Juan Fletes

**** * ****** **.

Calexico, CA *****

ac4bya@r.postjobfree.com

H 760-***-**** C 760-***-****

SUMMARY:

Highly motivated and dedicated Business Administration Graduated with strong communication and leading skills that has an interest in and accounting and managing services. Has talent for proactively identifying and resolving problems and building motivated teamwork organization and with an outstanding customer service experience.

EDUCATION:

Mexico, University of Colima, Business Administration, 2002

EXPERIENCE:

BANK OF AMERICA

Relationship Manager El Centro, CA 12/2015 – 10/2017

As a Relationship Manager I was part of the face of the Bank in the financial center, bringing our products and services to life for our clients.

Be focus the majority of your time deepening customer relationships by referring customers to sales specialists and offering appropriate financial solutions and services to both individual and small business customers for example, customer’s banking, small business, mortgage and investment needs) in adherence with policies and procedures.

Engage in daily outbound calling to Bank of customers, inviting them into the financial center for an appointment, and also assist in servicing customer needs where applicable.

Report to a local market sales manager, and partner closely with financial center managers and market sales managers to ensure adherence to operational and regulatory policies and procedures.

Sell financial products (for example, credit cards, CDs, IRAs, small business loans) and open deposit accounts.

Proactively manage risk in every business, product and service transaction leveraging available tools.

Comply with all applicable banking and investment laws, regulations, company policies and procedures to serve the client’s best interest and enhance client satisfaction.

Assist, educate and train customers on how to use self-service technologies such as ATMs, online banking or mobile banking.

Leverage available resources and technologies to optimize the customer experience and serve our customers with operational excellence and accuracy

Personal Banker, Calexico, CA 07/2008 - 06/2015

Responsible for exceeding personal sales goals, and contributing towards the overall branch's sales goal performance.

Work with customers and small business clients, to build and deepen relationships by uncovering financial needs, and then making a recommendation that best fits.

Identify mortgage opportunities within my client base, and connect them with our mortgage specialist.

Schedule appointments on my calendar to have an available pipeline, for my quarter.

Train & Coach the operations team to assist with identifying opportunities; mortgages, business, cross-sell, investments Provide our circle of experts to Business clients to assist them with a particular product or service in need.

Proactively manage risk in every consumer & business transaction as we primarily serve in a Border Banking Community. Stay informed of key priorities, certifications, trainings, consumer and business updates.

Customer Service Specialist, El Centro/ Calexico, CA 01/2008 - 7/2008

Assist with directing walk-in traffic to provide a "red-carpet" customer service experience.

Responsible to identify business opportunity while sustaining customer service levels for the branch Coach Tellers to identify cross-sell opportunities and issues that required account service attention.

Interviewed customers to complete a "know your customer" analysis to identify financial needs.

Balance out lobby traffic by assisting clients with either an operational transaction, or service transaction in new accounts.

Served several job roles within the bank to assist clients with an immediate impact; sales vs. operations.

Merchant Teller, El Centro, CA 07/2007 - 1/2008

Responsible for processing all transactions for small and commercial businesses; this includes processing cash, coins, cash orders, payments, night drops, transfers, reports, etc.

Maintain and deepen the business relationship with businesses to retain and understand their business activities and business need.

Worked closely with the Business Specialist and Mgmt. to help identify business opportunities that would result in a business sale.

Acquired knowledge of the Bank's policies and procedures pertaining to the Bank Secrecy Act and Anti-Money Laundering Program (BSA/ AML).

Organized my day and worked closely with my teammates, to balance out the high traffic within the merchant department; Would go through over 200k in cash within a day.

Sr. Teller, El Centro, CA 04/2007 - 7/2007

Responsible for teller duties, while having a higher limit authority for transactions.

Identify and personally introduce top clients to a personal banker to assist with relationship banking.

Maintain an awareness of new and updated business opportunities with customers.

Refer questionable transactions to supervisor.

Monitor and maintain an approved level of cash for Tellers; review and submit excess and mutilated cash.

Assist with randomly auditing Teller cash drawers, ATMs, and cash dispensers.

Follow policies and procedures to balance risk operations; this includes processing CTR, MIS, and TRM.

Sustain productivity with daily sales goals around credit cards, new account referrals, cross-sell products and services.

Assist fellow teammates by using in-depth product knowledge to handle more complex transactions and issues.

Teller, El Centro, Ca 05/2006 - 04/2007

Accurately and efficiently process transactions such as customer deposits, payments, and cashing checks.

Assist clients in identifying complex product opportunities and connect them with business partners within the branch.

Interpret and educate clients with an array of products from the bank, to assist their personal financial needs.

Follow policies and procedures to balance risk operations; this includes processing CTR, MIS, and TRM.

Create rapport with customers to provide excellent customer service.

Handle customer inquiries and/or issues regarding their personal bank accounts; would escalate to immediate supervisor when appropriate.

Exceed sales goals by interpreting products and services from the bank that would benefit them.

REFERENCES AND ADDITIONAL INFORMATION AVAILABLE UPON REQUEST

Contact this candidate