Athol Tulloch
Tampa,FL
Summary
Determined banking professional eager to apply financial knowledge and sales negotiation skills. Collaborative individual communicates with tact and diplomacy to internal and external customers. Researches and pursues new sales prospects to build strong base of clientele. Energetic Banker with expert relationship-building, sales and money-handling abilities. Multitasks smoothly to handle customer and bank staff needs. Reliable in maintaining accurate drawer and preventing fraudulent transactions.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Senior Relationship Banker
BMO Harris Bank
01.2019 - 01.2024
- Engaged customers in meaningful conversations to identify financial needs, recommending suitable consumer and small business products, services, and digital solutions
- Opened and serviced complex small business and personal accounts
- Conducted needs assessments to recommend tailored financial solutions, including everyday banking, retail investments, lending solutions, and home financing
- Originated, processed, and closed home equity loans and lines of credit to meet quarterly sales goals
- Referred business to financial advisors and business partners based on customer needs
- Offered clients advice on digital and self-serve banking options, making banking easy, simple, and fast
- Conducted outbound sales calls and teleconsulting
- Modeled leadership in the banking center lobby, proactively serving as a role model for client service and coaching sales activities
- Cultivated professional relationships with customers, listening to their needs and displaying empathy
- Demonstrated integrity, trustworthiness, and professionalism consistently
- Actively promoted teamwork, leading by example and assisting others
- Completed essential training and embraced continuous learning, accepting feedback from more experienced team members
- Engaged customers to grow BMO's business by generating appointments and building new relationships within the community
- Addressed questions and resolved issues raised through credit audits and quality checks, ensuring compliance with legal and regulatory requirements
- Applied the risk management framework to protect the bank's assets and maintain portfolio quality
- Made credit recommendations for personal lending transactions, including home financing, in line with sound credit principles
- Acted as a key member of a collaborative branch and market team
- Integrated marketing promotions and programs into customer conversations to provide strategic advice
- Organized work information to ensure accuracy and completeness
- Took initiative in finding creative approaches to enhance customer experiences
- Contributed to business results and the overall branch experience
- Worked at multiple branches based on market needs, with a varying work schedule
- Followed risk and compliance processes to safeguard customers' assets and maintain privacy.
- Increased cross-selling opportunities through identifying clients'' needs and recommending appropriate banking products.
- Supervised daily branch operations to ensure efficiency, compliance, and a positive customer experience.
- Provided support during audits by ensuring accurate documentation was maintained for all client interactions.
- Resolved complex customer issues, resulting in increased trust and loyalty among clients.
- Mentored junior Relationship Bankers, sharing best practices for success in the role.
- Leveraged CRM tools effectively to track client interactions and manage ongoing relationships efficiently throughout each engagement cycle.
Personal Banker
Wells Fargo
01.2017 - 01.2019
- Gained experience in handling various procedures on banking software
- Conducted full financial reviews and offered credit products based on customer needs
- Addressed and resolved complex customer issues, including filing complaint logs
- Followed up on customer referrals and contact events
- Successfully met various performance objectives
- Assisted multiple branches throughout Wisconsin as a temporary banker
- Completed two consecutive yearly branch audits, one as a teller and the other as a banker
- Built meaningful, lifelong relationships with customers
- Followed policies, procedures, and regulations to ensure compliance
- Identified potential fraud/risky accounts and took appropriate action to prevent loss
- Interacted with integrity and professionalism with customers and team members
- Partnered with Wells Fargo Advisors and Mortgage Officers for customer referrals
- Registered as a Wisconsin State Notary
- Promoted to Business Banker.
Skills
- Cash Flow analysis
- Loan Origination
- Portfolio Management
- Wealth Management
- Commercial Lending
- Cross-selling techniques
- Creative Thinking
- Cash Handling
- Customer Service-Oriented
- Teller Support
- Community Relations
- Financial Services
- Loans
- Sales expertise
- Problem-Solving
- Honest and Dependable
- Time Management
- Multitasking
- Excellent Communication
- Banking
- Product and Service Sales
- Written Communication
- Vault Monitoring
- Fraud Detection
Nmls
1743821
Certification
- Life Insurance License
- Certified Notary Public
Timeline
Senior Relationship Banker
BMO Harris Bank
01.2019 - 01.2024
Personal Banker
Wells Fargo
01.2017 - 01.2019