Alden Redila
Fremont,CA
Summary
Driven Commercial Real Estate Portfolio Manager focused on deepening client relationships by providing superior service and support. Outgoing, affable and ambitious professional with over 6 years of experience in Commercial Lending and over 8 years of banking experience. Excellent reputation for resolving problems and improving customer satisfaction. Hard worker, quick learner, and competent at managing in a high-volume atmosphere.
Overview
15
15
years of professional experience
Work History
AVP Portfolio Manager
United Business Bank
Walnut Creek, CA
08.2021 - Current
- Communicated market developments, portfolio changes and annual performance information to clients.
- Facilitated portfolio performance review and implemented new strategies.
- Recommended investment strategies to meet client financial objectives.
- Provided strategy advice to high net worth clients.
- Developed and presented proposals for new investments.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
Commercial Relationship Specialist
Fremont Bank
Livermore, CA
01.2019 - 07.2020
- Responsible for developing and cultivating new client portfolio relationships to meet all growth goals in cultivation and retention of an established client portfolio.
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Evaluated debt ratio, loan-to-value ratios, credit scores property valuations and various other factors before presenting the loan request to credit.
- Determined credit risks by reviewing files in advance and comparing data against internal checklists and guidelines.
- Used effective sales strategies to convince clients to accept proposals, resulting in increase of more than $10MM in new business per year
- Handled 10-25 calls per day to address customer inquiries and concerns.
- Researched land, property and market values to complete estimations.
- Conducted presentations to upper management and executive teams for loan recommendations.
- Analyzed each customer's portfolio quarterly to help with maturities, renewals, refinances, or any other banking needs.
- Met with customers, agents and brokers to negotiate pricing and service delivery.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Commercial Relationship Assistant
Fremont Bank
Livermore, CA
10.2016 - 12.2018
- Responsible for assisting the Commercial Relationship Manager (CRM) in all aspects of commercial lending process, from collection of financial information and preliminary sizing of deals to supporting the closing of the loan request.
- Developed comprehensive knowledge of Commercial Loan products and credit guidelines.
- Assisted the Commercial Relationship Manager (CRM) with business development and relationship management of a loan portfolio ranging in size from $50MM to $100MM, with business, construction, and real estate borrowers.
- Responsible for updates in nCino, Enact, and other applications with data input regarding new business development calls, potential loan requests, client relationship updates, and referring potential prospects to other departments within Fremont Bank.
Usher - San Francisco 49'ers
Nelson Staffing
San Francisco, California
08.2010 - 08.2018
- Greeted over 150 + patrons a game with a smile and provided friendly, knowledgeable service while directing each ticket holders to seats and facility locations.
- Sold admission, processed payments and issued tickets.
- Provided great customer service to each fan by providing directions and recommendations to their needs.
- Maintained a watchful eye to spot fans signaling for help in a massive crowd of fans cheering at the game.
- Maintained excellent attendance record, consistently arriving to work on time.
- Reviewed tickets for authenticity and applicability to particular event.
Treasury Management Service Representative
Fremont Bank
Livermore, CA
01.2016 - 09.2016
- Responsible for supporting all Treasury Management products and service activities, including but not limited to Business Online Banking, ACH Inquires, Wire transactions, Positive Pay, and Remote Deposit Capture support.
- Responsible for outbound calls to all business clients to offer products and services to satisfy their banking needs.
- Conferred with customers about concerns with products or services to resolve problems and drive sales.
- Described and explained details about product options to inform customers and guide purchasing decisions.
- Evaluated customer information to explore issues, develop potential solutions and maintain high-quality service.
Call Center Representative
Fremont Bank
Livermore, CA
01.2015 - 12.2015
- Handled both inbound and outbound calls.
- Defuse difficult situations, interpret customer concerns and decide on best course of action to resolve pending issues while upholding company and vendor policies; maintain excellent customer relations to improve customer loyalty; ensure satisfaction by following up with customers and verifying that all issues have been resolved.
- Enhanced productivity by staying on top of call scripts and maintaining control over direction of conversations.
- Achieved and consistently exceeded revenue quota through product and service promotion.
- Educated customers on company systems, form completion, and access to services.
- Adhered to company policies and scripts to consistently achieve call-time and quality standards.
Document Imaging Specialist
Patelco Credit Union
Pleasanton, California
04.2014 - 12.2014
- Responsible for preparing, scanning, indexing, and quality assurance of documents/images being converted to electronic/digital format and ensuring daily migration of data to the current imaging system.
- Communicate daily with manager and other Document Services employees of all operational issues as well as recommended solutions to problems.
- Troubleshoots and make adjustments to equipment when necessary.
- Verified appropriateness of image quality against company standards.
- Safely and properly operated various types of imaging systems, including tape drives, CDs and software.
- Labeled and shipped records to cold storage facilities as per personnel requests.
- Received, organized and prioritized documents for scanning purposes.
Imaging Technician
Fremont Bank
Hayward, California
11.2012 - 09.2013
- Responsible for scanning documents, indexing and uploading indexed documents to Loan Origination System for processing and underwriting loan applications.
- In addition, scanning and imaging the bank documents to bank records depository system, and quality control the imaged document to ensure the correct indexed document types in the system.
- Also responsible for imaging and indexing both paper and electronic documents with the proper and correct naming convention and supporting the paperless vision of the bank.
- Checked all imaging equipment after every use to verify proper functioning
Education
A.A. Degree - Administration of Justice
Ohlone College
Fremont, CA05.2012
High School Diploma -
James Logan High School
Union City, CA06.2008
Skills
- Commercial Real Estate Analysis
- Community Relationship Building
- Customer Service
- Business Trend Identification
- Problem Solving
- Internal/External Communication
- Business Correspondence
- CRM Software
- Customer Account Management
- Calm and Professional Under Pressure
- Customer Retention Strategies
Accomplishments
- Maintained and managed a $75MM+ portfolio (2019 - Current)
- Funded ~$10MM annually in Commercial Real Estate Loans (2019 - 2021)
- Retained existing clients and increased deposit by ~$4MM (2019 - 2020)
- Attended President's Circle for top performance (2018)
- Sales Recognition Award (4) consecutive quarters (2016)
- Six Diamond Customer Service Experience Awards (2015)
Timeline
AVP Portfolio Manager
United Business Bank
08.2021 - Current
Commercial Relationship Specialist
Fremont Bank
01.2019 - 07.2020
Commercial Relationship Assistant
Fremont Bank
10.2016 - 12.2018
Treasury Management Service Representative
Fremont Bank
01.2016 - 09.2016
Call Center Representative
Fremont Bank
01.2015 - 12.2015
Document Imaging Specialist
Patelco Credit Union
04.2014 - 12.2014
Imaging Technician
Fremont Bank
11.2012 - 09.2013
Usher - San Francisco 49'ers
Nelson Staffing
08.2010 - 08.2018
A.A. Degree - Administration of Justice
Ohlone College
High School Diploma -
James Logan High School
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