Data Analyst with Finance and Banking Background

Renford G. Bernard

**** ******* *****, ****** ****, MD 20616

Cell: 202-***-****

Objective

Bloomberg, MS Office 2013, Word, Excel, PowerPoint, Windows 10, Windows 8, Windows 7, Windows NT

Utilize my professional years of experience and knowledge in Finance, Investments and Banking.

Professional Experience

9-2018 – 9-2025 Hertz Corporation, Waldorf, MD

Branch Manager

Manage operations of the Waldorf & Lexington Park Hertz locations. Coordinate automobile rentals to Hertz Customers, by daily confirmation of rental reservations.

Drive Sales by setting Daily, Weekly, Monthly & Quarterly Goals for all staff.

Delegate leadership roles to staff: Insurance, Retail & DSP Captains.

Delegate daily task for staff, calling customers to confirm rental reservations, Time, Date, and vehicle class needed. Vehicle delivery between Hertz locations, & vehicle maintenance.

10-2017 – 9-2018 LYFT Driver Washington DC Metro Area.

4-2016 – 12-2017 Wells Fargo Bank, N. A. Burtonsville, MD

Home Mortgage Consultant

Phone and face-to-face sales of Home Mortgage Products.

Initiate outbound calls to mortgage sales leads, and existing Wells Fargo Mortgage customers.

Quarterly review of existing mortgages for streamline refinance, or HARP eligibility.

Developed relationships with Real Estate Agents and Builders for sales leads.

Work with processors, underwriters, and closers to closed loan applications.

9-2014 – 4-2016 Wells Fargo Bank, N. A. Washington, DC

Personal Banker II

Face to face sales of retail banking products and services to existing customers and prospects.

Manage customer’s banking portfolio, by servicing existing account relationships and cross selling all Wells Fargo Bank, N. A. products. Cross-sell: Investment accounts, Mortgage products, Personal Loans, Insurance, & Credit Cards.

Provide a broad base of financial and credit services with the goal of acquiring 100 percent of the customer’s business.

Develop and maintain relationships with customers by building rapport, asking opened question in order to understand their financial needs.

Make daily out bound sales call to existing clients & prospects with the goal of a face-to-face meeting.

Submit cash and teller transactions on the behalf of walk-in customers.

7-2013 - 07-2014 Merrill Edge-Bank of America, Washington, DC

Financial Solutions Advisors, FSA

Primary role is to provide professional investment guidance to affluent banking customers and to organically grow and broaden their financial needs.

Connected banking customers to brokerage by having a general awareness of banking and investment products and execute referrals between banking and brokerage lines.

Developed new investments and banking business with leads generated from banking partners.

Used consultative relationship building skills to uncover customer’s financial need during face-to-face meetings at Banking Centers.

Used knowledge of financial products and services to create comprehensive financial strategies, make recommendations and close on opportunities.

Cultivated partnerships with existing banking partners.

Provided coverage for two DC branches, establish rapport with walk-in customers and educate them on our financial products.

Coached banking partners on developing leads.

1-200*-**-**** ETRADE Financial, Washington. DC Branch Office

Branch Operations Manager, 4/2010-10/2012

Liaison between Financial Consultants, and Brokerage operations and compliance.

Reviewed new and existing customer KYC, to insure objectives correspond with current investments.

Reviewed all incoming and outgoing FC and customer correspondence.

Reviewed all FC trade tickets and blotters; maintain compliance files and documents for internal audits.

Monitored FC sales activity and create detailed reports for tracking quarterly sales progress, and goals.

Initiated, and monitor Incoming ACAT transfers for high net worth customers and prospects.

Managed front desk coverage for all sales staff, developed protocol for walk-in sales opportunities.

Maintained all branch facilities, while working with external vendors and building management.

Maintained sales and service relationships with a book of customers, which focuses on retention.

ETRADE Financial, Washington. DC Branch Office

Assistant Branch Manager, Financial Consultant 6/2008-4/2010

Managed the Washington DC Branch in the absence of the Branch Manager.

Oversee the day-to-day sales progress of the branch including supervising 5-7 Sales Reps relating to sales and compliance guidelines.

Worked with new Relationship Managers on developing business plans and daily sales activities.

Established detailed compliance files for all branch correspondence, emails, stock certificates & checks.

Coordinated series of quarterly educational seminars at the Branch office.

Provided all existing employees with timely reminders of sales goals, contest, promotions and new products.

Reviewed and approve Financial Advisor Trade Tickets, KYC & Trading Blotters.

Assisted HR with interviewing, screening, and selecting new applicants

Maintained a book of 250 high net worth customers; solicit new assets from existing client base & leads.

Use Consultative Sales Skills to develop existing client base and uncover new assets.

Gave presentations to High Valued Customers and qualified leads on existing ETRADE Financial products, and services. Managed Investment Portfolios, Brokered Certificate of Deposits, Brokerage Money Market Funds & US Treasuries.

ETRADE Financial, Washington. DC Branch Office

Relationship Manager/Financial Consultant 1/2005-6/2008

Managed a book of 350 High Net Worth 250K ETRADE Securities customers.

Cross-selling ETRADE Financial Bank & Brokerage services.

Made warm call to existing customers in order to uncover external assets.

Made sales calls to prospects based on internal leads, and branch walk-ins.

Made sales presentations based on customer’s financial needs, consistently achieved sales goals.

Opened Securities and Bank accounts.

4-200*-*-**** ETRADE Bank, Arlington, VA

Relationship Manager

Solicited bank and brokerage accounts by accepting inbound calls from inquiring prospects.

Gave unscripted presentations of bank and brokerage account to prospective customers.

Provided customers with information on existing accounts, banking rates, stock quotes and market data.

Screened incoming bond center calls by advising fixed income investors of current inventory.

Ranked highest in Sales production as Relationship Manager over the 10 month existence of Club ETRADE at the Arlington call center.

5-199*-**-**** NATIONAL DISCOUNT BROKERS, New York, NY

Relationship Manager

Acted as a liaison between high-net-worth clients and other departments.

Developed and maintain close relationships with each customer, Cross sell NDB products & Services.

Processed equity, Options & Mutual Fund orders for retail customers.

Make proactive calls to customers regarding Margin buying power on a daily basis.

Researched and solved all trading and service issues or disputes.

Contacted Market Makers regarding bad executions, Settled all P&S issues.

Made none sales IPO presentations to client base. Assisted clients and prospects in establishing new accounts.

7-199*-*-**** CHARLES SCHWAB, INC., Brooklyn, NY

Registered Representative 1

Executed customer transactions, provide market and product information, resolve service concerns.

Generated and qualify leads, responsible for lead conversion and establishing rapport with customers.

Assisted customers in matching their investment needs with Schwab products and services.

Answered 50 – 100 in-bound customer call per day.

8-199*-*-**** ATLANTIC GENERAL FINANCIAL CORP., New York, NY

Financial Consultant

Heavy solicitation of individual investments products.

Researched equity products. Structured client portfolios by developing relationships and trust with each

Investor. Monitored daily progress of each investment as well as overall portfolio.

Cold call 50-100 qualified prospects per day.

9-199*-*-**** AMERICORP SECURITIES, INC., New York, NY

Financial Consultant

Solicitation of investment products to develop client base.

Monitored daily activity of individual investment portfolio.

Provided account management services.

Researched individual investment products such as stocks, bonds and mutual funds.

Made 350 – 400 out-bound sales dials per day.

10-198*-*-**** DEAN WITTER REYNOLDS, INC., New York, NY

Sales Assistant - Registered Representative

Acted as a liaison between two senior brokers and office operations.

Provided account services for large retail and institutional clients.

Advised brokers and clients on current analysis of investment products.

Developed Office Library for sales documents and prospectuses.

Prospected leads for personal client base.

3-198*-**-**** LEHMAN BROTHERS, INC., New York, NY

Cold Caller:

Initiated 250 - 400 out bound call per day, prospecting new customers for million-dollar producer.

Professional Licenses

Series 7, 63, 65 & 24

S.A.F.E Mortgage Licensed

Education

Baruch College, NYC

Business Administration

Borough of Manhattan Community College, NYC

Associate in Applied Science AAS, Business Administration: January 1990

PC Skills

Bloomberg, MS Office 365, Word, Excel, PowerPoint, Outlook, Teams, Windows 11, Windows 10, Windows NT

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