Sonya York
Sonora,CA
Summary
Dedicated credit and customer service professional with extensive experience in credit evaluation, lending support, banking operations, and client relationship management. Demonstrates strong analytical judgment, regulatory compliance knowledge, and the ability to resolve complex customer issues with accuracy and professionalism. Recognized for building trust, maintaining operational integrity, and supporting organizational goals through consistent performance and service excellence.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Customer Service & Credit Representative
Rollins Acceptance Company
04.2021 - Current
- Evaluate credit applications by conducting credit inquiries, reviewing credit reports, and determining approval, decline, or conditional terms.
- Maintain comprehensive knowledge of credit products, policies, and procedures to support a broad range of customer inquiries.
- Strengthen customer relationships through active listening, clear communication, and timely resolution of concerns.
- Perform and explain interest calculations and product-related financial details with accuracy.
- Partner with collections and finance teams to resolve disputes and ensure account accuracy.
- Negotiate payment arrangements while preserving positive client relationships and minimizing organizational risk.
Relationship Banker / Lead Associate
Umpqua Bank
09.2003 - 01.2020
- Built and maintained long-term client relationships through proactive outreach and financial wellness consultations.
- Ensured operational efficiency and adherence to all bank policies, regulatory requirements, and quality standards.
- Conducted needs assessments, recommended appropriate financial products, and ensured follow-through to support customer satisfaction.
- Originated consumer and small business loans, ranging from simple to complex structures.
- Opened new accounts and managed currency and financial transactions with precision and confidentiality.
- Stayed current on regulatory changes and consistently demonstrated compliance across all banking operations.
Education
General Education -
Sonora Union High School District
Sonora, Ca 01-2003
Skills
- Credit Analysis & Decisioning
- Customer Service Excellence
- Loan Origination (Consumer & Small Business)
- Regulatory Compliance
- Financial Transactions & Cash Handling
- Relationship Development
- Financial & Interest Calculations
- Banking regulations
- Professionalism
- Goal setting
- Self-motivation
- Oral and written communications
Accomplishments
- Achieved Store Associate of the Year, Greater California Region
- Top Lending Officer
- Culture Champion
- Store Diamond ROQ Recipient
- Connect Volunteer Award
Certification
- Registered Mortgage Loan Originator (MLO), NMLS #874884
- California Notary Public
Timeline
Customer Service & Credit Representative
Rollins Acceptance Company
04.2021 - Current
Relationship Banker / Lead Associate
Umpqua Bank
09.2003 - 01.2020
General Education -
Sonora Union High School District
AWARDS & RECOGNITION
Store Associate of the Year, Greater California Region, Top Lending Officer, Culture Champion, Store Diamond ROQ Recipient, Connect Volunteer Award
COMMUNITY & LEADERSHIP INVOLVEMENT
Leadership Tuolumne County, Chamber of Commerce, Columbia — Secretary/Treasurer, Sonora 49er Rotary