Open To Work
Smita Thompson
Bonney Lake,USA
Summary
Efficient professional with 10+ years of experience and a proven knowledge of asset based lending, branch operations, and consumer credit. Aiming to leverage my skills to successfully fill the Financial service Rep role at your company. Highly organized Job Title offers excellent interpersonal communication skills and attention to detail. Uses problem-solving skills and multi-tasking while demonstrating high level of accuracy. Knowledgeable in compliance and related regulations enabling superior results. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Equipped with strong problem-solving abilities, willingness to learn, and excellent communication skills. Poised to contribute to team success and achieve positive results. Ready to tackle new challenges and advance organizational objectives with dedication and enthusiasm.
Overview
1
1
Certification
13
13
years of professional experience
Work History
Credit Card Specialist
USAA
03.2023 - Current
- Provided exceptional customer service while resolving disputes regarding billing statements, charges, and account balances.
- Monitored daily transactions and reported suspicious activities to compliance team.
- Responded to purchasing card questions with specific guidance relevant to entity's credit needs.
- Ensured accurate processing of applications by verifying information provided by applicants.
- Evaluated customer records and recommended payment plans, based on earnings, savings data, payment history, and purchase activity.
- Handled inbound calls in a fast paced environment for credit card servicing.
- Accommodated member needs by establishing, retaining, and deepening member relationships.
- Review and facilitate KC articles with onboarding class to teach and answer questions relating to credit card processes.
- Exemplified the USAA Standard by Keeping the Membership and Mission First in every call by discovering life events and offering appropriate solutions.
- Assist members with their financial needs by submitting new credit card applications.
- Embrace and embody our mission to help facilitate member needs by ensuring their financial security through USAA policies.
- Subject matter expert in bank regulatory environment to ensure compliance and support of be a compliant company initiative.
- Take feedback provided by management and self-evaluation of calls to continuously improve and develop within credit card skill.
- Reviewed reports and individual transactions which appeared suspicious to uncover possible fraudulent activity.
- Evaluated customer data to identify and prevent fraudulent activities.
- Reviewed transactions and receipts to identify any suspicious activity.
- Contacted customers directly to notify of fraudulent activity and minimize impacts.
- Managed time efficiently in order to complete all tasks within deadlines.
- Developed and maintained courteous and effective working relationships.
- Goal-oriented professional with proven success in applying analytical skills to solve complex problems and overcome challenges. Dedicated to enhancing team performance and driving business success.
- Skilled at working independently and collaboratively in a team environment.
- Produced detailed reports of fraud investigations and presented findings to senior management.
- Analyzed large amounts of data to find patterns of fraud and anomalies.
- Analyzed customer credit inquiries to provide tailored solutions and enhance satisfaction.
- Analyzed transaction patterns to identify fraudulent activities and mitigate risk exposure.
- Conducted thorough investigations on suspicious account activity, ensuring compliance with regulatory standards.
- Developed comprehensive reports detailing fraud trends, contributing to strategic decision-making processes.
- Effectively communicated complex information regarding detected fraudulent activities to both internal stakeholders and external partners such as banks or law enforcement agencies.
- Enhanced fraud prevention protocols by staying current on industry trends and best practices.
- Identified potential fraudulent activities through meticulous data analysis and pattern recognition.
- Provided training to colleagues on credit card fraud awareness, contributing to a more secure work environment.
- Assisted customers in understanding their rights and responsibilities related to credit card usage, contributing to better overall security practices among users.
- Analyzed financial statements to identify discrepancies, irregularities and fraudulent activity.
- Worked effectively in fast-paced environments.
- Proven ability to learn quickly and adapt to new situations.
- Excellent communication skills, both verbal and written.
- Demonstrated respect, friendliness, and willingness to help wherever needed.
- Assisted with day-to-day operations, working efficiently and productively with all team members.
- Worked flexible hours across night, weekend, and holiday shifts.
- Used critical thinking to break down problems, evaluate solutions, and make decisions.
Senior Financial Service Rep
Mountain America FCU
01.2017 - 09.2022
- Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans.
- Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
- Meet with applicants to obtain information for loan applications and to answer questions about the process.
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
- Review loan agreements to ensure that they are complete and accurate according to policy.
- Approve loans within specified limits, and refer loan applications outside those limits to management for approval.
- Handle customer complaints and take appropriate action to resolve them.
- Stay abreast of new types of loans and other financial services and products to better meet customers' needs.
- Review and update credit and loan files.
- Submit applications to credit analysts for verification and recommendation.
- Compute payment schedules.
- Confer with underwriters to aid in resolving mortgage application problems.
- Work with clients to identify their financial goals and to find ways of reaching those goals.
- Provide special services such as investment banking for clients with more specialized needs.
- Provided guidance to customers on complex financial matters such as investments, retirement planning, insurance, taxes.
- Created and maintained detailed records of all financial transactions, ensuring accuracy and compliance with applicable regulations.
- Analyzed customer portfolios to identify opportunities for growth and improvement.
- Developed relationships with clients through proactive communication initiatives.
- Explored financial possibilities with customers by identifying issues and finding solutions.
- Developed in-depth knowledge of available financial products to advise clients accordingly.
- Suggested viable solutions to improve clients' financial statuses.
- Assisted sales team in generating business through cross-selling and effective marketing.
Teller
Chase Bank
10.2013 - 10.2016
- Fill machines with products, ingredients, money, and other supplies.
- Keep records of merchandise distributed and money collected.
- Collect coins and bills from machines, prepare invoices, and settle accounts with concessionaires.
- Make service calls to maintain and repair machines.
- Inspect machines and meters to determine causes of malfunctions and fix minor problems such as jammed bills or stuck products.
- Test machines to determine proper functioning.
- Count money and audit money drawers.
- Reconcile daily summaries of transactions to balance books.
- Keep accurate records of monetary exchanges, authorizations, and transaction reconciliations.
- Furnish change persons with a money bank at the start of each shift.
Education
High School Diploma - undefined
Tennyson High
Hayward, CA07.2006
Skills
35 Words per min typing
Dispute resolution
Customer service
Attention to detail
Problem-solving abilities
Credit decisions
Multitasking
Critical thinking
Active listening
Effective communication
Decision-making
Verbal and written communication
Professionalism
Loan underwriting
Certification
- NMLS
- Notary public
Work Preference
Job Search Status
Open to workWork Type
Full TimeLocation Preference
On-SiteSalary Range
$49000/yr - $79000/yrTimeline
Credit Card Specialist
USAA
03.2023 - Current
Senior Financial Service Rep
Mountain America FCU
01.2017 - 09.2022
Teller
Chase Bank
10.2013 - 10.2016
High School Diploma - undefined
Tennyson High