Sales Manager

JAVIER M I RANDA

*** ******* ****. (Cell) 305-***-****

Miami, FL 33149 ******.*******@*********.***

Business Banking • Business Development Expert • Revenue Creation

OBJECTIVE: To leverage a leadership role in business banking management with a forward thinking banking organization poised for

growth where I can fully utilize my broad spectrum of financial services experience to grow revenue and market share.

SUMMARY • Proven expertise in business development with strong capabilities in managing, building and

maintaining a book of business with a well defined track record of exceeding goals.

• Well respected for excellence in team leadership and staff development in coaching and

mentoring branch managers, junior business officers and consumer bankers.

• Recognized for excellent skills in needs based selling and conducting appropriate interviews with clients to

formulate sound advice.

• Exceptional abilities in cross selling and upselling bank products and services.

• Highly regarded for generating and sustaining a robust circle of influence in which to draw referrals.

EXPERIENCE Trijar, LLC. Delray, FL 2008 2014

Owner/Operator

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Staff hiring and development hired transmission and general automotive repair specialists providing essential

team training and mentoring.

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Significant small business network developed and nurtured a dependable and loyal source of local small

business customers.

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De Novo experience successfully opened, developed and managed a successful Aamco franchise.

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Developed new client relationships increased customer base through referrals from a network of satisfied

patrons.

Mercantil Commercebank Coral Gables, FL 2007 2008

Assistant Vice President, Corporate Banking

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Expert client development developed and maintained commercial middle market relationships for future

growth.

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Cross selling producer identified opportunities to develop new business relationships within the branch

and expanded existing client base.

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Improving asset quality performed needed financial analysis, asset valuation and loan restructuring and

pricing enhancements to improve the overall asset quality and yield of my $85MM loan portfolio.

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Innovative leader led presentations to executives of major regional companies as well as small business

leaders in market.

Achievements

• Negotiated entry into syndicated loan valued at $3B.

Scotiabank San Juan, Puerto Rico 2004 2007

Assistant Vice President, Business Banking

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Team leader responsible for the production and effectiveness for a team of four Account Managers for the

southern region of Puerto Rico.

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Commercial loan expert performed underwriting and analyzed financial statements, reviewed collateral and

processing documentation for 200+ SBA commercial loans.

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Loan examination expertise completed periodic examination of commercial loan accounts regarding direct

liability, non performance, and payment status.

Senior Account Manager 2003 2004

• Strong business network established a rich and deep source of business referrals.

• Producing team leader successfully created new business clients by leveraging cross referrals from existing and

growing client base.

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Proven sales leader bolstered profitable sales for company products and services.

Achievements

• Exceeded customer retention and new business development goals by 20%.

Account Officer 2003

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Effective small business development professional responsible for seeking small business accounts and

strategically establishing client relationships to effectively grow the book of business.

Banco Santander San Juan, Puerto Rico 1999 2003

Corporate Banker

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Accomplished Portfolio Manager provided portfolio management and customer services for clients in retail,

wholesale, and service industries.

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Bolstered Balance Sheet growth led an effective cross selling approach impacting various business loans and

deposit products.

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Complete loan responsibility held full accountability for all phases of business transactions including

negotiating, structuring, underwriting, and closing.

Achievements

Cut delinquent loans by 50% maintaining majority of accounts at less than 30 days past due.

Management Trainee 1998 1999

EDUCATION MBA Finance, Interamerican University San Juan, Puerto Rico

• BA Economics, Clark University Worcester, MA

TRAINING & Commercial Credit & Underwriting American Banking Association

CERTIFICATIONS • Community Reinvestment Act American Banking Association

• Compliance, Anti Laundering, Bank Secrecy Act, Fraud Security Protection American Banking Association

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