Victor M. Vega
Chula Vista,CA
Summary
Results-oriented financial professional with expertise in loan processing and customer relationship management. Exceeded sales goals while ensuring compliance through strong analytical skills and effective strategies. Focused on driving growth and enhancing member satisfaction.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Member Loan Representative II Virtual Branch
Cabrillo Credit Union
San Diego
04.2024 - Current
- Reviewed credit reports to uncover cross-selling opportunities, enhancing customer engagement.
- Processed consumer loan applications online and via phone, ensuring timely responses for applicants.
- Collected and verified necessary documents to streamline loan processing.
Financial Service Representative II
North Island Credit Union
Chula Vista, CA
09.2022 - 04.2024
- Processed loan applications while effectively cross-selling credit union products to enhance member financial well-being.
- Assisted members with HELOC loan applications, ensuring thorough preparation prior to funding.
- Exceeded commercial lending goals and consistently acquired new accounts, contributing to branch growth.
- Conducted face-to-face interviews with prospective members to assess qualifications.
- Maintained and updated member account files for accuracy and compliance.
- Performed account maintenance and conducted detailed loan audits to uphold compliance and ensure account integrity.
- Handled cash transactions accurately and prepared daily branch reports.
Banking Specialist III
First Bank
Chula Vista, CA
06.2019 - 09.2022
- Established strategic relationships as the main contact for clients booking commercial and real estate loans.
- Collaborated with Wealth management advisors to grow deposit and investment balances of $5 million + in first year of position in new money.
- Processed HELOC loans, achieving an average of 2+ monthly closures to support loan portfolio growth.
- Maintained account files and conducted loan audits to ensure compliance and accuracy.
- Researched and stayed up to date with competitor's rates and promotions.
Financial Service Representative I
SDCCU
San Ysidro, CA
10.2017 - 01.2019
- Opened new accounts and processed loan applications, funding Visa share-secured loans to support member financial needs.
- Cross-sold credit union products to improve member services and meet diverse financial requirements.
- Executed weekly sales calls to follow up on referrals, fostering engagement and building member relationships.
- Conducted interviews with prospective members to evaluate qualifications.
- Promoted credit union at offsite events, increasing brand visibility.
- Participated in community engagement events to strengthen local relationships.
Universal Banker (Receptionist)
SDCCU
San Ysidro, CA
08.2016 - 10.2017
- Coordinated calendars and schedules for branch employees to support seamless operations.
- Provided backup for financial service representatives and tellers during peak periods to maintain service levels.
- Initiated and resolved disputes to maintain customer satisfaction.
- Audited debit cards, temporary checks, and safe deposit logs for accuracy and compliance.
- Cross-sold loan and financial products to expand customer base.
- Updated branch with current rates and marketing materials to enhance client engagement.
- Participated in offsite events and community initiatives to strengthen client relationships.
Member Service Representative
SDCCU
Chula Vista, CA
02.2016 - 08.2016
- Promoted credit union products and services to new and existing members, enhancing member engagement and satisfaction.
- Cross-sold various products and opened new shares, facilitating member access to financial solutions and contributing to branch growth.
- Consistently exceeded assigned sales goals through strategic engagement.
- Processed complex account transactions for deposits, loan payments, and share openings, ensuring accuracy and timely service for members.
New Car Sales and Leasing
Bob Baker Toyota
Lemon Grove, CA
04.2013 - 02.2016
- Maintained high prospect-to-customer conversion ratio by implementing targeted engagement strategies.
- Executed cold calling campaigns to generate leads and stimulate interest among potential customers.
- Achieved 100% satisfaction rating on all customer service surveys.
- Enhanced product knowledge through ongoing education on new technologies, current Toyota promotions, and competitor offerings.
Teller
Wells Fargo
Chula Vista, CA
01.2012 - 04.2013
- Managed complex cash transactions to ensure accuracy and efficiency.
- Balanced vault daily, ensuring financial integrity and adherence to compliance standards.
- Cultivated client relationships to foster loyalty and satisfaction.
- Promoted and referred banking products to meet client needs and drive sales.
- Performed account maintenance to uphold service standards.
- Answered inbound calls, addressing inquiries and providing assistance.
- Oversaw safe deposit box operations for secure customer access.
Insurance Agency Owner
Farmers Insurance Group
San Diego, CA
08.2010 - 01.2012
- Created tailored insurance proposals for auto, home, life, and commercial products to meet client needs.
- Implemented cross-selling strategies that boosted sales among new and existing clients.
- Built strong client relationships to foster loyalty and drive repeat business.
- Created a networking group to generate leads and secure referrals.
- Conducted cold calls to reach potential clients and expand market presence.
- Performed insurance reviews and analyzed potential risks for clients.
Office Manager
Farmers Insurance Group
Chula Vista, CA
05.2007 - 08.2010
- Surpassed office sales goals consistently through targeted efforts.
- Cross-sold business books, boosting sales and retention opportunities.
- Trained agency staff on compliance and marketing strategies, improving knowledge in sales techniques and bookkeeping.
- Established networking group, generating referral opportunities.
- Conducted cold sales calls to generate new leads.
Customer Service Lead/Recruiter
Farmers Insurance Group
San Diego, CA
01.2005 - 05.2007
- Recruited and conducted interviews for potential agents, and staff for agents.
- Trained agents and staff on new products and client management software to enhance service delivery.
- Assisted 40+ agents with policy maintenance, ensuring compliance and accuracy.
- Coordinated District Managers' schedules to maximize meeting efficiency.
Education
Property Casualty Life And Health
Mike Russ Financial Training Center
San Diego08-2011
Skills
- Loan processing
- Consumer lending
- Compliance management
- Risk assessment
- Document collection
- Customer relationship management
- Sales strategies
Certification
- CA Property Casualty/Life and Health, 0H61693
- NMLS ID, 1958012
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Timeline
Member Loan Representative II Virtual Branch
Cabrillo Credit Union
04.2024 - Current
Financial Service Representative II
North Island Credit Union
09.2022 - 04.2024
Banking Specialist III
First Bank
06.2019 - 09.2022
Financial Service Representative I
SDCCU
10.2017 - 01.2019
Universal Banker (Receptionist)
SDCCU
08.2016 - 10.2017
Member Service Representative
SDCCU
02.2016 - 08.2016
New Car Sales and Leasing
Bob Baker Toyota
04.2013 - 02.2016
Teller
Wells Fargo
01.2012 - 04.2013
Insurance Agency Owner
Farmers Insurance Group
08.2010 - 01.2012
Office Manager
Farmers Insurance Group
05.2007 - 08.2010
Customer Service Lead/Recruiter
Farmers Insurance Group
01.2005 - 05.2007
Property Casualty Life And Health
Mike Russ Financial Training Center