Ardita Zajmi
Reno,NV
Summary
Well-qualified and results-oriented banking professional with over 16 years of successful experience in positions of increasing responsibility and duties. Top-performer with track record of consistently meeting and exceeding sales goals and customer expectations. Skilled at educating customers on banking products and recommending best options that meet their short term and long term needs. Team player with polished communication skills: verbal, written, interpersonal, presentations, and rapport building.
Overview
18
18
years of professional experience
Work History
AVP - Portfolio Manager - Commercial Loan Officer
Western Alliance Bank
Reno, NV
05.2022 - Current
- Manage a portfolio of diverse and complex commercial relationships within the bank's loan syndication portfolio, utilizing a high degree of critical thinking skills.
- Collaborate with in-market RM's and PM's to structure and monitor multi-bank relationships across commercial banking footprint.
- Analyze financial statements, identify market risks, and make recommendations for future investing.
- Responsible for loan structuring and pricing and cultivating current and new client relationships.
- Educated customers on variety of loan products and available credit options.
- Ensure all projects in the portfolio meet specific goals and objectives.
- Responsible for devising strategies to achieve goals and monitoring progress toward them.
- Ordered and evaluated corporate business statements.
- Interviewed applicants and reviewed financial, credit and property details for each application.
- Developed and deepened customer relationships by providing exceptional service at all stages of underwriting process.
- Oversee the management of the project portfolio which includes approving or rejecting project and program ideas.
- Responsible for getting a return on investment and meeting the goals and objectives of their organization.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Reviewed loan agreements to verify completeness and accuracy according to applicable policies.
- Stayed abreast of lending regulations, industry trends and market rates.
- Reviewed credit histories from applicants and determined feasibility of granting requested loans.
- Helped customers make decisions about loans and lines of credit based on availability, terms and benefits.
- Collaborated with company teams to expedite loan approval processes.
- Approved or denied loan applications and explained reasoning behind decisions.
- Met with applicants to obtain information for loan applications and answer questions about processes.
- Developed loan contracts and explained contract terms to clients.
- Located and suggested loan packages that met client needs and priorities.
- Set up debt payment plans based on client credit, income and assets.
- Verified client financial information to determine creditworthiness and loan eligibility.
Senior Client Relationship Manager
Umpqua Bank
Reno, NV
03.2020 - 05.2022
- Meet with applicants to obtain information for loan applications and answer questions about processes.
- Determine appropriate rate locks, issuance of disclosures, overage and underage waivers and fee waivers.
- Originate simple to complex commercial lending inside the Store.
- Originate Small Business loans as well as provides cash management solutions, such as Treasury Management and Merchant Services, payroll and ACH.
- Submit completed loan applications, including recommendations for underwriting.
- Provide expert financial advice on home equity line of credit and both educational and personal loans.
- Educate customers on variety of loan products and available credit options to promote valuable decision making.
- Develop strong partnerships with Operations Leaders, Financial Advisors, Mortgage Advisors and other line of business partners focusing on client acquisition and deepening the relationship of current clients; effectively manage those partnerships.
- Examine and verify information in loan application and closing documents.
- Cross-sell other bank services and refer customers to other departments as appropriate.
- Help clients achieve financial well-being through deep customer relationships and a thoughtful understanding of their needs, to offer the best and most appropriate personal and business financial products and services.
- Provide sales and service support to the Retail Store team and serve as the primary new account and loan originator for the store.
- Build, develop and deepen client relationships through active market profiling, and needs-based questioning to identify deposit, credit, and investment solutions to help customers achieve their financial goals. Solutions include, services and current technologies the Bank offers that are available for customer convenience.
- Educate customers on alternative channels that provide value, and then refer to appropriate lines of business.
- Establish preset appointments, deliver quality Financial Wellness Review conversations, identify needs, make recommendations and follow up.
- Assist the customer with their financial growth through savvy advice and educating the customer on alternative channels that provide value and refer to appropriate lines of business.
- Demonstrate compliance with all bank regulations and keep up to date on regulation changes. Maintain working knowledge of our policies and procedures regarding the Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations.
- Improve operations by working with team members and customers to find workable solutions.
- Work successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
- Resolve interpersonal conflicts by listening, finding common ground and building relationships. Check applicant credit, personal references and employment histories.
Relationship Banker
MUFG Union Bank
Tustin, CA
09.2018 - 03.2020
- Typical portfolio deposit $12MM.
- Manage credit process for all loans sourced by branch $5MM.
- Prospect, cold call, network and develop new business opportunities within the small business banking community, within a specific territory.
- Keep abreast of changing business trends that impact the Small Business segment and translate those trends into business opportunities.
- Responsible for generating and managing deposits portfolio and profitable loan.
- Accountable for maintaining and growing a portfolio of approximately 100 existing small business and consumer.
- Retains and strengthens current relationships and seeks to develop new small business through various channels such as cross sales and working referrals.
Personal Banker
US Bank
Orange, CA
03.2013 - 08.2018
- Proactively contact and consult with clients on regular basis to update the Needs Assessment information and to educate clients on changes in the financial industry that would affect them and the products and services.
- Proactively solicit and obtain referrals from existing clients, internal departments and community contacts.
- Conduct monthly in-house products/services seminars for branch employees. Perform the Merchandising and Marketing activities as required including functions such as: leadership support in promotional campaigns; product/service training sessions; lobby merchandising materials display.
- Accountable for the successful resolution of all customer requests.
Small Business Deposit
Bank of America
Brea, CA
02.2007 - 02.2013
- Provide exceptional customer service and solutions to complex or escalated issues related to Deposit and online banking products by providing high levels of customer treatment and seamless delivery of service, sales and/or fulfillment requests by answering calls in a contact center environment.
- Utilize relationship-building and problem resolution skills to determine the most appropriate product and/or services, while maintaining a high level of Customer Delight.
- Solve problems and investigate/resolve a wide variety of issues and requests that include gathering additional information, setting expectations, working with multiple systems and applications at the same time, partnering with other support organizations to fulfill the request.
Education
Bachelor of Science - Finance And Management
California State University - Fullerton
Fullerton, CA05.2014
Timeline
AVP - Portfolio Manager - Commercial Loan Officer
Western Alliance Bank
05.2022 - Current
Senior Client Relationship Manager
Umpqua Bank
03.2020 - 05.2022
Relationship Banker
MUFG Union Bank
09.2018 - 03.2020
Personal Banker
US Bank
03.2013 - 08.2018
Small Business Deposit
Bank of America
02.2007 - 02.2013
Bachelor of Science - Finance And Management
California State University - Fullerton
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