Service Representative II Resume Example Citizens Business Bank

SERVICE REPRESENTATIVE II

Professional Summary

Self-motivated experienced Consumer/Commercial Real Estate Lending professional with both educated and working knowledge of loan documentation, loan closing processes and procedures, lending conditions, compliance and lending regulations. Seeking a position as a Mortgage Loan Closer to build upon my current knowledge whilst accommodating personal thrive for heavy work-load and challenging environments.

Skills

Commercial Lending,Commercial Real Estate, Risk Management,Compliance
HMDA, Appraisal Independence Requirements (AIR)
Initiative, Decision Making, Client Services
Interpersonal, Problem Solving, Analytical, Process Improvement
Portfolio Management, Loan Closing/Funding
Loan Documentation, Data Analysis, Operations, Financial Statements

Microsoft Office, Adaptability, Collaboration, Fast Learner
Superb Experience Working With Staff and Working with Minimal Supervision
Strong Organization, Self-Management, Time-Management, Diligence, and Keen Eye for detail
Advanced Experience With Accounting and Financial Software
Written/Oral Communication, Multitasking, Prioritizing skills, and meeting Deadlines

Work History

Service Representative II, 08/2019 to 02/2020
Citizens Business Bank – Stockton, CA

Prepare all commercial loan documents for signing
Review and audit loan documentation for accuracy and completeness to ensure compliance with underwriting, government, and company requirements
Responsible for preparing and verifying final figures
Understand and adhere to all existing changes as soon as they are implemented
Obtain clients' financial statements (BFS/PFS/ PFS Cert.) and tax returns for review
Manage, coordinate and prioritize multiple loan closings simultaneously
Loan closing process, documentation, procedures, and compliance (Incl.SBA 504). Ensuring all loans are closed in strict accordance with all guidelines
Review and ensure all tickler reports are updated and accurate
Order flood certifications for loans pending closing
Run OFAC reports
KYC / Reconciliation
Download, Print and distribute various monthly reports for VP Center Manager and Loan Officers (Incl.Pipeline)
Assist VP in reviewing and scanning Loan closing documents
Research Loan system to resolve any problems and/or respond to customer inquiries
Working and Educated knowledge of spreadsheets,Excel,Microsoft Office, and Financial software
Customer due diligence and risk management
Review executed Loan packages for accuracy and to ensure compliance with regulatory and policy requirements
Assisted with projects to streamline various job functions
Pull appropriate documents from Secretary of State Website and verify accounts are active.(Articles of Organization/Statement of Information)
Coordinate and Facilitate initial Loan funding

Teller/Universal Associate Banker, 05/2017 to 05/2019
JPMorgan Chase – Stockton, CA

Worked directly with Mortgage Officers to ensure Loan documents are prepared in accordance with credit approval, loan documentation standards, government and regulatory requirements
Maintain open lines of communication to obtain Loan status information
Analyzing customer accounts, balances, and spending habits to ensure they are enrolled in appropriate beneficial programs, and placed in correct account class
Prepared new account documents for opening of accounts
Follow up with additional email reminders to customer for account information
Analyzed all accounts and activity for appropriate referrals, while taking precaution on risk mitigation
Opened and closed accounts on platform side
Organized complex projects, while accommodating changing timelines and priorities
Simultaneously managed teller line employees, filed all proof work, upheld culture manager responsibilities, and performed customer debit/ credit card transactions with complete accuracy
Performed Cash Vault,Teller audits, shipments and input data for outages
Familiarity with mortgage department and platform side

Teller, 07/2014 to 06/2015
Bank Of America – Oceanside, Ca

Review customers' loans and accounts for refinancing opportunities
Analyzed accounts/statements to ensure financial order and to determine financial need for credit or loans
Opened new accounts, Ordered/Replaced Debit cards, closed accounts, and changed account status
Prepared, sorted, and distributed daily/Loan reports to appropriate files
Accurately processed all cash, credit, debit transactions, administrative work, and cash Reconciliation in high volume location with 100% rate accuracy
Prepared all branch and customer cash orders
Processed quarterly Vault and ATM audits with zero error rate

Shift Manager/Cashier, 10/2012 to 10/2014
Yogurtland Franchising Inc – Oceanside, Ca

Tracked receipts, employee hours, inventory, screened all calls, and input data into ecommerce system
Produced regular reports and spreadsheets to evaluate company/employee performance Via QuickBooks
Performed Head Cashier and safe vault custodian functions while providing excellent customer service
Trained and mentored all new employees to maximize team performance/ Coordinated employee reviews, meetings, and schedules

Education

Business Administration/AccountingSan Joaquin Delta College - Stockton, CA

High School Diploma: 2012
Edison High School - Stockton, CA

Business Administration Program

GPA: 3.25

Certifications

BSA, AML, OFAC Certificate

Typing Certificate 55 WPM

Resume Overview

Companies Worked For:

Citizens Business Bank
JPMorgan Chase
Bank Of America
Yogurtland Franchising Inc

School Attended

San Joaquin Delta College
Edison High School

Job Titles Held:

Service Representative II
Teller/Universal Associate Banker
Teller
Shift Manager/Cashier

Degrees

Business Administration/Accounting
High School Diploma : 2012

Service Representative II Resume Example

Resume Score: 80%

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