ELVIRA E. cervantes

**** ******* ****** *****: 209-***-****

Stockton, CA 95212 Email Address: acenzz@r.postjobfree.com

Experience

Jan. 2011 to present Western & Southern Life Insurance Company Stockton, CA

Sales Representative

Schedule meetings with customers to assess insurance needs

Explain benefits of insurance offerings that meet the specific needs of each customer

Procure sale of insurance products to best fit customers’ needs

Schedule periodic follow up meetings with customers to ensure customer satisfaction

July 2008 to July 2010 Sierra Pacific Home Loans, Inc. Stockton, CA

Loan Officer

Utilize existing network of contacts, including but not limited, to leveraging strategic

partnerships with Real Estate Brokers to generate new business

Analyze and assess customers’ income and debt ratio to qualify the loan

Thoroughly explain the various loan offerings available

After carefully assessing the unique financial condition of each customer, provide

recommendations as to which loan offerings are best suited for that particular customer with

detailed explanations supporting my recommendations

Educate customer about the competitive advantages of our loan offerings

Provide prompt customer service throughout all stages of the loan process, including follow up

after the loan has been procured

Nov. 2003 to Apr. 2007 RBC Mortgage/Home 123 Corporation Stockton, CA

Loan Officer

Please refer to Loan Officer job duties listed above for Sierra Pacific Home Loans, Inc. as they

are identical

Aug. 1977 to Mar. 2001 San Joaquin First Federal Bank/ Stockton, CA

Great American First Savings Bank/

Wells Fargo

Personal Banker (1992 to 2001)

Responsible for customer service operations and retention of accounts

Assist and offer suite of banking solutions to meet customers’ needs, including opening new

accounts and processing real estate loans

Prepare and submit detailed monthly real estate and consumer reports

Audit validity of all real estate and consumer loan documents

Oversee all areas of operations in Branch Manager’s absence

In Store Banking Manager (1990 to 1992), Customer Operations Representative II (1982 to 1990),

Senior Teller (1977 to 1982)

Education

Image and Communication Skills for Women

National Seminar Inc.

Introduction to Banking

Hawaii Institute of Banking

Great American First Savings Bank

Training and Development Department

Real Estate Loan Information Program

Automobile Loan Information

Sales Management

Advanced Sales Techniques

Telemarketing

Telephone Dynamics

Trust Deed Collections

Budgeting

Wells Fargo Bank

Officership Program

LICENSES

December 2011 - Life, Health, Accident and Disability License issued by CA

Department of Insurance

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