Summer Downing
Saint Albans,WV
Overview
8
8
years of professional experience
Work History
Reconciliation and Loan Review Specialist (Audit)
City National Bank of West Virginia
09.2023 - Current
- Provided detailed documentation on audit findings, facilitating swift corrective action when necessary.
- Performed observations and evaluated supporting documents to supplement audit findings.
- Ensured compliance with regulatory requirements by performing regular audits and staying up-to-date on industry standards.
- Prepared working papers, reports and supporting documentation for audit findings.
- Tracked funds, prepared deposits and reconciled accounts.
- Collaborated closely with external auditors, providing requested documentation promptly to facilitate smooth year-end audits.
- Reduced the risk of fraud by implementing effective internal controls and monitoring systems.
Loan Operations Specialist
City National Bank Of West Virginia
01.2023 - Current
- Carried out day to day duties accurately and efficiently.
- Performed duties in accordance with Federal Flood standards to assure that flood customers were in compliance.
- Monitored UCC insurance on loans above 250K to make sure they followed bank policy.
- Verified premiums and tax ticket amounts, to issue payment to avoid insurance lapse or delinquent taxes.
- Analyzed escrow accounts to ensure the correct amount was being collected.
- Took phone calls to assist customers with Escrow questions.
Customer Service Supervisor
City National Bank Of West Virginia
08.2020 - 12.2022
- Promoted bank's products and services by consistently cross-selling to customers.
- Conducted training and mentored team members to promote accuracy and commitment to friendly service.
- Resolved account issues to build rapport and relationships with clients.
- Examined tellers' reports of daily transactions for accuracy.
- Counted, verified and handled bank deposits and armored car transactions.
- Executed wire transfers, stop payments and account transfers.
- Create weekly schedules to ensure adequate coverage of all shifts.
- Maintained strong knowledge of bank products, services, procedures and regulatory requirements to assist staff members with questions and difficult or complex tasks.
- Maintaining vault levels by shipping and ordering cash every week.
- Performing periodic surprise cash audits on teller drawers.
- Promptly completing quarterly reports to remain in compliance.
- Ensuring the branch was maintaining all retention guidelines.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Purchased and maintained office supply inventories while adhering to budgeting practices.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Maintained friendly and professional customer interactions.
General Manager
Zaxby's Chicken Fingers & Buffalo Wings
03.2019 - 07.2020
- Managed budget implementations, employee reviews, training, schedules and contract negotiations.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Reduced corporate risk by managing shrink processes and controlling inventory levels.
- Oversaw balancing of cash registers, reconciled transactions and deposited establishment's earnings to bank.
- Maintained facility and grounds to present positive image.
- Identified problems, conducted troubleshooting and sought repair or maintenance support to keep restaurant equipment operational.
- Analyzed variances and implemented corrective actions to increase average meal checks and customer visits.
- Built and leveraged community relationships to drive business and maximize catering programs.
- Carefully interviewed, selected, trained and supervised staff.
- Effectively managed payroll and timekeeping, and paperwork for new hires and terminations.
- Conducted health, safety and sanitation process evaluations to identify and remedy any violations immediately.
- Correctly calculated inventory and ordered appropriate supplies.
- Maintained safe working and guest environment to reduce risk of injury and accidents.
- Met, greeted and encouraged feedback from customers and used feedback to implement positive changes within restaurant.
- Oversaw front and back of house personnel to maintain adequate staffing and minimize overtime.
- Managed a 40+ person team for high volume, fast paced environment.
- Led my team to grow from a #11store to a #2 store in the span of 2 quarters.
Assistant Manager
Zaxby's Chicken Fingers & Buffalo Wings
04.2016 - 03.2019
- Helped with planning schedules and delegating assignments to meet coverage and service demands.
- Ensure quick and accurate service to satisfy all customers.
- Supervised all areas of restaurant to keep it clean and well-maintained.
- Immediately resolved issues with patrons by employing careful listening and communication skills.
- Kept restaurant compliant with all federal, state and local hygiene and food safety regulations.
- Pitched in to help host, waitstaff and bussers during exceptionally busy times such as dinner hour.
- Oversaw food preparation and monitored safety protocols.
Skills
- UCC Filings
- Loan Operations
- Problem Resolution
- Staff Development
- Banking Financial Software
- Cash Handling
- Customer Referrals
- Teller Transactions
- Internal Audit Procedures
- Accurate Recordkeeping
- Data Research and Analysis
- Sales Expertise
Timeline
Reconciliation and Loan Review Specialist (Audit)
City National Bank of West Virginia
09.2023 - Current
Loan Operations Specialist
City National Bank Of West Virginia
01.2023 - Current
Customer Service Supervisor
City National Bank Of West Virginia
08.2020 - 12.2022
General Manager
Zaxby's Chicken Fingers & Buffalo Wings
03.2019 - 07.2020
Assistant Manager
Zaxby's Chicken Fingers & Buffalo Wings
04.2016 - 03.2019
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