Melissa Cervantez
Summary
Highly-motivated individual with the desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. I have been able to exceed in various roles, learn from my peers, take that knowledge and implement it into each role in my career.
Overview
17
17
years of professional experience
Work History
Lending Assistant II
Texas Partners Bank
San Antonio, TX, TX
07.2022 - Current
- Facilitated on-time loan application completions by providing support to loan officers and processors.
- Analyzed loan files and reviewed client income, assets and credit to verify compliance to specific underwriting criteria and input new loans into designated software.
- Ordered, prepared and verified documents necessary for loan to close in compliance, on time and without last-minute surprises.
- Maintained up-to-date knowledge and compliance with internal policies and procedures and verified adherence to state and federal laws, rules and regulations affecting loan institutions.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Communicated effectively with external partners to ensure proper execution of loan closings.
- Met with borrowers, took applications, distributed disclosures, ordered and reviewed title commitments and executed detailed follow-up through closing to verify completed requirements.
Assistant Banking Center Manager
Comerica Bank
San Antonio, TX
03.2021 - 07.2022
- Recommended improvements to management controls designed to safeguard institutional resources and promote growth in compliance with government laws and regulations.
- Completed monthly, quarterly, and yearly audits.
- Took care and monitored audits to stay in compliance all while making sure to meet my yearly sales goals.
- Went through 2 audits since employed with this company within the first 2 years and have had 2 successful passing audits.
- Managed 2 different teams from 2 different branches plus my team last year due to covid and branch managers being out.
- Managed a team of 3 tellers making sure they were in balance daily and following bank policies and procedures.
Personal Banker II
Comerica Bank
Comfort, TX
10.2019 - 03.2021
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Expanded customer relationships by maintaining regular follow-up processes and rapport.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Described promotional offers and used persuasive sales techniques to upsell services and convince clients to apply for additional banking services.
- Profiled customers effectively to identify needs and match bank products.
Financial Sales Advisor
BBVA Compass
San Antonio, TX
04.2013 - 10.2019
- Informed clients of financial services providing number of benefits and outlined potential risks.
- Developed and maintained relationships with customers and assisted in generating sales opportunities.
- Created and maintained large client base by meeting needs and delivering exceptional customer service.
- Built positive and productive customer connections to drive consistent sales.
- I worked at a branch that was mainly foreign national based where I learned foreign currency exchange, foreign rules and regulations, rules and regulations for opening checking, savings accounts and loans for foreign national clients.
- Received recognition and awards from management 4 years in a row for achieving my quarterly goals every year.
- Managed my branch for 2 months twice in one year when an emergency situation arose.
Personal Banker
Chase Bank
San Antonio , TX
11.2008 - 04.2013
- Expanded customer relationships by maintaining regular follow-up processes and rapport.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Helped customers open and close accounts, apply for loans and make sound financial decisions.
- Described promotional offers and used persuasive sales techniques to upsell services and convince clients to apply for additional banking services.
- Profiled customers effectively to identify needs and match bank products.
- Made deposits and withdrawals, collected payments and processed cash orders.
Education
High School Diploma -
Theodore Roosevelt High School
San Antonio, TX05.2001
Skills
- Bilingual
- Proficient in Microsoft Word, Office, Excel, Powerpoint
- Reliable and trustworthy
- Excels in team leadership
- Employee training
- Team management
- Relationship building
- Knowledgeable in the operations department
Languages
Spanish
Native/ Bilingual
Timeline
Lending Assistant II
Texas Partners Bank
07.2022 - Current
Assistant Banking Center Manager
Comerica Bank
03.2021 - 07.2022
Personal Banker II
Comerica Bank
10.2019 - 03.2021
Financial Sales Advisor
BBVA Compass
04.2013 - 10.2019
Personal Banker
Chase Bank
11.2008 - 04.2013
High School Diploma -
Theodore Roosevelt High School