Professional Objective: Banking and Sales leader with demonstrated success leading financial systems and programs. Knowledgeable about regulatory requirements and successful strategies for maintaining optimal controls. Well-organized, proactive and adaptable to dynamic conditions.
Work History
06/2019 to 10/2020
AVP, Market LeaderAllied Universal Security – Seal Beach, CA,
Managed daily operation of branch, including operations, growing and driving revenue, customer service, and security in accordance with bank's objectives, policies, and procedures.
Responsible for providing leadership and coaching to all members of branch sales team to ensure maximum performance and attainment of personal goals and improvement plans.
Developed and managed defined market business plan to increase profitability, track performance, and revise plan to optimize performance.
Managed and cultivate existing customer relationships by maintaining periodic contact to determine banking needs, financial trends, and changes in client’s condition and needs.
Managed top 100 book of clients, with emphasis on cross selling and deepening customers’ relationships through outside calling.
Responsible for calling on 10-15 business clients weekly.
Closed average of 5 small business loans per month.
Ability to make over 50 phone calls weekly resulting to 75% contact rate.
Managed over 10 different lead source, totaling to about 300 monthly in tracking numbers of dials, referrals, and sales.
Initiate, direct, and participate in outside retail and small business client development and in-house marketing programs.
Formed business partnership with other banking officers to help meet clients experience.
Produced reports on Expense and Fee Income outlining financial data to assist management with making strategic plans and operational decisions.
Facilitated monthly operational and sales meetings to ensure updates on banking products and changes.
Increased new bank relationships within local community by 15% through execution of quarterly promotions and calling efforts.
Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
Developed and delivered polished sales presentations in order to highlight product and service quality.
12/2013 to 06/2019
Financial Center ManagerFulton Bank – City, STATE,
Demonstrated high performance in sales, customer service, business development and leadership.
Responsible for coaching, hiring, counseling to meet branch needs and productions.
Generated 1.6 million in fee income for branch; triple branch's goal for quarter.
Ability to manage multi-branches intermittently.
Collaborated with internal business partners to deliver cohesive banking experience to customers.
Built and lead high-performance team focused on achieving sales and service goals.
Increased new bank relationships within 85% through execution of quarterly promotions.
Met deadlines by proactively managing individual and team tasks and implementing referrals and sales tracking process.
Produced Fee Income and Expense reports outlining financial data to assist management with making strategic sales plans and operational decisions.
Increased new bank relationships within local community by 15% through execution of quarterly promotions.
Interviewed and hired talented individuals with top-level strengths, improving organizational talent and skill set.
Increased overall annual sales 25% by incorporating several quality process improvements within branch.
Closed average of 3-4 small business loans per month.
Developed prospects for new loans with 50 cold calls weekly.
Created strategies to develop and expand existing customer sales, with 25% increase in annual sales.
Met deadlines by proactively managing individual and team tasks and implementing referral and sales process.
Ability to underwrite and approved small business loans from start to finish before bank decision to "centralized underwriting".
Identified portfolio risks resulting from client's underlying business practices, underwriting investigations or fraud exposure.
Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors when making underwriting decisions.
Analyzed business tax returns and underwriting worksheets to determine quality of small business and consumer credit requests.
Analyzed credit, income, compliance, title documents and appraisals during underwriting process.
08/2012 to 12/2013
Loan Servicing / Pre-UnderwriterFulton Mortgage – City, STATE,
Analyzed and verified accuracy of supporting employment info, appraisal, and financial documentation received.
Performed second-level review for loans recommended for denial by assisting with re-negotiations.
Examined potential loss stemming from catastrophe, severity or frequency of possible loss.
Served bankers, loan officers, internal staff and borrowers by offering alternative options and explaining credit decisions.
Calculated loan applicant debt ratios, income and terms and payments to determine financial stability of applicants and ability to repay loan.
Analyzed business tax returns and underwriting worksheets to determine quality of small business and consumer credit requests..
Verified accuracy of supporting employment info, appraisal, and financial documentation received.
Reviewed loan files for completeness, identified missing documentation and generated condition lists for applicants.
Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Education
Expected in 12/2005
Bachelor of Arts: Organizational Leadership Eastern University - St Davids, PA, GPA:
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