Summary
Overview
Work History
Education
Skills
Certification
Languages
Self Introduction
Hobbies and Interests
Timeline
Generic

Ruth Lominchar

Pinellas Park,FL

Summary

Individual with solid background in banking and finance. Effective at building positive relationships with clients, achieving sales goals and providing excellent customer service. Strong communication and interpersonal skills committed to making customers understand financial needs, goals and options. Well-versed in assessing risk, developing solutions and implementing positive changes to achieve sustainability and growth in challenging market conditions. Adept at building and strengthening business and customer relationships.

Overview

9
9
years of professional experience
1
1
Certification

Work History

CEO

Ruth’s Loan Signings LLC
06.2021 - Current


  • Checked client identification to maintain compliance with state legal requirements.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Explained very technical financial information to applicants in easy to understand language.
  • Analyzed potential risks and evaluated loan products to identify suitable options for customers.
  • Maintained comprehensive understanding of digital fraud and electronic signature verification, keeping sensitive documents secure and verifying authenticity.

Universal Branch Advisor III

Achieva Credit Union
01.2021 - 06.2022
  • Advised on customer finances, account opening, lending options and takes loan applications while setting up a financial plan to help the future of the customer.
  • Contributed to meeting or exceeding client service as well as individual and branch sales targets by offering and selling products and services with focus on the clients individual needs.
  • Adhered to internal controls, operational procedures and risk management policies.
  • Stayed informed of all changes in policies and procedures to ensure compliance with current guidelines.
  • Exercised advanced proficiency with routine client maintenance requests, problem resolution and advanced sales functions regarding deposit, credit, convenience and other product and service lines
  • Cultivated strong customer relationships by providing tailored advice and services.
  • Planned, developed, and implemented strategies to convey information with key decision makers.
  • Adapted products and services to suit customers' changing financial circumstances.

Universal Banker

Truist Bank
10.2014 - 12.2020
  • Provided a consistent optimal customer experience on the cash line while handling customers’ transactional needs, such as deposits, withdrawals, payments, and other typical teller transactions .
  • Identified customer financial needs through in-person efforts, cold calls, referrals and marketing while providing strong product knowledge and quality service.
  • Opened checking, savings, money market and certificates of deposit accounts and ordered checks, debit cards and furnished online banking details to facilitate new transactions.
  • Educated customers on standard consumer products and digital solutions such as mobile, online, and ATM offerings, all designed to make banking easier.
  • Displayed knowledge and proficiency in explaining, selling and administering products and referred customers to appropriate resources for enhanced services.

Education

High School Diploma -

Jefferson High School
Tampa, FL
06.2005

Skills

  • Communication
  • Time Management
  • Fraud Prevention
  • Risk Assessment
  • Financial Planning
  • Problem Solving
  • Data Analysis
  • Audit Reporting
  • Loan Processing Coordination
  • Attention to Detail
  • Financial History Analysis
  • Customer Relations
  • Wealth Planning
  • Analytical and Critical Thinking
  • Regulatory Compliance

Certification

National Notary Association Loan Signing Systems

Languages

Spanish (Native)
English (Professional Advanced)

Self Introduction

Hi! My name Ruth is biblical and the meaning describes me. In Hebrew it means “friend”and she is a symbol of “loyalty and devotion”. I came from Cuba 22 years ago and arrived when I was 14 years old. Currently I am a single mother of a 13 year old, Pablo, who is a Gifted Student and does very well with science, math and has a love for Graphic Design (Art in 2D and 3D). My passion lies in singing and traveling. I have traveled to Canada, Mexico and Cuba and sang at competitions there, as well as other states of the U.S like Kentuky and California. The reason that I pursued banking is because I love to help people with their finances, it offers me integrity and stability, as well as a schedule that helps me spend more time with my son. I am an entrepreneur as well and so I am a part time Notary Loan Signing Agent, Investor and used to be an Airbnb Host. My priority is to have a secure future with an organization that takes care of their employees and gives the opportunity for growth. I took a break from Banking because I sold my home, moved and needed more time for my business. I am ready to continue my career and would welcome the opportunity to discuss my qualifications and experience with you. I sincerely thank you for your time and consideration. Best Regards, Ruth Lominchar

Hobbies and Interests

  • Spending quality time with my son.
  • Singing
  • Investments
  • Traveling

Timeline

CEO

Ruth’s Loan Signings LLC
06.2021 - Current

Universal Branch Advisor III

Achieva Credit Union
01.2021 - 06.2022

Universal Banker

Truist Bank
10.2014 - 12.2020

High School Diploma -

Jefferson High School

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Ruth Lominchar