Andrzej Kaluta

• Manages the book of business of 5 Citibank branches, containing over 2200 clients with 650 million in deposits, 250 million in lending products and 350 million in investments

• Anticipates the complex financial needs of the client and offers solutions through a wide range of products, services and tools.
• Provides regular value-added engagement with clients- High touch, face-to-face meetings at client's preferred location, consistent communication, access to seminars, etc.
• Masters referral opportunities to grow portfolio. Proactively sources, acquires and expands high value customer relationship by maximizing sale and service opportunities.

• The Citigold Relationship Manager attracts, deepens and manages financial relationships with affluent clients, by connecting the clients and prospects with Financial Advisers, Financial Planners, In-house Attorneys, Insurance Specialists, Lending Officers, Business and Commercial Bankers.
• Manages the book of business containing over 1000 clients and prospects with 400 million in deposits, 250 million in lending products and 400 million in investments.
• Anticipates the complex financial needs of the client and offers solutions through a wide range of products, services and tools.
• Provides regular value-added engagement with clients- High touch, face-to-face meetings at client's preferred location, consistent communication, access to seminars, etc.
• Masters referral opportunities to grow portfolio. Proactively sources, acquires and expands high value customer relationship by maximizing sale and service opportunities.

• Utilizes customer relationship management system to provide targeted sales opportunities and proactively sell the full range of consumer and commercial products to current and potential affluent customers across multiple branches
• Skilled at building financial rapport and developing long-lasting, trusting relationships with affluent customers. Provided tailored solutions to individual situations.
• Extensive lending background. Expertise includes providing and servicing mortgage, consumer, business, and bridge loans. Experienced in promoting bank products, including various investment products

• Business portfolio manager for the mega-branch book of business consisting of 2300 business accounts, including over 500 Premier accounts with total deposit balances of over 1 billion dollars
• Responsible for the acquisition, retention and expansion of Business Banking customers in the branch. $25M new money in the last 12 months
• Responsible for driving the Business Banking results in the branch for both portfolio and non-portfolio customers by acting as the "subject matter expert" within the branch

• Interviewed clients to determine their current income, expenses, insurance coverage, tax status, financial objectives, risk tolerance, and other data needed to develop a financial plan.
• Built a book of clients, prospects’ pipeline and met sales quotas set by the company.
• Sold life insurance, mutual funds, fixed and variable annuities, disability and Long-Term Care products