Monica Cardenas
Harvard
Summary
Dynamic professional with extensive experience at The Harvard State Bank, excelling in customer service and relationship building. Proven ability to streamline loan processes and enhance client satisfaction through effective communication and critical thinking. Skilled in payment processing and data entry, ensuring compliance and operational efficiency. Fluent in Spanish, fostering inclusive client interactions.
Overview
10
10
years of professional experience
Work History
Closing/Funding Coordinator
The Harvard State Bank
Harvard, IL
11.2024 - Current
- Assisted loan officers in gathering required documentation.
- Coordinated scheduling of meetings between clients and loan officers for consultations.
- Coordinated with loan officers to optimize the pre-approval process, resulting in a smoother overall experience for clients.
- Answered inquiries and provided superior customer service to clients.
- Communicated with customers daily to request information and complete paperwork.
- Set up files using loan officer checklist and submitted on-time for processing.
- Provided comprehensive administrative support to Loan Officers so they could focus on building relationships with clients and generating new business opportunities.
- Locking in rates for FMNA, in-house and commercial loans.
- Post closing creating the loan into CSI Nu-Point.
- Ordering thirds, flood determinations and appraisals.
- Sending out appraisal quotes and meeting with loan officer to give the customer the best option.
Loan Administrator
The Harvard State Bank
Harvard, IL
01.2021 - 11.2024
- Answer customer calls regarding their loans and servies we provide.
- Managed loan servicing operations, ensuring compliance with regulatory requirements and company policies.
- Coordinated communications between borrowers and lenders, resolving inquiries and facilitating timely responses.
- Supervised team members in daily tasks, fostering a collaborative environment to improve service delivery.
- Processing one time and reoccurring ACH payments.
- Reviewing daily loan reports to ensure accurate processing of payments.
- Yearly escrow analysis review of loans that escrow.
- Reviewing insurances are current.
- Pay insurance premiums if loan escrows.
- Forced-place insurance on loans that fail to provide insurance.
Bank Teller
The Harvard State Bank
Harvard, IL
08.2019 - 01.2021
- Processed customer transactions efficiently, ensuring accuracy in cash handling and record-keeping.
- Assisted customers with inquiries, providing knowledgeable support for banking products and services.
- Maintained compliance with regulatory policies, safeguarding sensitive information and financial data.
- Trained new staff on operational procedures, enhancing team performance and service quality.
- Mentored junior tellers on best practices for transaction processing and customer engagement techniques.
- Managed high-volume transactions during peak hours while maintaining attention to detail, ensuring seamless customer experience.
- Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
- Balanced cash drawers accurately at the end of each shift, minimizing discrepancies in financial records.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Counted and packaged currency and coins.
Pharmacy Technician
Walgreens
Harvard, IL
10.2016 - 03.2019
- Dispensed medications accurately and efficiently, ensuring compliance with pharmacy regulations.
- Assisted in managing inventory levels, optimizing stock replenishment processes.
- Provided exceptional customer service, resolving inquiries and concerns promptly.
- Trained new employees on pharmacy procedures and safety protocols, enhancing team performance.
- Collaborated with pharmacists to conduct medication reviews and prevent drug interactions.
Customer Service Associate
Walgreens
Harvard, IL
08.2016 - 10.2016
- Resolved customer inquiries efficiently to enhance satisfaction and loyalty.
- Assisted in training new associates on operational procedures and customer service standards.
- Processed transactions accurately using point-of-sale systems to ensure seamless customer experiences.
- Maintained store inventory levels through regular stock checks and effective organization strategies.
Team Member
McDonald's
Harvard, IL
09.2015 - 08.2016
- Delivered exceptional customer service in fast-paced environment, ensuring satisfaction and repeat business.
- Operated point-of-sale systems accurately, processing transactions efficiently to minimize wait times.
- Collaborated with team members to maintain cleanliness and organization of dining and kitchen areas.
- Assisted in training new staff on company protocols and food safety standards, promoting workplace efficiency.
- Handled food preparation tasks following strict safety guidelines, contributing to quality assurance efforts.
Education
High School Diploma -
Harvard High School
Harvard, IL05-2016
Skills
- Customer service
- Active listening
- Critical thinking
- Data entry
- Customer relations
- Relationship building
- Payment processing
- Filing
- Spanish
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Closing/Funding Coordinator
The Harvard State Bank
11.2024 - Current
Loan Administrator
The Harvard State Bank
01.2021 - 11.2024
Bank Teller
The Harvard State Bank
08.2019 - 01.2021
Pharmacy Technician
Walgreens
10.2016 - 03.2019
Customer Service Associate
Walgreens
08.2016 - 10.2016
Team Member
McDonald's
09.2015 - 08.2016
High School Diploma -
Harvard High School