Customer Service Sales

Title:Lee Hecht Harrison

*********@*****.***

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Name: Joy Pal

Address:

City: Elk Grove

State: CA

Zip/Postal Code: 95757

Country:

E-mail: *********@*****.***

Primary Phone:

Background

Most Recent Job Title: Equity Loan Processor

Most Recent Employer: The Golden 1 Credit Union

Career Level: Customer Service

Availability or Timeframe: Within 2 weeks

Authorized to work in the US: Yes

Security Clearance:

Do you have transportation: Yes

Over 18: Yes

Education: Certificate

Languages Spoken: English

Job Preferences

Desired Salary: Open

Willing to Relocate:

Desired Job Titles: Loan Processor

Customer Services

Finace Specialist

Desired Job Types: Employee

Work Status: Full Time

Desired Shifts: 1st Shift, Overtime

Desired Travel: 50%

Category: Banking/Finance, Customer Service, Military/Government, Sales/Business

Development

Company Size:

Company Type:

Industry: Banking / Finance, Consumer Products, Government / Civil Service, Insurance

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Copyright c 1997- Lee Hecht Harrison, Inc.

JOY PAL

6732 Pallazzo Way

Elk Grove, CA 95757

Phone Number: 916-***-****

Email-Address: *********@*****.***

OBJECTIVE

A Finance Professional with expertise in mortgage and consumer lending - customer

relations, sales, collections and administrative. My field of experience is diverse. I

have worked over 12 + years in the financial industry for a credit union which is a non-

profit organization. Strengths include analyzing data, implementing policies and

procedures and team building which values cross functional working relationships.

PROFESSIONAL EXPERIENCE

THE GOLDEN 1 CREDIT UNION, Sacramento, CA 1995-Present

Equity Loan Processor, Equity Lending (April 2005-Present)

Processed equity loans for over 77 branches including mailed in applications and

applications submitted over the phone via the call center for 100 representatives.

Edited legal and financial documents both from customers and vendors.

Prepared and transferred loan documents for signing and funding for both Fixed Equity

and Line of Credits.

Expedited processing using phone, facsimile machines and email.

Achieved excellent reputation for productivity, complex problem resolution and

professionalism.

Assisted co-workers, managers, supervisors for additional projects as needed.

Worked with very high volumes of loans and calls maintaining 10 day turn-around goal.

Presented customers with other products and services.

Joy Pal Page 2

PROFFESSIONAL EXPERIENCE (Continued)

Member Services Representative, Call Center (June 1995-March 2005)

Responded, assisted, researched and directed all customer inquiries with very minimal

supervision well within the handling time goals.

Sold and marketed the credit unions products and services.

Built strong phone etiquette maintaining customer loyalty.

Received many complimentary letters and recognitions from customers, fellow co-workers

and management.

Processed, funded, edited financial and legal documents for all customer loan

applications.

Trained fellow employees, implemented new ideas and performed multiple transactions

successfully.

Recognized and achieved monthly incentives for highest sales in GAP insurance within my

department and throughout the company overall from senior management.

Collections Technician, Collections Department (January-May 1995)

Contacted customers with late payments and determined need to transfer calls to a

senior collector.

Cross sold disability and life insurance within the company s guidelines and

procedures.

Assisted staff with posting and balancing transactions.

Dealt with and negotiated with a lot of unhappy customers.

EDUCATION

Sacramento Job Corps Center,

Sacramento, CA

Skills and Business Education Center,

Sacramento, CA

CERTIFICATIONS INCLUDE

General Secretary, Account Clerk, Bookkeeper, Word Processor

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