Leticia R. Castaneda

619-***-**** ● adu3yc@r.postjobfree.com

Professional Skills

• Customer Service • Cash Handling • Collections & Billing

• Consumer Loans • Underwriting • Hospitality

Experience

BARONA CASINO

12/2016 – 3/2020

Table Games Dealer

Provide exceptional guest services, deal card games with proper technique and procedure, cash handling, and perform calculations of winnings for accurate payouts.

10/2013 – 12/2016

Cage Cashier

Provide customer service to clients, cash handling, and balancing of funds. Provide membership functions and answer all guests’ questions regarding promotions or amenities. NATIONAL PEN

8/2010 –9/2013

Collections/Credit Specialist/Customer Service

Collect on delinquent accounts. I input notes regarding payment arrangements and take payments on current and past due accounts. Customers call in as well as make outbound calls to maintain accounts. I also provide customer service to customers who have questions on their accounts from balance, payment arrangements, order update, update personal information, and any other inquiries they may have. Update and release orders from customers that may have been placed on hold due to no credit, slow payment history, and first-time purchases. CALIFORNIA COAST CREDIT UNION

2/2008 – 1/2009

Collections Specialist

Contact members to resolve delinquent accounts and make payment arrangements. Maintain written records of contacts and arrangements. Correspond with member to communicate delinquent account status by explaining specific account information Input and maintain data on personal computer regarding the status of accounts. Review assigned queues by research of and setting parameters for payment. Perform skip tracing to locate members by contacting relatives, friends, employers, and other creditors. Maintain written record of skip tracing efforts. Recommend to the Collections Assistant Manager, accounts to be recommended for field chase, attorney letter, or repossession. Perform other relevant and related duties as required. 4/2004 – 2/2008

Consumer Loan Underwriter

Reviewed all consumer loan applications to determine loan eligibility, evaluated income, other loan commitments, debt ratio, credit rating, length of employment, etc., and responsible for underwriting consumer loans to credit union policy. Also responsible for reviewing and approving funds direct/indirect auto loans. Ensured that branch and dealers understood loan commitment. Utilized a thorough knowledge of loan policy to communicate credit granting criteria, interest rates, interest rate computation, disclosure and the documentation required for each loan alternative. Provided routine information concerning credit union services and policies, loan eligibility and lending. Submitted applications to the Senior Underwriter, if applicant was marginally qualified or if requests exceeded loan policy, or underwriter limits. Reviewed applications for alternative loans and cross-sold products when applicable. Performed other relevant and related duties as required.

9/1999 – 4/2004

Senior Member Services Specialist (call center)

Analyzed member’s financial needs and actively seeked opportunities to increase member relationships for appropriate products and services. Determined membership eligibility, deposit rates and opened new accounts by telephone. Assisted members with account inquiries, posting financial transactions and account maintenance. Educated members on use of automated services, quotes, general consumer loan products, service information, and referred members to appropriate staff. Answered general questions and resolved Visa Credit Card, Visa Check Card, and ATM card issues. Assisted members with existing general loan inquiries, transactions, reverses, overdrafts, NSF and other fees when appropriate, following credit union guidelines. Performed transactions, adjustments and overrides with increased authority. Provided basic online banking member support. Performed necessary steps to ensure BSA/AML compliance to reduce risk to the credit union. Performed other relevant and related duties as required. Programs

Microsoft/ Word / Outlook / Excel / XP

Intellect / Symitar / Groupwise

Loan Center /Accurint/ Fastdata

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