Cashier, Customer Service

Professional Summary

Skills

STEVE ESCALANTE

El Centro, CA 92243 760-***-**** ***********@*****.*** I have over 22-years background in consumer financing, loan administration, default management and customer service. Excellent analytical and communication skills and offering vast knowledge of business regulations and compliance procedures. Dedicated to maintaining professionalism and integrity. Driven professional effective at maximizing customer service opportunities while exceeding individual performance goals. Community reputation for industry knowledge and high levels of integrity in business management.. Very focused on customer service, efficiency and achievement. Goal-oriented multi-tasker with history of excelling as team leader. Over 9 years of achievement of successful leadership. Multi-talented at multi tasking consistently rewarded for success in planning and operational improvements. Experience in policy development and staff management procedures positively impacting overall morale and productivity. Enthusiastic, eager to contribute to team success through hard work, attention to detail and excellent organizational skills. I have received numerous awards through different companies such as Manager of the Quarter, Employee of the Month, Employee of the Quarter and Top Salesman of the Month. I have a lapse of employment due to the fact that the owner passed away and business was closed and I chose to be a Fulltime Stay at home Dad but now that kids are grown im a able to renew my passion for customer service.

Superior Organization Skills

Financial Transactions Expertise

Loans

Experian Transact SM

Sales expertise

Business Development

Risk management assessments

Proficient in many types of accounting

systems and software

Financial services

Financial Industry Computer Systems Loan

Accountant

Balance sheet expertise

Relationship building and management

Exceptional time management skills

Strong Banking Ethics

Financial Analysis Aptitude

Excellent Time Management

Proficient in 10-key

Safes and vault operation

ATM stocking and operation

Cash Handling

Currency and coin counter operation

Database Management

Team Player

Banking

Credit

Customer-oriented

Problem resolution

Team management

Work History

Team building

Business operations

Work flow planning

Budgeting and forecasting

Solutions Development

Project Management

Risk analysis and management

Supply Chain Distribution

Policies and Procedures Implementation

Operations management

Realtor Sales Associate, Loan Officer & Notary 01/2003 to 10/2012 Peoples Mortgage And Real Estate – El Centro, CA

Delivered strategic assistance to homeowners and homebuyers looking to buy or sell residential properties in El Centro metro area.

Educated clients looking to sell or buy on current market conditions, legal requirements, pricing and mortgages.

Collaborated with attorneys, loan officers and agencies to complete property sales and purchases and thoroughly explained all financial requirements and data to potential buyers and sellers.

Compiled database of loan applicants' credit histories, corporate financial statements and other financial information.

Developed and maintained relationships with local real estate agents. Reviewed over 50 financial statements per month.

Originated, reviewed, processed, closed and administered customer loan proposals. Maintained friendly and professional customer interactions. Maintained strict confidentiality of bank records and client information. Awarded Employee of the Quarter service award after closing $1 million in new business. Submitted loan applications to underwriter for verification and recommendations. Coordinated appointments to show marketed properties. Educated clients on sales and buying processes and advised buyers on making decisions. Used IVBOR to list and track properties in local area, complete in-process sales and update client information.

Communicated with clients to understand property needs and preferences. Generated leads for sales and rental properties through cold calls and refferrals. Lead Inventory Specialist 11/2001 to 03/2004

RGIS – El Centro, CA

Pulled merchandise from inventory storage and documented quantities to maintain accuracy. Completed physical inventory counts each shift.

Devoted special emphasis to punctuality and worked to maintain outstanding attendance record, consistently arriving to work ready to start immediately. Managed quality assurance program, including on-site evaluations, internal audits and customer surveys.

Maintained excellent attendance record, consistently arriving to work on time. Mortgage Loan Originator 10/2001 to 02/2003

America One Finance – El Centro, CA

Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to all customer needs.

Interviewed applicants to assess loan requirements before suggesting offers. Collected information from banks, institutions and employers to assess applicant eligibility. Prepared documents for customers, submitting and overseeing through each step of closing process.

Resolved discrepancies between borrowers, lenders and financial institutions with detail orientation and efficiency.

Reviewed loan files and updated to match current standards. Explained different types of loans pertaining to client situations. Fielded customer complaints and provided solutions. Complied with regulatory requirements, including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act. Successfully closed average of 6 loans per month.

Reviewed and edited loan agreements to promote efficiency and accuracy. Developed and maintained relationships with local real estate agents. Reviewed over 30 financial statements per month.

Operations Manager 09/1997 to 10/2000

Government Agencies Federal Credit Union – El Centro, CA Conducted performance reviews each quarter, offering praise and recommendations for improvement.

Directed day-to-day operations focused on attainment of key business metrics, continuous improvement initiatives and 24-member management team with related direct reports. Implemented policies and standard operating procedures for continuous improvement. Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands.

Devised, deployed and monitored processes to boost long-term business success and increase profit levels [Number]%.

Developed and implemented daily operations plans such as delivery routes, employee assignments and promotional strategies.

Maintained constructive client and vendor relationships. Restocked inventory to sustain par levels and produced quarterly inventory audits and calculated, updated and presented reports.

Formulated processes that enabled team to improve assistance to support groups, resulting in reduction of down time and financial loss.

Managed and allocated staff and material resources to meet production goals. Updated and published standard operating procedures (SOPs) using stakeholder, customer and employee input and feedback resulting in clearer and more useful instruction for users. Coordinated visits and provided briefs to very important personnel (VIPs) improving knowledge and awareness of operational activities, programs and offerings. Managed communications during major technology outages, natural disasters, virus outbreaks, frame cloud outages and network device outages. Developed organization systems for sales reports and financial records and strengthened operational traceability and operational efficiencies. Spearheaded department training for appraisals of new components. Verified compliance with best business practices throughout organization. Maximized productivity and management systems by establishing specific goals and managing operations.

Oversaw day-to-day operations, including supervising 24-person team across 2 sites. Built relationships with customers and managed accounts to drive revenue and profit. Senior Branch Operations Specialist 03/1992 to 08/1997 Valley Independent Bank – El Centro, CA

Boosted branch sales by developing and deepening customer loyalty through incentive programs.

Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations. Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.

Met deadlines by proactively managing individual and team tasks and implementing reconciliation processes.

Engaged employees in business processes with positive motivational techniques. Assessed employee performance and developed improvement plans. Identified and capitalized on community business opportunities with effective networking. Protected company assets with strategic risk management approaches. Produced branchcollection and reconciliation reports outlining financial data to assist management with making strategic plans and operational decisions.B Recruited, interviewed, hired and trained 50 employees and implemented mentoring program to promote positive feedback and engagement.

Vault Teller 12/1990 to 03/1992

Household Bank – El Centro, CA

Reconciled branch reports and general ledger accounts to identify unusual transactions, fraud and accounting errors.

Complied with security and internal control procedures and policies and conducted mandatory trainings to educate staff on new and existing processes. Greeted and welcomed customers with courteous and professional approach to drive prompt, accurate and efficient transactions.

Notified manager of equipment malfunctions and dispatched service to enhance security and reduce downtime.

Investigated staff out-of-balance conditions and instituted corrective procedures. Performed vault, alarm and door duties to facilitate opening and closing of operations. Adhered to dual control processes and audited cash drawers to reduce losses due to accounting errors and employee theft.

Maintained up-to-date and comprehensive knowledge on robbery procedures to employ strategies to deter robbers and further improve branch security. Answered customer questions and explained policies and procedures to solve problems and assist with complex transactions.

Assigned and distributed workflow to support efficient and effective front line operations. Maintained, organized and stocked teller window areas. Supported, trained and encouraged 13 employees to actively cross-sell financial institution service and product offerings.

Trained new tellers in processes and procedures for financial institution, answering questions and providing guidance.

Balanced staff and vault at end of day and secured monies in accordance with established procedures.

Promoted products or services to each customer to consistently achieve sales targets. Provided high-level customer service through friendly approach, strong professionalism and timely assistance with customer transactions.

Answered telephone inquiries on banking products including checking, savings, loans and lines of credit.

Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.

Maintained balancing record with 100% rate of accuracy. Identified sales opportunities and referred customers to branch partners in financial services. Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.

Processed quarterly vault and ATM audits with zero error rate. Upheld strict financial controls by keeping funds secure and accurately transferring monies. Organized and removed banking files no longer in use. Coordinated daily cash reconciliation in high-volume location. Completed special procedures for customers such as ordering new checks, stopping payments or investigating identity theft.

Volunteered for extra shifts during holidays and other busy periods to alleviate staffing Education

shortages.

Monitored customer behaviors and upheld strict protocols to prevent theft of assets. Opened accounts with cross sale ratio of 4 products opened. Executed customer transactions, including deposits, withdrawals, money orders and checks. Served needs of more than 1000 customers in busy beginning of the month environment. 02/2005

Busiiness Management & Ca Realtor: Business Management And Ca Real Estate Salesperson Allied Business Schools - Laguna Hills, CA

High School Diploma 06/1989

Central Union High School - El Centro, CA

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