Financial Services Representative
Resume:
JOSE SOTO
**** * ****** ***. *** Cruces NM *****
575-***-**** ***********@*****.***
Dynamic Sales and Finance professional with a proven track record spanning both in convenience retail management, collections and consumer banking operations with 15+ years of expertise. Actively seeking Customer Service professional position where I can optimize my problem-solving and organizational skills quickly, accurately & correctly.
Experience
2/2026-10/2026 World Finance Anthony, NM
Financial Services Representative
Conducted financial needs assessments to recommend tailored checking, savings, CD, credit card, and loan products.
Exceeded monthly cross-sell and referral targets by 20% through active consultative selling.
Assessing and evaluating clients’ creditworthiness providing excellent customer service and support either in person or on the phone.
Verifying and processing loan applications explaining terms and conditions of loan agreement and assisting clients through the whole process on the process of the interview.
Collaborating with managers, district managers and other departments to finalize loans if applicable.
Working on new online applications for all prior, present and new customers filling online applications.
11/2022-12/2025 Speedway Santa Teresa, NM
Retail Customer Service
Processed high-volume customer transaction swiftly using POS hardware and barcode scanners.
Resolved customer complaints and product inquiries politely, maintaining a high satisfaction rating.
Maintained clean interior and exterior premises, including fuel islands, trash receptacles and coffee/fountain stations.
Manage daily and weekly communications with active merchandise and wholesale vendors to coordinate product deliveries, purchase orders (P.O.’s) and promotional drops.
Audited incoming freight against packing slips and purchase orders, resolving short-shipments and damaged goods claims within 24 hours.
Assisted customers with product selection while keeping floor displays and stored shelves fully stocked and clean according to visual merchandising standards always using the (FIFO) first in, first out program for rotation of product.
3/2019-10/2022 DK Delek El Paso, TX
Retail Customer Service
Promoted daily store promotions and add-on sales at checkout, increasing average transaction value.
Balanced register drawers at the start and end of shifts with zero cash shortages.
Sold lottery tickets making sure lottery slots were fully replenished continually scanning all new packs to the system making sure lottery balanced on a daily basis.
Promoted store loyalty programs and daily food specials to boost customer engagement and sales.
Keeping floor displays and store shelves fully stocked and clean according to visual merchandising standards always fronting and facing and writing off expired product.
Always gave exceptional customer service to every person walking through our store doors.
2/2016-1/2019 7-Eleven El Paso, TX
Retail Customer Service
Welcomed customers with a friendly demeanor, offering product information, and assisting them in finding items.
Operating the point-of-sale (POS) system, processing payments, handling returns, and managing customer transactions efficiently and accurately.
Collaborated with fellow team members to achieve sales targets, meet store goals, and contribute to a positive team environment.
Assisting in inventory management tasks, including receiving shipments, conductions stock counts, and reporting low stock or product discrepancies.
Maintained clean interior and exterior premises, including fuel islands, trash receptacles and coffee/fountain stations.
Balanced register drawers at the start and end of shifts with zero cash shortages.
1/2011-12/2015 HD Supply San Diego, CA
Collections Credit Specialist
Provided excellent customer service when dealing with billing inquiries and payment issues utilizing different computer programs.
Analyzing financial information and credit history to determine the credit worthiness of individuals or business accounts making sure customer knew credit reports needed to be pulled.
Ability to manage a large volume of accounts and maintain accurate records, and working all unapplied cash accounts assigned to my name.
Resolved the billing issues for 200+ customers on a case-by-case basis, which led to the collections of over $130K bringing accounts good positive standing.
Collaborated with different accounting departments to create systems for tracking and collecting payments overdue of 30,60,120 dates.
Constantly on predictive calling system on incoming calls with extensive multi-tasking.
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