Michaela Lloyd
Winterset,IA
Summary
At Union State Bank, I excelled in enhancing customer satisfaction and fostering relationships through expert branch operations and exceptional customer service. My proactive approach in fraud prevention and documentation streamlined processes, significantly boosting efficiency. Skilled in both relationship building and meticulous file maintenance, I consistently delivered results beyond expectations. Personable New Accounts Representative with 5 years' experience in Banking. Outstanding leadership and organizational abilities with superb verbal and written communication skills. Familiarity with all account types, products and services.
Overview
5
5
years of professional experience
Work History
Personal Banker/Bank Teller Supervisor
Union State Bank
09.2023 - Current
- Utilized strong interpersonal communication skills during client interactions, resulting in increased trust and fostering long-lasting relationships.
- Maintained compliance with bank policies and regulations while executing various financial transactions for customers.
- Improved customer satisfaction by providing personalized banking solutions and exceptional service.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Supported managers in implementing operational improvements that increased efficiency across the branch network.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Contributed to a positive work environment, fostering teamwork among colleagues to enhance productivity levels.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Monitored customer accounts to detect irregularities or suspicious activity.
- Conducted regular audits of cash handling procedures, minimizing risk exposure for the branch.
- Responded to customer inquiries regarding new accounts and account services.
- Verified customer identity and reviewed documentation for accuracy.
- Collected customer information and completed new account forms.
- Backed up teller team by handling needs of new and existing customers at main counter.
- Explained account terms and conditions to customers.
- Maintained customer records and updated account information.
- Contacted customers as soon as issues arose to immediately find resolution before problem escalated.
- Reconciled customer accounts and balanced daily transactions.
- Improved customer satisfaction by efficiently managing teller transactions and addressing customer inquiries.
- Managed risk effectively by monitoring teller activities, ensuring compliance with banking regulations and policies.
- Increased overall efficiency by implementing new procedures for cash handling, balancing, and discrepancy resolution.
- Built trusting relationships with customers through attentive listening skills, insightful problem-solving abilities, and empathetic service approach.
- Ensured high-quality customer service by regularly evaluating employee performance and providing constructive feedback for improvement.
- Reduced errors in transactions by providing ongoing training and coaching to bank tellers on best practices.
- Facilitated smooth transitions during periods of staffing changes by overseeing thorough training for new hires and temporary staff members.
- Examined tellers' reports of daily transactions for accuracy.
- Researched and resolved customer issues on personal savings, checking, and line of credit accounts.
Loan Processor
Union State Bank
02.2020 - 01.2022
- Worked with customers in person and via telephone to answer questions, process transactions, and resolve issues.
- Ensured accuracy of client information, verifying data collected during the application process and updating records as needed.
- Reviewed loan files for completeness, identified missing documentation, and generated condition lists for applicants.
- Set up and completed loan submission packages.
- Assisted loan officers with origination and closing processes to fastrack procedures and promote teamwork.
- Prepared documents for underwriting by verifying client income, credit reports, and other information.
- Collaborated with other departments including sales, underwriting, legal teams for seamless coordination during the entire loan cycle process.
- Developed and maintained relationships with customers and loan officers to establish smooth loan process.
- Maintained compliance with federal, state, and company regulations through regular review of updated guidelines.
- Utilized loan origination software to process and track loan applications.
- Facilitated successful loan closings by coordinating with underwriters, title companies, and attorneys throughout the process.
- Coordinated closing process with attorneys, title companies, and government clerks.
- Processed loan applications and monitored progress from start to finish.
Bank Teller
Union State Bank
09.2019 - 02.2020
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Established trust with clients by maintaining confidentiality and protecting sensitive financial information.
- Processed customer transactions promptly, minimizing wait times.
- Counted and packaged currency and coins.
- Reconciled cash drawer and resolved discrepancies.
- Educated customers on use of banking website and mobile apps.
- Provided customer records, account statements and copies of checks.
- Identified fraudulent activities by diligently monitoring transactions and reporting suspicious activity to management.
- Contributed to a welcoming branch environment by maintaining a clean and organized workspace for both staff members and customers alike.
- Logged cashier's checks and other transactions to maintain accurate account records.
- Removed mutilated currency from circulation.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
Education
High School Diploma -
Carroll High School
Carroll, IA05.2009
Skills
- Branch operations
- Customer Service
- Positive Attitude
- Fraud prevention
- Relationship building and management
- File Maintenance
- Documentation
Timeline
Personal Banker/Bank Teller Supervisor
Union State Bank
09.2023 - Current
Loan Processor
Union State Bank
02.2020 - 01.2022
Bank Teller
Union State Bank
09.2019 - 02.2020
High School Diploma -
Carroll High School
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