Karen Nacional

Experienced branch operations and financial services professional with more than nine years of progressive experience at Palawan Pawnshop / Palawan Express Padala. Skilled in branch administration, pawn appraisal, cash handling, remittance processing, foreign exchange, inventory control, customer service, staff supervision, sales monitoring, daily balancing, reporting, and compliance. Proven ability to manage day-to-day branch operations, support team performance, resolve customer concerns, and maintain accurate and secure transaction processes.

Branch Head / Branch Appraiser at Palawan Pawnshop / Palawan Express Padala - Paragua Pawnshop Financial Services Inc. (2017-01 – 2026-08)

• Managed daily branch opening and closing procedures, ensuring the branch was clean, organized, secure, and ready for customer transactions.
• Oversaw day-to-day branch operations, including transaction processing, cash control, inventory monitoring, vault custody, customer service, and operational compliance.
• Processed pawn transactions, local and international remittances, foreign exchange transactions, and auxiliary products accurately and in accordance with company procedures.
• Appraised jewelry and other valuable items by assessing their condition and value to support pawn transactions and appropriate lending decisions.
• Served as vault custodian and handled cash-related responsibilities, including daily balancing, basic accounting, reconciliation, and branch reporting.
• Trained, mentored, and supervised coworkers, providing day-to-day guidance and monitoring performance to support consistent branch operations.
• Resolved customer complaints and transaction concerns professionally, helping maintain a positive customer experience and effective service delivery.
• Monitored branch sales, profit, and growth targets and supported the development of strategies and daily activities aimed at achieving business objectives.
• Maintained branch inventory and safeguarded accountable items, cash, and other valuables through proper control and security procedures.
• Ensured branch operations complied with applicable legal requirements, internal policies, security standards, and established operating procedures.

Bachelor in Business Management, Major in Marketing – Cavite State University - Cavite City Campus (2012 – 2016)

Vocational Studies – Datacom Institute of Computer (2011-11 – 2012-02)