Ronell Pena
309-9171 Ferndale Rd, Richmond,BC
Summary
Dynamic professional with a proven track record at Beem Credit Union, excelling in customer service, lending, and risk management. Skilled in Fiserv DNA and adept at navigating various applications provided by Central1, I've successfully mentored new staff company-wide, enhancing sales by providing personalized services. Achievements include successfully completing and passing CUIC 210: Consumer and Residential Mortgage Lending and CUIC 240: Fundamentals of Personal Financial Planning with the Credit Union Institute of Canada in conjunction with Dalhousie University.
Overview
8
8
years of professional experience
Work History
Money Advisor
Beem Credit Union
09.2022 - Current
- Flexibly to switch through a variety of roles including but not limited to being a teller and advisor to being a lender in lines of credits, credit card, and mortgages.
- Actively listening to members and deep diving into covered subjects to discover new opportunities to meet targets while providing personalized solutions.
- Being flexible with work hours and different locations when needed.
- Receive and send out cash deposits for the branch when branch is over the cash limit.
- Being actively aware of and catching activities deemed suspicious and ensuring reports are written and submitted (Anti-Money Laundering, Unusual Transaction Reports, etc.).
- Learning patterns of individual members' account activities to gauge risk and ensuring KYC procedures are followed in every interaction.
- Lead or assist in the end of day balancing of the branch cash machine and treasury.
- Being able to efficiently and independently work with tight deadlines.
- Ensure due diligence and questioning is done all deposits to ensure incoming funds and conductor(s) are not involved in money laundering.
- Work closely with management team on projects and initiatives to meet and exceed personal and branch targets.
- Taking ownership of areas of expertise, sharing strategies and new information with the team.
- Assist the Risk Department in their account level audits and updating work and addressing concerns surrounding certain accounts.
- Utilizing Central1’s various applications to scan cheques and identify cheques deposited in the past, conduct and approve wire transfers, pay business taxes, etc.
- Utilizing Central1 Client Care to identify issues members may face with Member Direct such as lockouts, outages, activation, e-Transfers, etc.
- Led multiple classroom environment sessions in conjunction with the Learning and Development department to train new staff across the organization on how to use Fiserv DNA, Beem's banking system.
- Conduct activities on DNA, including but not limited to deposits, withdrawals, transfers, end of day balancing, placing account restrictions, notes, and holds.
- Give overrides for transactions not exceeding $250,000 CAD with posting authority not exceeding $500,000 CAD.
- Ensure override notes on DNA are to standard with Risk Management guidelines prior to authorizing an override.
Loan Advisor
Spring Financial
06.2022 - 07.2022
- Proactively identified solutions for customers experiencing credit issues.
- Compiled closing packages for drafting and presentation accuracy.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Determine which financial program best fits the needs of the applicant based on credit performance.
- Developed and implemented performance improvement strategies and plans for continuous improvement.
- Used critical thinking to break down problems, evaluate solutions and make decisions.
- Keep physical and digital workspace clean and organized to ensure maximal efficiency
- Listen to the needs of applicants and empathize with their situation.
- Monitored pipelines to track and log status of loans.
- Developed and maintained courteous and effective working relationships.
- Proved successful working within tight deadlines and fast-paced atmosphere while meeting set KPI goals.
- Make on the spot calculations to ensure application accuracy.
Coordinator
Marshalls
09.2021 - 07.2022
- Approach and connect with customers with humility and respect as a representative of TJX Canada.
- Lead the store's effort to meet and exceed the customer satisfaction store.
- Lead the effort to maintain a healthy workplace environment as the leader of the Social and Joy Committees.
- Respond to sales associates' calls to further assist customer with concerns and make on the spot decisions and quickly provide solutions.
- Ensure COVID-19 protocols are followed throughout the store.
- Prepared a variety of different written communications, reports and documents to improve and further ensure smooth store operation.
- Create and communicate daily plans to other coordinators and managers.
- Validate tasks and actions by associates to ensure proper procedures are followed.
- Analyze the store's needs and identify areas to capitalize on and improve to maximize volume and sales.
- Complete and meet deadlines for work assigned by management.
- Ensure proper loss prevention procedures are followed.
- Receive incoming merchandise shipments; makes sure that the warehouse team meets the receiving and processing timeline set.
- Delegate associate tasks to ensure a smooth flow of merchandise leaving the warehouse to floor.
Sales Associate
HomeSense
05.2017 - 09.2021
- Prepared interesting and innovative visual displays to grab customer interest and promote sales.
- Transported merchandise to sales floor and restocked shelves, racks and bins.
- Received morning shipments and allocated associates to run new merchandise.
- Assisted colleagues with merchandising and answering to customer concerns.
- Ensure the store meets 'door-to-floor' standards set by the timing matrix.
- Cultivated customer loyalty, promoted repeat customers and improved sales.
- Approached customer service as a means to creating meaningful and lasting connections with customers.
- Offered advice and assistance to customers, paying attention to specific needs or wants and resolving concerns.
- Check daily transactions for discrepancies during morning cash office shifts.
- Ensured registers are equipped with a balanced amount of cash and coins
- Prepared daily cash deposits from the store's previous day sales and input weekly cash orders for the registers.
Sales Associate
DSW Canada
10.2016 - 02.2017
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Solved customer challenges by offering relevant products and services.
- Engaged with customers to build rapport and loyalty.
- Helped customers locate products and checked store system for merchandise at other sites.
- Prepared merchandise for sales floor by pricing or tagging.
Education
Associate of Arts - Political Science
Kwantlen Polytechnic University
Surrey, BC09-2025
Certificate - Consumer And Residential Mortgages
Dalhousie University And CUIC
Online - Remote Learning06-2024
Certificate - Fundamentals of Personal Financial Planning
Dalhousie University And CUIC
Online - Remote Learning12-2023
High School Diploma -
Matthew McNair Secondary School
Richmond, BC06.2018
Skills
- Exceptional customer service
- Time management and multitasking
- Training, mentoring and group facilitation
- Cash handling and reconciliation
- Problem-solving skills and relationship building
- Compliance, KYC, risk detection and management
- Product knowledge and service sales
- Report generation
- Loan and credit application process
- Credit report analysis
- Microsoft Office
- Fiserv DNA
- Central1
- Salesforce
- TechLOS
- Knowledge of collection, consumer proposal, and bankruptcy processes
Timeline
Money Advisor
Beem Credit Union
09.2022 - Current
Loan Advisor
Spring Financial
06.2022 - 07.2022
Coordinator
Marshalls
09.2021 - 07.2022
Sales Associate
HomeSense
05.2017 - 09.2021
Sales Associate
DSW Canada
10.2016 - 02.2017
Associate of Arts - Political Science
Kwantlen Polytechnic University
Certificate - Consumer And Residential Mortgages
Dalhousie University And CUIC
Certificate - Fundamentals of Personal Financial Planning
Dalhousie University And CUIC
High School Diploma -
Matthew McNair Secondary School
Similar Profiles
Imaan DhillonImaan Dhillon
Personal Advisor at BEEM Credit UnionPersonal Advisor at BEEM Credit Union
Sheri McGillivraySheri McGillivray
Commercial Account Manager at Beem Credit Union Dba GFCU SavingsCommercial Account Manager at Beem Credit Union Dba GFCU Savings
Jeaneeka ChevalierJeaneeka Chevalier
Relationship Specialist at 121 Financial Credit Union/ Vystar Credit UnionRelationship Specialist at 121 Financial Credit Union/ Vystar Credit Union