial Group
Anaheim, CA
06.2024 - Current
  • Proactively engage 10+ pre-scheduled customers weekly, identifying financial needs and recommending tailored banking, digital, self-service, investment, lending, and small business solutions.
  • Provide sound credit recommendations and manage lending portfolios, ensuring strict adherence to regulations and policies, increasing sales and profit by 15%+ every 90-day period.
  • Proactively generate qualified leads and cultivate new customer relationships through targeted outreach, including in-person business visits, strategic phone interviews, and needs-based questioning, resulting in consistently scheduled appointments.
  • Address customer issues, resolve complex situations, and analyze scenarios to determine optimal solutions through adept problem-solving.

Client Relationship Banker

US Bank
Huntington Beach, CA
10.2022 - 06.2024
  • Educated an average of 15+ monthly clients on deposit and loan products, resulting in an 85% client satisfaction rating and a 35% increase in loan applications within a 1-month period.
  • Recommended financial solutions based on each customer's unique goals and needs.
  • Originated and closed an average of 5 consumer loans per month, opened 6+ new accounts weekly, and managed daily branch openings/closings, ensuring efficient operations and compliance.

Loan Processor/Funder

Huntington Beach Credit Union
Huntington Beach, CA
06.2020 - 10.2022
  • Reduced loan processing time by 90% by streamlining secured/unsecured, auto, HELOC, and credit card applications.
  • Processed 8+ loan files weekly, maintaining 100% accuracy and compliance.
  • Proficient in CUDL and Loancierge, verifying borrower information (income, credit, employment, appraisals). Assisted loan officers and underwriters with application preparation and research.

Member Service Representative

Sea Air Credit Union
Seal Beach, CA
09.2019 - 06.2020
  • Efficiently managed high-volume financial transactions, processing 120+ daily transactions while adhering to strict time-management protocols.
  • Resolved 3+ complex client issues monthly, consistently achieving an 80% client satisfaction rating.
  • Demonstrated meticulous adherence to credit union policies and regulatory requirements, including AML/KYC, ensuring 100% compliance.
  • Generated 10+ qualified referrals monthly to other departments, contributing to overall credit union growth.

Education

Associates in Applied Science - Business Administration

Long Beach City College
Long Beach, CA
06.2026

Diploma -

Cooper High School
Abilene, TX
06.2015

Skills

● Financial Services: Banking & Business Products (Deposits, Loans, Investments, Business Accounts), Lending Portfolio Management, Credit Analysis, Regulatory Compliance (AML/KYC)

● Sales & Client Relations: Needs-Based Selling, Lead Generation, Client Relationship Management, Customer Issue Resolution, Loan Origination & Closing, Client Education

● Operational Excellence: Loan Processing,Transaction Management, Process Optimization, Compliance Adherence

● Software Proficiency: CUDL, Loancierge, Salesforce, Microsoft Word & Excel

Work Preference

Work Type

Full Time

Work Location

On-Site

Important To Me

Career advancementCompany CultureWork-life balance

Timeline

Personal Banker

BMO Financial Group
06.2024 - Current

Client Relationship Banker

US Bank
10.2022 - 06.2024

Loan Processor/Funder

Huntington Beach Credit Union
06.2020 - 10.2022

Member Service Representative

Sea Air Credit Union
09.2019 - 06.2020

Associates in Applied Science - Business Administration

Long Beach City College

Diploma -

Cooper High School

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