Customer Service Personal Banker

Graciela Villalobos

***** ******* ****, ********* ** 92508 –Phone: 951-***-**** Email: **********************@*****.***

CAREER PROFILE

Professional Business Banking Specialist with more than 10 years of experience in the Financial and administration. Reliable, team-oriented, efficiently completes assignments with strong working management and organizational skills in various environment and the ability to learn concepts quickly. Effective communicator and negotiator, able to guarantee the best service at all times and a solid knowledge in the promotion and sale of products, as well as the management, analysis, integration and follow-up of credit prospects and/or specific project. Highly organized, proactive and punctual with team-oriented mentality. I can offer a solvent behavior in every situation and encourage teamwork with positive results.

SKILLS

Knowledge of Business Operations Prospecting and Networking Project Management

Customer Service and Service processes Banking Standards Financial Reporting

Sales Leadership and negotiations Professional Clients Relations Computer Skills

Focus on results/ Problem solving Coaching and Mentoring Proactive/ Team work

Fluent in English & Spanish (Native)

EXPERIENCE

Business Banking Specialist, Banking Center Manger, Senior Relation Ship Banker Oct 2011- Apr 2022

Banco Regional de Monterrey/ Banregio S.A, Torreon, Coahuila México

• Maintain and develop professional relationships with major business groups in the area, through a consultative approach to selling all of the financial group's services with high standard of effectiveness.

• Develop an effective promotional program to identify and attract business prospects, as well as determine and meet their needs for banking services such as treasury management, credit and others.

• Build a high profile image in the marketplace by utilizing internal and external promotional and networking strategies.

• Responsible for originating, as well as managing the credit process, from the beginning of the relationship with the client until the recovery of the resources.

• Responsible for maintaining the quality and profitability of assigned clients, identifying risks in a timely manner and proposing mitigating measures

• Focus on results, increasing business portfolio and grow bottom-line profitability, as well effectiveness administration and service goals.

Banking Center Manger Feb 2008- Apr 2011

BanBajío S.A, Torreon, Coahuila México

Banking Center Manger / Personal Banker Jan 2005- Jan 2008

Scotiabank, S.A, Torreon, Coahuila Mexico

• Communicate goals, plans, and assignments to achieve financial and customer service goals.

• Lead and direct customer service and sales. Motivate and coordinate with teams to sell, increase productivity by leading from the top

• Observe, coach and develop bankers in support of reaching performance objectives. Attract, retain, and enable the career development of top talent.

• Created and updated financial reports on frequent basis to present information to leadership teams

• Conduct discovery and due diligence activities with clients to meet their needs. Assist clients with concerns or questions regarding their financial services

• Develop rapport with customers, greeting customers by name, understand account ownership type and authority, being responsive and timely with correspondence a problem resolution, while displaying a caring attitude

• Support a wide range of internal clients (product, sales, client delivery, and technology) and external corporate clients.

• Ensure necessary reconciliations and audits are completed timely and accurately.

• Actively participate in banking center meetings and one-on-one coaching sessions.

• Measure and manage sales based on daily / monthly / quarterly / annual budgeted goals.

• Open accounts, assist with processing and taking loan applications. Coordinate approval or rejection of lines of credit or commercial, real estate or personal loans.

• Identified potential compliance risks and likelihood and impact of fines and penalties resulting from non-compliance while maintaining fair and equal access to financial services

• Adhere to security control for protecting branch against risk of criminal and fraudulent actions

• Strategize plans and actions to improve quality of Banking Center s service.

Personal Banker Jun 2002- Dec 2005

Scotiabank, S.A., Torreon, Coahuila Mexico

• Help Customer open un checking and savings accounts

• Assis clients in opening lines of credit

• Refer Customer open up checking savings accounts

• Resolve debt and credit issues

• Complete data-entry and administrative duties

• Use banking software to help clients make financial decision

EDUCATION

CPA Certified Public Accountant / Universidad Autónoma de la Laguna/ Torreon, Coahuila Mexico Sep. 1996

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