Ricardo Rosa
Algonquin,IL
Summary
Skilled professional inspired and motivated to help customers build financial independence and deepening relationships and trust.
Overview
22
22
years of professional experience
Work History
Branch Manager
US Bank NA
Niles, Illinois
02.2022 - Current
- Increased efficiency and drove branch revenue by optimizing daily operations.
- Organized professional development programs for employees at all levels of the organization.
- Managed and inspired team members to perform to full potential, driving branch profitability.
- Led daily huddles to ensure team knew there responsibilities for the day.
- Weekly coaching and observations using the SBI model. Situation, behavior and impact.
- Tell, show do and managed employees to exceed branch goals as well and individual metrics.
- Led in our in person branch manager meeting as well as campaigns for our district.
- Was a mentor for new branch managers.
- Established strong working relationships with external partners such as vendors and suppliers.
- Implemented internal control procedures to minimize risk exposure and maximize profitability.
- Developed and implemented financial strategies to maximize profits and reduce costs.
- Assisted other branches when needed during peak periods or special projects.
- Conducted regular performance reviews for all employees in the branch.
- Ensured compliance with established policies, procedures and regulations governing banking operations.
- Supported outside sales force in servicing and obtaining new business.
- Participated in community events to promote brand awareness.
- Verified cash by balancing cash drawers and maintaining cash count records.
- Maintained up-to-date knowledge of industry trends, competitive landscape and regulatory environment.
- Facilitated weekly meetings with staff members to discuss progress on current initiatives.
- Worked cross-functionally to plan and establish branch goals, supporting strategic objectives.
- Resolved escalated customer complaints in a timely manner.
- Built strong rapport with new and existing clients to better serve financial needs and promote branch loyalty.
- Assigned duties to employees and examined work for accuracy, neatness and timeliness.
- Grew business banking relationships through proactive outreach.
- Identified opportunities for process improvement initiatives within the branch.
- Provided guidance and support to team members regarding problem resolution and customer service issues.
- Designed sales and service strategies to improve revenue and retention.
- Complied with company policies and government regulations to prevent and detect rule violations and protect organization from fines and lawsuits.
- Managed staff scheduling, hiring and training processes.
- Disciplined employees to encourage compliance with company policies and procedures.
- Developed strategies to increase customer satisfaction and loyalty.
- Planned work schedules to maintain adequate staffing levels.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Completed day-to-day duties accurately and efficiently.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Area Supervisor
USA PAYDAY LOANS/ AAA1 Auto Title Loans
10.2012 - 02.2022
- Managing staff
- Meeting revenue goals
- Growing portfolio
- Conducting monthly audits cash/underwriting
- State audits
- Scheduling
- Ach/cash discrepancies
- Running promotions
- Hiring
- Customer complaints
- Title loans/repossession IL, WI
- Bankruptcy
- Scheduled staff shifts to ensure adequate coverage during peak hours.
- Prepared and analyzed reports on area performance, presenting findings to senior management.
Title Loan Officer
AAA
Elgin, IL
01.2012 - 02.2022
- Working with Illinois and Wisconsin's Title Loan Stores to process applications and gathering customer information on a daily basis for loan approval
- Working with delinquent accounts0-90 days and speaking with customers daily regarding their accounts
- Processing loan applications, Automatic Clearing House (ACH) payments, and Lein Release customer payoff packages
- Performed quality assurance reviews on all closed loans for compliance purposes.
- Developed loan contracts and explained contract terms to clients.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
Teller Supervisor
Fifth Third Bank
Elgin, IL
01.2009 - 01.2011
- Conducted coaching sessions to help maximize teller sales and career development
- Monitored cash offense and helped locate cash differences, reporting large offense to superior or an office at the end of each day
- Scheduled, supervised and provided work direction to tellers to assure that customers were provided with accurate information and courtesies, efficient service in regards to customer/bank transactions
- Responsible for band vault and cash funds
- Developed thorough knowledge and understanding of regulatory and compliance issues related to the accounting and other departments of the bank
Shipping/Receiving Supervisor
Wisdom Adhesives
Elgin, IL
01.2006 - 01.2008
- Processed and verified paperwork for all orders
- Managed loading and unloading of all trailers to ensure safety of employees and merchandise
- Coordinated and scheduled pickups and deliveries with FedEx and UPS
- Supervised the preparation for all orders to ensure proper packing and accuracy
- Maintained detailed record of inventory to facilitate effective inventory management
Cage Cashier
Grand Victoria Casino
Elgin, IL
01.2003 - 01.2005
- Assisted casino customers with all cash and chip transactions
- Responsible for maintaining an accurate and balanced cash drawer
- Processed credit card cash advances for casino customers
- Responsible for identifying and reporting counterfeit currency
- Provided customers with courteous and efficient service and ensured customer safety by remaining vigilant for possible suspicious activity
Education
High School Diploma -
Elgin High School
Elgin, IL01.2003
Skills
- Microsoft Office (10 years)
- Fluent In Spanish (10 years)
- Communication (10 years)
- Customer Service (10 years)
- ACH (10 years)
- Underwriting (10 years)
- Training & Development (7 years)
- Loan Officer Experience (10 years)
- Management (3 years)
- Banking (13 years)
- Account Reconciliation (3 years)
- Credit Analysis (3 years)
- Sales professional
- Cash handling expertise
- Relationship building and management
- Excels in team leadership
- Verbal/written communication
- Staff management
- Decision-making
- Attention to detail
- Product training
- Reporting
- Multilingual in [languages]
- Employee development
- Shift scheduling
- Training and development
- Operations management
- Goals and performance
- Financial advising
- Conflict resolution
- People-oriented
- Coaching and mentoring
Languages
Spanish - Expert
Additional Information
- Skills
- Computers Skills: Proficient with Microsoft Office, Excel, Word
- Fluent in Spanish
Timeline
Branch Manager
US Bank NA
02.2022 - Current
Area Supervisor
USA PAYDAY LOANS/ AAA1 Auto Title Loans
10.2012 - 02.2022
Title Loan Officer
AAA
01.2012 - 02.2022
Teller Supervisor
Fifth Third Bank
01.2009 - 01.2011
Shipping/Receiving Supervisor
Wisdom Adhesives
01.2006 - 01.2008
Cage Cashier
Grand Victoria Casino
01.2003 - 01.2005
High School Diploma -
Elgin High School