Araceli Garcia

**** ***** ***** *** *******, TX *8254

210-***-****

ad05v4@r.postjobfree.com

CAREER OBJECTIVE

To obtain a position that will enable me to use my strong management, leadership, and team unity skills that I built within my 11 years of banking.

SUMMARY OF QUALIFICATIONS

Developed extensive training as a member specialist dealing with cash handling, member advice, teller supervisor, and vault leader.

Extensive skills with leadership and ordering money for bank cash flow

Implement skills with much training on the teller/banker side along with mortgage trainings and seminars

EDUCATION

San Antonio College

2006-2008

Judson High School

2002-2006

Certifications

Certificate of Completion for Consumer Real Estate Home Equity Servicing August 2014

Certificate of Completion School of Loan Origination Mortgage Bankers Association December 2015

EXPERIENCE

ADT Food Wholesale

Almacenes De Tejas

Accounting Specialist

January 2, 2023- September 15,2023

As an accounts payable clerk my responsibilities included:

Processing accounts and incoming payments in compliance with financial policies and procedures. Performing day to day financial transactions, including verifying, classifying, and recording accounts payable data. Preparing bills, invoices and bank deposits.

Another role I took on was processing accounting receivables and incoming payments in compliance with financial policies and procedures. Performing day to day financial transactions, including verifying, classifying, computing posting and recording accounts receivables data. Preparing bills receivable, invoices and bank deposits.

PENFED CREDIT UNION

July 2020 – November 2022

DIGITAL MORTGAGE LOAN OFFICER

Take inbound and outbound calls, speak about mortgage products including purchases, refinances, home equity line of credits. Consult consultations with members to see what product best fits them and their needs. Evaluate creditworthiness and eligibility for obtaining a mortgage loan with Penfed and make sure it falls within our guidelines. I prepare and submit mortgage loan applications, set expectations of next steps, provide underwriting conditions and what documents to send in.

USAA

May 2014 - July 2020

(Home Equity Specialist, Mortgage Coordinator, Mortgage Loan Officer III)

As a home Equity Specialist I was able to process payments, subordinations, and help members to apply for a new home equity loan/line of credit.

As a mortgage coordinator I began to understand the process of what a mortgage consisted of and how to answer member’s needs in regards to a purchase, refinance and what beginning steps were needed to take before applying.

As a mortgage loan officer, I have exceeded to meet my monthly goals in how many loans I fund a month, provide Prequalification’s and Applications for members that want to buy a home and or refinance.

Randolph Brooks Federal Credit Union

May 2013-May 2014

Member Service Specialist

As a member service specialist I was to provide enthusiastic, professional, quality service to members and non members. Process various inquiries and transactions as directed by properly identified members. Recommend products and services to members to enhance their quality of life. Maintain current knowledge of the RBFCU Member Handbook as well as RBFCU policies and procedures.

In addition comply with applicable regulatory laws pertaining to the credit union and internal policies and procedures. Maintain control of cash and negotiable instruments, prepare various teller reports, and escort members into designated areas when requested.

Wells Fargo

August 2008- May 2013

Lead Teller (3rd Key)

As a teller in would introduce customers to new products and services and generate leads for other members of sales team to close. I had my own scorecard with goals I needed to meet every month, for I was a great teller I would go the extra mile to greet customers, make them feel welcome and also engage customers to learn about their financial needs. I processed 20-25 customer transactions each hour with no mistakes through patience, attention to detail, and the ability to follow procedures. I made referrals, recommendations, cross-sell bank services and products for Wells Fargo partners. Duties that were included in my job was safe deposit, merchant/vault ATM processing, bonds, coupons, nigh drop and foreign currency

IBC Bank

June 2006- August 2008

Teller

As a bank teller I provided prompt, efficient and friendly service; process transactions for various types of accounts including checking, saving, loans in accordance with bank procedures; prepare daily general ledger entries; adhere to guidelines established to maintain a balanced drawer; and gave excellent communication skills.

ADDITIONAL SKILLS

Utilize and mastered the following:

Microsoft Office

PowerPoint

Outlook

Excel

Type 75 words per minute

Cash Handling

Licensed in Mortgage Products

Licensed in Home Equity Products

Notary Republic

Quickbooks

Accounts Payable/Receivables

Processing Payments

LANGUAGE

English & Some Spanish

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