Shaina Rabelos
Sound Credit Union
Cle Elum,United States
1
Certification
11
years of professional experience
Results-driven Branch Manager with 10+ years of progressive experience in retail banking and consumer lending. Proven leader in driving branch performance, developing teams, and delivering strong member outcomes. Extensive experience evaluating loan applications using LTV, DTI, income analysis, and credit history to support sound lending decisions. Skilled at balancing member needs, risk management, and regulatory compliance while handling complex financial scenarios and improving operational efficiency.
Work History
Branch Manager
3 Years 3 Months- Assisted in managing branch operations by monitoring sales performance, service delivery, and compliance standards.
- Supported consumer lending initiatives by facilitating loan origination processes and influencing decision outcomes.
- Reviewed member applications by analyzing credit reports, income statements, DTI, and LTV ratios to determine risk and affordability.
- Contributed to loan structuring by providing insights on approvals, counteroffers, and alternative options that meet lending guidelines.
- Resolved complex member inquiries by addressing higher-risk or exception-based situations.
- Monitored adherence to credit union policies, regulatory standards, and audit requirements.
- Tracked branch performance metrics such as loan growth, portfolio quality, and operational efficiency.
- Guided staff development in lending practices, credit analysis, and compliant sales techniques.
- Cultivated community relationships to enhance business development and create new lending opportunities.
Assistant Branch Manager
1 Year 4 Months- Directed daily branch operations and provided hands-on coaching to a four-member frontline team to elevate service and sales performance.
- Designed and executed targeted sales plans and individualized coaching that consistently drove branch production above goals.
- Managed compliance, risk controls, and audit preparation to reduce operational errors and support regulatory standards.
- Built community and business relationships to expand the client base and deepen deposit and lending relationships.
Personal Banker
3 Months- Assisted in financial evaluations, analyzing income, debt obligations, and repayment capabilities.
- Provided recommendations for lending solutions based on credit assessments and financial evaluations.
- Supported processing of loan applications while promoting adherence to lending standards.
Personal Banker
1 Year 10 Months- Cultivated client relationships and recognized potential for consumer lending solutions.
- Supported loan application documentation and provided recommendations for financial products.
- Upheld accuracy and compliance standards across all transactions.
Lead Teller
3 Years 11 Months- Assisted with teller scheduling to support adequate coverage for weekday and weekend shifts while maintaining daily operational accuracy.
- Processed cash transactions, deposits, and armored-car transfers with careful attention to control measures and reconciliation.
- Recognized customer needs through attentive service, enhancing client satisfaction and loyalty.
- Guided tellers on procedures and compliance to minimize errors and enhance service consistency.
Education
Associate of Arts
Skills
Branch Operations Management
Team Leadership & Staff Development
Sales Performance & Revenue Growth
Client Relationship Management
Consumer Lending & Financial Solutions
Credit Analysis (LTV
DTI
Income Review)
Risk Management & Regulatory Compliance
Audit Preparation & Operational Controls
Coaching & Performance Management
Conflict Resolution & Problem Solving
Process Improvement & Workflow Efficiency
Multitasking & Organizational Strengths
Certification
NMLS # 1563164
Notary Public
Timeline
Branch Manager
Sound Credit Union
07.2023 - CurrentRead More
Assistant Branch Manager
Columbia Bank
03.2022 - 07.2023Read More
Personal Banker
Commencement Bank
11.2021 - 02.2022Read More
Personal Banker
KeyBank
01.2020 - 11.2021Read More
Lead Teller
KeyBank
02.2016 - 01.2020Read More
Tacoma Community College
Associate of Arts
Read More