Summary
Overview
Work History
Education
Skills
Timeline
Generic

JUDY KIRK

Middleton

Summary

Universal Banker knowledgeable about checking, savings and investment fund accounts and transactions. Skilled in assisting customers with accounts, transfers and banking product needs. Brings excellent communication skills combined with open and upbeat nature. Especially relatable to older customers who were learning online and mobile banking.

Knowledgeable Universal Banker equipped to handle fast-paced banking work. Serves customers with expertise in business and personal banking. Proficient in setting up accounts and selling bank products.

Overview

28
28
years of professional experience
1970
1970
years of post-secondary education

Work History

Universal Banker

CB&S Bank
Bolivar
04.1997 - 05.2025
  • Processed customer transactions efficiently and accurately.
  • Assisted customers with account inquiries and product information.
  • Promoted financial products to enhance customer engagement.
  • Opened new accounts for customers, including checking accounts, savings accounts and certificates of deposit.
  • Explained banking products and services such as checking accounts, savings accounts, loans and credit cards to potential customers.
  • Answered telephone inquiries regarding account balances, fees or general information.
  • Provided customer service to clients by answering questions, resolving complaints and processing transactions.
  • Verified customer identity through driver's license or other forms of identification.
  • Advised customers on how to use mobile banking applications effectively.
  • Cross-sold bank products such as debit cards, credit cards and overdraft protection plans to existing customers.
  • Set up new accounts and services for customers and explained important restrictions, benefits and requirements of each.
  • Assisted customers with online banking setup and troubleshooting issues.
  • Sold, upsold and cross-sold products to bank customers to achieve revenue targets.
  • Conducted outbound calls to follow up on leads generated from marketing campaigns.
  • Completed routine transfers, deposits and bill payments.
  • Assisted customers with setting up direct deposits for their payroll checks.
  • Provided guidance on establishing automatic transfers between various accounts.
  • Assisted customers by answering banking questions and recommending solutions.
  • Ordered checks, placed stop payment orders and conducted additional special services for customers.
  • Modified, opened and closed customer accounts.
  • Helped customers open and close accounts, apply for loans and make sound financial decisions.
  • Drove branch sales and portfolio growth by recommending various financial products to prospective customers.
  • Researched and resolved open items and deposit issues.
  • Put together and executed loan documents.
  • Processed general ledger tickets for expenses and fee income.
  • Coordinated with internal departments to streamline operational processes and improve customer service.
  • Ensured compliance with all regulatory requirements during the process of account opening and management.
  • Met with new clients and completed pre-qualification procedures.
  • Met or exceeded sales goals by promoting bank products and services in customer interactions.
  • Managed escalations with polite service, knowledgeable support and unsurpassed professionalism to satisfy needs and protect bank reputation.
  • Supported the implementation of new systems related to banking operations.
  • Performed fraud prevention duties by monitoring suspicious activity on customer accounts.
  • Satisfied customers by consistently delivering fast, knowledgeable services for diverse banking needs.
  • Processed deposits, withdrawals, loan payments and other financial transactions.
  • Implemented security measures to protect customer information and assets.
  • Conducted loan applications and reviewed documentation for compliance.
  • Assisted clients in setting up online banking services, enhancing accessibility and convenience.
  • Utilized banking software to update client accounts and process transactions efficiently.
  • Provided investment advice based on market trends and individual client financial goals.
  • Developed and maintained relationships with new and existing clients, enhancing customer loyalty and bank profitability.
  • Prepared official checks for customer and internal bank needs.

Education

Central High School
Bolivar, Tennessee

Some College (No Degree) - Accounting

Jackson State Community College
Jackson, TN

Skills

  • Customer service
  • Banking software
  • Account management
  • Financial product promotion
  • Compliance adherence
  • Problem solving
  • Effective communication
  • Attention to detail
  • Time management
  • Relationship building
  • Loan origination
  • Document preparation
  • Wire transfers
  • Transaction processing
  • Deposit processing
  • Electronic funds transfer
  • Loan processing
  • Customer needs assessment
  • Banking software navigation
  • Financial product sales
  • Risk management
  • Branch operations
  • Payment processing
  • Risk management policies
  • Consumer banking
  • Dual control vaults
  • Verbal and written communication
  • Self-motivated nature
  • Customer Service-oriented
  • Qualifying customers
  • Prospecting
  • Opening accounts
  • Account closing process
  • Product promotion
  • Analyzing data
  • Audit procedures
  • Inbound customer calls
  • Regulatory compliance
  • Cross-selling expertise

Timeline

Universal Banker

CB&S Bank
04.1997 - 05.2025

Central High School

Some College (No Degree) - Accounting

Jackson State Community College

Similar Profiles

CREATE PROFILE
JUDY KIRK