Summary
Overview
Work History
Education
Skills
Timeline
Generic

VICTORIA RAMIREZ

Bakersfield,CA

Summary

Highly analytical and communicative individual with exceptional teamwork skills. Possesses a proven ability to swiftly adapt to new environments. Eager to contribute to team success and further develop professional skills. Driven to excel in any role undertaken. Demonstrates a positive attitude and strong commitment to continuous learning and growth. Ready to make a valuable impact.

Overview

12
12
years of professional experience

Work History

Card Service Process Representative

Chevron FCU
01.2023 - Current
  • Maintained accurate records of all disputes, ensuring proper documentation was in place for future reference or audits.
  • Maintained up-to-date knowledge of product and service changes.
  • Promoted data integrity within the general ledger system through routine review of journal entries for accuracy and completeness.
  • Contributed to a positive team environment, sharing knowledge, skills, and expertise with colleagues as needed.
  • Handled ATM withdrawal/deposit disputes.
  • Processed all of CFCU and SCU member mobile deposits.
  • Rejected/Returned any mobile check deposits that seemed suspicious/input errors/post or stale dated/third party payee
  • Approved ATM check deposits in all CFCU ATM's (members and non-member)
  • Posted all ATM Cash Deposits to a specified GL

Sr. Financial Representative

Chevron FCU
01.2022 - 01.2023
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
  • Created and completed loan submission packages
  • Trained and coached less experienced team members in procedures, compliance standards and performance strategies
  • Modified, opened and closed customer accounts
  • Helped customers open and close accounts, apply for loans and make sound financial decisions
  • Assisted customers by answering banking questions and recommending solutions
  • Put together and executed loan documents
  • Opened new checking, savings and lines of credit for customer accounts

Mortgage Loan Processor

Creative Realty
01.2021 - 09.2021
  • Communicated with customers in person and via telephone to answer questions, process transactions and resolve issues
  • Created and completed loan submission packages
  • Managed conditions sent from underwriting departments
  • Completed closing process by collaborating with attorneys, title companies and government clerks
  • Prepared and delivered loan documents to title and escrow teams
  • Maintained complete confidentiality of submitted information according to release guidelines
  • Filed completed packages quickly and efficiently
  • Discussed loan needs and financial histories with clients and conveyed information regarding application processes
  • Obtained and verified clearance of underwriting conditions to prepare loan file for submission and approval
  • Educated clients regarding guidelines and adjustments of loan contracts and packages
  • Inspected loan documentation for mistakes and corrected discrepancies

Teller

Mechanics Bank
09.2019 - 01.2021
  • Submit domestic and international wires
  • Very organized and detailed
  • Process deposits, withdraws, transfers
  • Process and corrected all branch adjustments
  • Ordered branch cash and maintain vault limits
  • Delivered prompt, accurate and excellent customer service
  • Researched and resolved customer issues on personal savings, checking and lines of credit accounts
  • Adhered to financial services security and audit procedures
  • Ordered checks, placed stop payment orders and conducted additional special services for customers
  • Issued and redeemed money orders, cashier checks, traveler's checks and savings bonds
  • Used a strong knowledge of banking products and services to confidently educate customers about features, benefits and pricing

Teller

Union Bank
05.2017 - 09.2019
  • Re filled NCR Cash recycler
  • Coordinated daily cash reconciliation in high-volume location
  • Cash handling
  • Recommended additional products, services and benefits for customers
  • Conducted special service and account transactions for customers, including ordering checks and placing stop payment orders
  • Verified amounts and integrity of every check or funds transfer
  • Processed cash withdrawals

Cashier

Target
05.2015 - 05.2017
  • Worked registers at front end and guest services
  • Maintained cash and cleanliness of 4 self check outs
  • Referred credit cards and target debit cards to customers
  • Stocked shelves
  • Counted out cash drawers
  • Assisted customers with returns and exchanges
  • Wiped down counters and conveyor belt to remove debris and maintain cleanliness

Customer Service Representative

Walgreens
05.2013 - 05.2015
  • Assisted with purchases, locating items and signing up for rewards programs
  • Properly verified customer identification for alcohol or tobacco purchases
  • Operated cash register, collected payments and provided accurate change
  • Welcomed customers, offering assistance to help find necessary store items
  • Wrapped items and bagged purchases properly to prevent merchandise breakage
  • Helped customers find specific products, answered questions and offered product advice

Education

High School Diploma -

Highland High School
Bakersfield, CA
06.2013

Skills

  • Attention to Detail
  • Cash Handling
  • Clerical
  • Data Entry
  • Dependable
  • International funds transfer process expertise
  • Excellent communication skills
  • Exceptional customer service
  • Strong sense of banking ethics
  • MS Office proficient
  • Reliable
  • Friendly
  • Strong work ethic
  • Credit score expertise
  • Dispute resolution
  • Credit and collections
  • Loan Origination and Underwriting
  • Data Integrity
  • Card replacement coordination
  • Card activation support

Timeline

Card Service Process Representative

Chevron FCU
01.2023 - Current

Sr. Financial Representative

Chevron FCU
01.2022 - 01.2023

Mortgage Loan Processor

Creative Realty
01.2021 - 09.2021

Teller

Mechanics Bank
09.2019 - 01.2021

Teller

Union Bank
05.2017 - 09.2019

Cashier

Target
05.2015 - 05.2017

Customer Service Representative

Walgreens
05.2013 - 05.2015

High School Diploma -

Highland High School

Similar Profiles

CREATE PROFILE
VICTORIA RAMIREZ