Universal Banker Financial Planning
Resume:
MACUNGIE, PA *****, MACUNGIE, US, ***** • *********@*****.***
DAYANA CRUZ HANCHARD
Universal Banker
PROFESSIONAL SUMMARY
Universal Banker with extensive expertise in financial services and bilingual proficiency, leveraging strong analytical and digital skills to enhance member engagement and streamline loan processes. Demonstrates a collaborative approach in guiding financial planning and optimizing member outcomes through strategic referrals. Committed to fostering cross-functional synergy and driving portfolio growth with innovative solutions and proactive follow-ups. EMPLOYMENT HISTORY
UNIVERSAL BANKER Feb 2023 - Sep 2024
First Commonwealth Federal Credit Union Emmaus, PA OFFICE MANAGER Jul 2016 - Dec 2022
KRM IMPORTERS, LLC Macungie, PA
Assist members with transactions, ensuring smooth banking experiences. Guide members in financial planning, achieving long-term goals. Close loans efficiently, enhancing portfolio growth. Demonstrate digital banking, increasing member engagement. Refer to specialists, optimizing financial solutions. Analyzed financial wellness needs, crafted tailored credit solutions, and guided long-term planning for diverse member base. Accelerated loan closures through proactive follow-ups and streamlined processes, contributing to portfolio expansion. Delivered seamless banking experiences via comprehensive account maintenance and responsive transactional support. Optimized member outcomes through strategic referrals to mortgage and investment specialists, fostering cross-functional synergy.
Streamlined loan processes, reducing closure time and boosting portfolio growth while providing tailored financial solutions for diverse member needs.
Pioneered digital banking adoption strategies, significantly enhancing member engagement and fostering a tech-savvy financial community.
Managed diverse inventories, ensuring seamless office operations and resource availability. Coordinated travel logistics, enhancing efficiency and client satisfaction. Organized events and meetings, optimizing space and time management. Tracked employee leave, maintaining accurate HR records and payroll data. Reconciled credit statements, ensuring financial accuracy and compliance. Streamlined inventory management for diverse supply categories, enhancing operational efficiency and reducing waste in office resources.
Orchestrated seamless travel arrangements for staff and clients, fostering positive relationships and ensuring smooth business operations.
Meticulously tracked employee leave and employment dates, ensuring accurate reporting to HR and payroll for compliance and record-keeping.
Oversaw financial processes, prepared tax documents, and assisted with loan preparation, contributing to the organization's fiscal health.
Facilitated company events and meetings, creating productive environments for collaboration and decision-making. Spearheaded inventory optimization, reducing waste and boosting operational efficiency across diverse supply categories SALES REPRESENTATIVE – CONSUMER LENDING TEAM Nov 2015 - Jun 2019 OneMain FINANCIAL Allentown, PA
SALON MANAGER May 2008 - Sep 2012
NU AGE SALON Allentown, PA
EDUCATION
DIPLOMA Feb 1998 - 2003
San Marcos H.S Limon, Costarica
Graduated with honors
SKILLS
Microsoft Office(Experienced), Word, Excel, Outlook, PowerPoint, Mac OSX, Windows, Computer Networking, Office Management, Purchasing, Active Directory, QuickBooks, Payroll, Accounts Receivable, Bilingual, English, Spanish, Project Management, Risk Assessment, Market Research, Financial Forecasting, Communication Skills, Client Relationship Building, Regulatory Compliance, Data Entry, Customer Retention, Sales Forecasting, Team Collaboration, Budget Management, Business Development, Technical Support, Process Optimization, Customer Onboarding, Loan Structuring, Financial Literacy, Portfolio Management, Tax Preparation, Client Advocacy, Operational Efficiency, Cross-Selling, Creative Problem Solving, Negotiation Skills, Inventory Management, Sales Strategy, Risk Management, Customer Insights, Sales Enablement, Customer Segmentation, Customer Experience, Fraud Prevention, Customer Acquisition, Customer Loyalty, Brand Development, Operational Strategy, Financial Analysis, Sales Management, Customer Support, Employee Training, Financial Reporting, Business Communication, Operational Planning. Achieved sales targets by aligning financial solutions with customer needs, enhancing satisfaction. Cultivated and sustained customer relationships throughout the loan process, boosting retention. Collaborated with local businesses to expand customer base, leading to measurable growth. Managed loan life cycle, including collections, ensuring compliance with regulations. Utilized analytical skills to interpret data, proactively resolving issues and optimizing processes. Consistently exceeded sales targets and customer satisfaction metrics, driving branch performance and fostering long-term client relationships.
Applied advanced underwriting techniques to assess loan applications, ensuring optimal risk management and portfolio quality improvement.
Partnered with local businesses to expand customer base, implementing strategic outreach initiatives that significantly increased new loan originations.
Managed end-to-end loan lifecycle, from application processing to settlement, ensuring compliance with regulatory requirements and company policies.
Developed creative financial solutions tailored to individual customer needs, enhancing customer satisfaction and boosting repeat business.
Drove branch performance by consistently surpassing sales targets and customer satisfaction metrics, fostering long-term client relationships
Managed daily operations, enhancing efficiency and staff productivity. Implemented policies to improve service responsiveness and operational consistency. Organized promotions, achieving consistent quarterly revenue growth of 15-30%. Ensured high standards of customer experience and salon hygiene. Handled inquiries, maintaining strong client and staff relationships. Optimized salon operations, boosting quarterly revenue through targeted promotions and enhancing customer experience while maintaining rigorous safety standards.
Managed comprehensive daily tasks, including register oversight, inventory organization, and staff scheduling, ensuring seamless salon operations.
Implemented and refined internal policies, elevating salon efficiency and responsiveness to evolving client demands and industry trends.
Conducted thorough administrative oversight of salon services and staff, consistently monitoring and improving customer satisfaction metrics.
Facilitated effective communication, addressing inquiries from staff and clients while fostering a cohesive team environment and maintaining salon hygiene.
Spearheaded targeted promotions, driving consistent quarterly revenue growth and enhancing customer experience while upholding rigorous safety standards.
Market Strategy.
LANGUAGES
English (Proficient), Spanish (Highly proficient).
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