Mercedes Heredia
STOCKTON,CA
Summary
Accomplished finance professional with a proven track record at Farmers & Merchants Bank Of Central CA, adept in financial analysis and fostering client relationships. Excelled in optimizing capital, enhancing profitability, and mentoring teams. Demonstrates exceptional analytical thinking and customer service focus, driving significant organizational improvements and compliance adherence.
Overview
33
33
years of professional experience
Work History
Mortgage Loan Officer
Zoom Loans
04.2022 - Current
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Enhanced client retention by providing outstanding service throughout the mortgage process, from pre-approval to closing.
- Collaborated with underwriting and processing teams to resolve issues and expedite loan approvals.
Vice President of Finance
Farmers & Merchants Bank Of Central CA
11.2006 - 04.2022
- Optimized working capital by closely monitoring cash flow, accounts receivable, inventory levels, and vendor payments.
- Oversaw preparation of annual budgets, incorporating input from department heads to align resources with organizational priorities.
- Spearheaded strategic planning initiatives to achieve long-term company goals and objectives.
- Promoted transparency by establishing clear communication channels between finance department and other areas within the organization.
- Developed comprehensive financial forecasts, driving accurate decision-making and budgetary planning.
- Mentored finance staff members in their professional development, fostering a culture of continuous learning within the department.
- Ensured timely and accurate financial reporting, maintaining full compliance with regulatory requirements.
- Supported operations management, sales, and marketing efforts to increase revenue and overall financial health.
AVP of Operations
Bank Of The West
02.1996 - 11.2006
- Streamlined operational processes by implementing efficient workflow systems and reducing redundancies.
- Collaborated with cross-functional teams to develop and implement new policies and procedures, resulting in positive organizational change.
- Enhanced customer satisfaction by improving communication channels and addressing client concerns promptly.
- Optimized resource allocation for better cost management and increased profitability.
- Evaluated emerging trends within the industry, staying ahead of competitors through innovative strategies and best practices adoption.
- Spearheaded process improvements that led to reduced turnaround times and increased output quality in high-pressure environments.
- Managed budgets and financial forecasts for the department, ensuring fiscal responsibility and costeffectiveness.
- Hired and managed employees to maximize productivity while training staff on best practices and protocols.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
Customer Service Teller Lead
Union Safe Deposit Bank
07.1993 - 02.1996
- Contributed to a positive work environment by collaborating effectively with team members, offering support when needed and fostering open communication channels.
- Assisted in training new Bake Shop Clerks, sharing expertise on proper product handling, customer se
- Greeted customers entering store and responded promptly to customer needs.
- Welcomed customers and helped determine their needs.
- Worked flexible schedule and extra shifts to meet business needs.
- Operated cash register for cash, check, and credit card transactions with excellent accuracy levels.
- Maintained a balanced cash drawer, ensuring accurate accounting at the end of each shift.
- Counted money in cash drawers at beginning and end of shifts to maintain accuracy.
- Resolved customer complaints professionally, leading to improved customer relations and loyalty.
- Ensured compliance with company policies and procedures while processing transactions efficiently.
Customer Service Teller
Bank Of America
07.1991 - 02.1993
- Contributed to a positive team environment through effective communication and collaboration with colleagues.
- Balanced daily cash drawers accurately, ensuring accountability for all financial transactions processed throughout the day.
- Handled complex customer inquiries with professionalism, demonstrating thorough knowledge of products and services.
- Participated in community events as a representative of the bank, fostering strong connections within the local area.
- Continuously sought opportunities for personal growth and professional development within the role.
- Achieved recognition for outstanding performance from both peers and management, inspiring others in pursuit of excellence.
- Streamlined teller operations by implementing effective organizational systems and procedures.
- Supported branch management in achieving operational excellence through proactive identification of areas for improvement.
- Maintained high levels of accuracy in handling cash, ensuring proper documentation and adherence to bank policies.
- Provided valuable feedback to leadership regarding potential process improvements that could enhance overall efficiency.
- Executed wire transfers, stop payments and account transfers.
- Processed wide variety of retail banking transactions for personal and commercial customers.
Education
Accounting And Business Management
San Joaquin Delta College
Stockton, CAFinancial Banking - Banking And Financial Support Services
University of The Pacific
Stockton, CA1998
High School Diploma -
Edison High School
Stockton, CA05.1991
Skills
- Goal-Oriented
- Relationship selling
- Negotiation Tactics
- Financial Analysis
- Regulatory Compliance
- Customer service-focused
- Analytical and Critical Thinking
- Decision-Making
- Eligibility Determination
- Active Listening and Learning
Accomplishments
I Love Stockton, and have always enjoyed helping our community, I have served on the following community boards in San Joaquin county.
- Stockton chief of police CAB ; Board member
Attend regular board meetings, advocate the community the positive features of our city, promote the free services our city offers to those in need, listen to our community needs so Stockton can continue to thrive.
- United Way of San Joaquin ; Volunteer
Collected donations of food to create food baskets for the less fortunate participated in many food drives.
- Charter House Center for Families; Treasurer
Kept records of all accounting, provided educational services to children of farm workers in rural areas.
- Hispanic Chamber of Commerce: Board Member
Collaborate and plan community events, help small business owners thrive and success.
- Comerciantes Unidos: President, Treasurer
Treasurer of the organization for 4 years, and president for 2.
attended weekly meeting to organize community events to raise fund to issue scholarships to high school students in our community
Languages
Spanish
Full Professional
Timeline
Mortgage Loan Officer
Zoom Loans
04.2022 - Current
Vice President of Finance
Farmers & Merchants Bank Of Central CA
11.2006 - 04.2022
AVP of Operations
Bank Of The West
02.1996 - 11.2006
Customer Service Teller Lead
Union Safe Deposit Bank
07.1993 - 02.1996
Customer Service Teller
Bank Of America
07.1991 - 02.1993
Accounting And Business Management
San Joaquin Delta College
Financial Banking - Banking And Financial Support Services
University of The Pacific
High School Diploma -
Edison High School
Similar Profiles
Jarrod MontesJarrod Montes
LOAN OFFICER /MORTGAGE LOAN PROCESSOR ASSISTANT at Zoom LoansLOAN OFFICER /MORTGAGE LOAN PROCESSOR ASSISTANT at Zoom Loans
Tina FaustTina Faust
Driving Instructor at Zoom Zoom Driving SchoolDriving Instructor at Zoom Zoom Driving School
Amit Ben AharonAmit Ben Aharon
Project Managers Team Leader at Zoom Real Estate Investments (Z.R.E Zoom Management Services LTD)Project Managers Team Leader at Zoom Real Estate Investments (Z.R.E Zoom Management Services LTD)