Monica Cardona
Rockford,IL
Summary
Dynamic financial professional with extensive experience at Blackhawk Bank, excelling in client relations and accounts receivable. Proven track record in bank reconciliation and problem-solving, enhancing operational efficiency. Skilled in Quickbooks and effective communication, consistently delivering accurate financial reporting and fostering strong customer relationships.
Overview
21
21
years of professional experience
Work History
Treasury Clerk
Boone County Treasurer
Belvidere, IL
06.2024 - Current
- Handled accounts payable and receivable, including invoicing and payment processing.
- Provide accounts receivable functions for the county.
- Process journal entries into financial software that will post to the general ledger.
- Received and recorded cash, checks and transfers.
- Reconciled bank statements and resolved discrepancies to ensure accurate financial reporting.
- Prepared bank deposits by verifying and balancing receipts and sending cash and checks to banks.
- Maintain vendor records by adding new vendors, updating existing vendors, and processing 1099 information for all vendors
- Identified needs of customers promptly and efficiently.
- Demonstrated strong problem-solving skills, resolving issues efficiently and effectively.
- Responded promptly to inquiries from taxpayers regarding their accounts.
- Assisted with delinquent property tax sale by accepting payments and processing receipts to successful bidders.
- Assist taxpayers in -person and via phone collecting property taxes.
Mortgage Loan Opener
Blackhawk Bank
10.2020 - 12.2023
- Open mortgage loans consistent with department policy and procedure as well all regulatory requirements steps to include but not limited to:-Review all Data Entry - update as required with verification of data entered in Encompass-Understand and able to be proficient in using multiple technology applications- including but not limited to- credit, employment & asset verifications, PMI, fraud detection, compliance check and guideline resources-Initiate the ordering process for all required third party services per department policy and procedure to include but not limited to Verifications, Appraisals, Title Commitment, Flood Certification, Fraud reports, etc.Effectively Communicate with all parties including mortgage personnel as it relates to documents; timelines; and important dates as loans move throughout the workflow process-Complete file checklists for all processed files including Denied/Withdrawn-Open and engaging dialogue about the workflow process-As needed complete necessary transaction tickets/wire set-ups-Understand the basic functions of all areas in Mortgage Operations to communicate effectively
Universal Banker
Blackhawk Bank
10.2014 - 10.2020
- Monitored account activity and identified suspicious transactions, taking appropriate action to prevent fraud.Cashed checks, accepted deposits and withdrawals within assigned limits and calculated daily transactions using computers, calculators or adding machines.Investigated customer inquiries and resolved discrepancies in helpful and timely manner.Generated reports and analysis of customer data to identify trends and potential business opportunities.Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.Opened checking, savings, money market and certificates of deposit accounts and ordered checks, debit cards and furnished online banking details to facilitate new transactions.Opened, closed, and updated accounts for customers.
Teller Supervisor
Blackhawk Bank
10.2007 - 10.2014
- Supervised operations staff and kept employees compliant with company policies and procedures.Delegated tasks to administrative support staff to organize and improve office efficiency.Established positive and effective communication among unit staff and organization leadership, reducing miscommunications, and missed deadlines.Coordinated individual duties after careful evaluation of each employee's skill level and knowledge.Promoted bank's products and services by consistently cross-selling to customers.Maintained strong knowledge of bank products, services, procedures and regulatory requirements to assist staff members with questions and difficult or complex tasks.Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
Bank Teller
Blackhawk Bank
03.2004 - 10.2007
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.Placed orders for customer checks and verified starting numbers.Monitored and reported suspicious activity in line with bank security policies.Educated customers on use of banking website and mobile apps.
Education
COMPLETED COURSEWORK TOWARDS HIGH SCHOOL DIPLOMA -
Belvidere High School
Belvidere, ILSkills
- Client Relations
- Accounts receivable
- Bank reconciliation
- Journal entries
- Problem solving
- Effective communication
- Quickbooks
- Organizational skills
- Financial Services
- Cash Handling
Languages
Spanish, Fluent
Timeline
Treasury Clerk
Boone County Treasurer
06.2024 - Current
Mortgage Loan Opener
Blackhawk Bank
10.2020 - 12.2023
Universal Banker
Blackhawk Bank
10.2014 - 10.2020
Teller Supervisor
Blackhawk Bank
10.2007 - 10.2014
Bank Teller
Blackhawk Bank
03.2004 - 10.2007
COMPLETED COURSEWORK TOWARDS HIGH SCHOOL DIPLOMA -
Belvidere High School