Destiny Vernon
Ruffin
Summary
Relationship Banker experienced in banking and finance. Built positive relationships with members, achieved sales goals, and delivered exceptional customer service through strong communication and interpersonal skills. Led teams to maintain high standards in production and foster effective communication.
Overview
1
1
Certification
9
9
years of professional experience
Work History
Relationship Banker
Truliant Federal Credit Union
07.2025 - Current
- Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Strengthened member relationships by providing personalized banking solutions and excellent customer service.
- Identified member needs and recommended tailored financial solutions, enhancing cross-selling success.
- Maintained up-to-date knowledge of banking products to provide expert advice to members effectively.
- Maintained in-depth product and service knowledge for well-informed member advice.
- Facilitated member transactions, including deposits, withdrawals and transfers.
- Resolved conflicts effectively, achieving positive outcomes for members and enhancing institutional reputation.
- Fostered a positive working environment by actively participating in team meetings and supporting colleagues in their professional development.
- Participated in community events to promote credit union services, increasing visibility and engagement with potential members.
Lead Relationship Banker
Truliant Federal Credit Union
01.2023 - 03.2025
- Resolved member complaints and disputes to maintain satisfaction and loyalty.
- Collaborated with branch team members to improve overall performance and achieve goal targets consistently.
- Cultivated strong member relationships by providing tailored advice and services.
- Supported the Branch Manager with daily tasks, ensuring smooth branch functioning and effective communication amongst team members.
- Trained and developed new team members in alignment with branch service standards and objectives.
- Supervised and evaluated staff to help improve skills, achieve daily objectives, and attain advancement.
- Trained and mentored new employees, fostering a positive work environment that led to higher retention rates.
- Coached and developed branch staff by offering constructive feedback improvement opportunities.
- Assisted in creating a welcoming branch atmosphere by maintaining cleanliness, organization, and visually appealing displays of promotional materials.
Relationship Banker
Truliant Federal Credit Union
10.2022 - 01.2023
- Achieved excellent member satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Strengthened member relationships by providing personalized banking solutions and excellent customer service.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to members effectively.
- Assisted members in achieving financial goals by recommending suitable products and services based on their needs.
- Collaborated with branch team members to improve overall performance and achieve sales targets consistently.
- Analyzed members' financial information to deliver personalized account guidance.
- Maintained in-depth product and service knowledge for well-informed member advice.
- Streamlined account opening processes, reducing wait times and improving overall member experience.
- Educated members on various loan options, guiding them towards informed decisions that fit their financial goals.
- Collaborated with other departments to promptly process loan applications.
Teller
Truliant Federal Credit Union
08.2018 - 10.2022
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed member transactions promptly, minimizing wait times.
- Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
- Answered member inquiries regarding account balances, transaction history, services charges, and interest rates.
- Improved member satisfaction by providing efficient and accurate transaction processing.
- Streamlined teller operations by maintaining organized workspaces and adhering to policies and procedures.
- Supported team members in achieving branch goals through collaboration, communication, and shared responsibilities.
- Provided training to new tellers on bank procedures, systems, and customer service best practices.
- Maintained high accuracy in financial transactions, ensuring all cash and documentation were correct.
- Executed wire transfers, stop payments and account transfers.
- Referred member to other banking departments for specialized services.
Sales Associate
Shoe Department
04.2017 - 12.2020
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Handled cash transactions efficiently while adhering to company cash handling policies, ensuring accuracy in all financial exchanges.
- Built relationships with customers to encourage repeat business.
- Managed returns, exchanges and refunds in accordance with store policy.
- Helped customers locate products and checked store system for merchandise at other sites.
- Provided positive first impressions to welcome existing, new, and potential customers.
- Assessed customer needs and utilized suggestive selling techniques to drive sales.
- Minimized wait times for customers during peak hours, maintaining a high level of customer satisfaction.
- Contributed to visual merchandising efforts by creating eye-catching displays that showcased products effectively and enticed shoppers to make purchases.
- Provided training to new staff on sales techniques and store procedures, ensuring consistent customer service experience.
- Engaged in friendly conversation with customer to better uncover individual needs.
- Listened to customer needs and desires to identify and recommend optimal products.
- Delivered energetic responses to customers in-store and by telephone, going above and beyond to serve needs.
Education
High School Diploma -
Rockingham County Highschool
Wentworth, NC06.2018
Skills
- Relationship building and management
- Customer Service-oriented
- Sales expertise
- Teller Support
- Lending
- Team Development
- Cash handling
- Cross-selling products
- Staff Development
- Strong leadership
- Team Player
- Goals and performance
Certification
- Notary Public
- Medallion Stamp Certified
Timeline
Relationship Banker
Truliant Federal Credit Union
07.2025 - Current
Lead Relationship Banker
Truliant Federal Credit Union
01.2023 - 03.2025
Relationship Banker
Truliant Federal Credit Union
10.2022 - 01.2023
Teller
Truliant Federal Credit Union
08.2018 - 10.2022
Sales Associate
Shoe Department
04.2017 - 12.2020
High School Diploma -
Rockingham County Highschool