Educated, qualified and resourceful financial professional with diverse expertise in the Banking Industry seeks position in a rising company where I can grow and become an asset.
Excellent communication skills
(MS Windows, Excel and Office Products)
Excellent time management skills
Excels in team leadership
Excellent work ethic
Expert in risk management
Received an internal audit score of 100%.
Created strategies to develop and expand existing customer sales, resulting in a 85% increase in annual sales.
Mortgage loan Officer October 2014 to October 2015Bank of America － Annapolis Bowie, MD
Communicated regularly with management regarding portfolio performance and new Loan transaction quality and analyzed financial information obtained from clients to determine strategies for meeting clients' financial objectives.
Actively working with clients in the banking centers to originate and generate new mortgage loans, processing refinancing and Home equity line of credit.
Responsible in building Alliance with Builders and Real Estate brokers with Bank of America.
Provides information to sales staff on current mortgage rates, loans programs and qualification of buyers assist in potential sales and also interviews loan applicants to gather specific information relative to credit, employment, and financial history.
Ensure loan applications are complete and accurate according to policies and procedures and continuous monitoring risk accounts on a weekly, monthly, quarterly and annual basis.
Complied with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Maintained confidentiality of bank records, client information and analyzed applicants' for financial status, credit and property evaluation to determine feasibility of granting loans.
Educated customers on the variety of loan products and available credit options.
Senior Personal Banker September 2013 to October 2014Bank of America － Bowie, Maryland
Top performer for the months of October, November 2013 and exceeding in deposit goals by 360% while selling, serving and sustaining clients, exceeded 100% or better in all 5 categories each quarter for 2 years.
Customer service scores improved resulting in the branch being number one in the region.
Increased core deposit growth by 85% of annual goal with cross-selling personal products - new credit cards account, CD's, Checking/saving accounts, mortgage, loans and business investment
Assisted account department in managing and balancing accounts while participating in various staff meetings and recommended changes to better serve customer.
Administered bank operations and ensured compliance to safety and security regulations.
Provides expert financial advice to customers on their account inquiries on banking products and services
Created strategies to expand existing customer sales, which resulted in a 80% increase in annual sales.
Maintained confidentiality of bank records and client information.
Personal Banker May 2011 to September 2013Bank of Aerica － Bowie, MD.
Responsible for offering and selling financial products and services to both individual and small business customers (e.g. Credit Cards, CDs, IRAs, small business and mortgage loans).
Act as the financial liaison to customer/clients for building, deepening, and retaining long term relationships while providing excellent customer service.
Complies with regulatory requirements including Bank Secrecy Act, Anti-Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
Responding to customer inquiries, concerns and creating customized solutions, recognizing and identifying opportunities to introduce customers' specialists to business partners such as Mortgages, Small Business Loans/lines of Credit, Merchants Services and Investments ( Merrill Edge).
Monitoring and tracking daily/weekly sales activities to ensure accountability.
Obtaining referrals from customers as a means of expanding customer's network.
Meeting and exceeding consumer and small business client goals with the utmost of accuracy and highest ethical standards.
Executing sales tactics, activities and processes, as appropriately leveraging available resources and technologies in managing risk in every business products using the recommended tools.
Teller Operations Manager July 2008 to May 2011Bank of America － Crofton, MD
Led a team of 5 full-time employees.
Provides quality customer service by resolving complex service issues or referring to appropriate associate to guarantee customer satisfaction and retention.
Demonstrates core values in all actions and provides an excellent experience for the customer through referrals to teammates and specialists making the financial lives of our customers better.
Processed transactions accurately and efficiently in accordance with established policies and procedures which help to reduce lost by 38%.
Driving day-to-day operational excellence on the teller line, ensuring compliance and procedural requirements were met.
Led initiative to coaching and training the teller team to process transactions accurately and efficiently in accordance with established policies and procedures and creating a positive team environment in the banking center by modeling appropriate behaviors and developing the annual branch business plan for maximum profitability and effectiveness.
Actively involved in recruiting and overseeing training for all new branch employees.
Bachelor of Science : Business Administration and Human ResoursesUniversity of Maryland University College － Largo, Maryland, United States of America
Business Administration: Coursework
in Finance, Economics and Business Administration.
Skills Efficient: Competent, capable, able to get results.
Energetic: Active, full of life, vigorous, an energetic worker.
Analytical: Employing analytic methods; separating things into their parts of elements.
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Companies Worked For:
Bank of America
Bank of Aerica
University of Maryland University College
Job Titles Held:
Mortgage loan Officer
Senior Personal Banker
Teller Operations Manager
Bachelor of Science : Business Administration and Human Resourses
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