BRIAN Y. FERNANDEZ
West Melbourne
Summary
Dynamic Relationship Manager with PNC Bank, excelling in client relationship management and financial analysis. Achieved over $5M in loan applications within a quarter, while expanding the client portfolio from 65 to 165. Skilled in risk evaluation and fostering strong business development, driving significant revenue growth through proactive engagement.
Overview
21
21
years of professional experience
1
1
Certification
Work History
Relationship Manager
PNC Bank
Rockledge
03.2022 - Current
- Developed and managed commercial loan and client portfolio, focusing on C&I loans, OOCRE, SBA, and equipment loans.
- Grew client relationships through cross-selling treasury management services and payment options.
- Generated over five million in loan applications during first quarter of 2025, driving revenue growth.
- Increased client portfolio from 65 clients in 2022 to over 165 clients by 2025.
- Conducted analysis of financial statements and credit reports to assess client creditworthiness, enhancing risk management.
Branch Manager
Launch Credit Union
Melbourne
07.2019 - 03.2022
- Strategically planned branch and team operations to achieve company goals.
- Led and motivated branch team daily to exceed performance targets.
- Communicated performance results while tracking progress towards objectives.
- Developed procedures ensuring compliance with policy and procedural guidelines.
- Conducted market analysis to strengthen business development and brand presence.
- Managed team members, fostering an environment for optimal performance and profitability.
- Identified process improvement opportunities to enhance operational efficiency.
- Provided guidance on problem resolution and customer service issues.
East Coast Leader
Bishop Beale Duncan Commercial Real Estate
Melbourne
01.2018 - 01.2019
- Company Overview: large commercial real estate firm based out of Orlando, FL
- East Coast Leader for large commercial real estate firm based out of Orlando, FL
- Specialized in all aspects of commercial real estate from developing new sites to sales and leasing of existing buildings
- Negotiate sales and lease contracts and examine the credit worthiness of the business client
- Proactively develop new business clients and create deeper relationships
Commercial Realtor
Lightle, Beckner, Robison Inc.
Melbourne
01.2014 - 01.2018
- Assisted clients in locating suitable non-residential properties for business operations.
- Analyzed market demographics and financial feasibility of sales versus leasing options.
- Maintained relationships with business owners, managers, and banking professionals.
- Proactively generated new client leads through cold-calling and networking.
- Reported property marketing activity to owners and landlords for transparency.
- Discussed building maintenance costs and renovation possibilities with clients.
- Maintained current knowledge of Brevard commercial sales and leasing trends.
- Advised clients on market conditions, pricing strategies, and legal requirements for transactions.
Small Business Banker
Bank of America
Melbourne
01.2013 - 01.2014
- Prospected and developed small business clients generating sales from $250,000 to $5M.
- Utilized consultative sales techniques to identify credit opportunities.
- Collaborated with five banking centers, coaching managers and personal bankers on small business offerings.
- Delivered Merchant Services and treasury management solutions to enhance client operations.
- Reviewed applications for commercial credit facilities, ensuring document accuracy.
- Analyzed competitors and market trends to drive strategic business growth.
Branch Manager
Wachovia/Wells Fargo
Indialantic
01.2009 - 01.2013
- Managed retail sales and service functions to enhance operational efficiency.
- Achieved branch production goals with a 200% increase since assuming role.
- Led and motivated employees to exceed sales and customer satisfaction targets.
- Developed business objectives and staffing models to optimize performance schedules.
- Trained and coached sales team, fostering a culture of teamwork and collaboration.
- Maintained customer service metrics between 90% and 100% consistently.
- Addressed total financial service needs to drive customer loyalty and retention.
Small Business Financial Specialist
Wachovia
Melbourne
01.2004 - 01.2009
- Cultivated and maintained banking and business relationships within community, focusing on $0-$3 million range.
- Assessed small business financial needs related to bank products and services.
- Provided lending and merchant services tailored to client requirements.
- Prepared detailed financial projections for small business owners pursuing SBA assistance.
- Developed marketing strategies to enhance customer base and revenue for small businesses.
- Researched complex issues in commercial lending to support informed decision-making.
Education
Associate of Science - Business Administration/Finance
City College
Gainesville, FL01.1999
Some College (No Degree) - Communications
Army/National Guard
Palm Bay, FLSome College (No Degree) - Business Management
Florida Metropolitan University
Melbourne, FLSkills
- Client relationship management
- Financial analysis and market assessment
- Risk evaluation and loan origination
- Business development and project management
- CRM tracking and portfolio oversight
- Problem-solving and multitasking skills
- Reliability and credit evaluation
Hobbies and Interests
- Anything sports related
- Surfing
- Fishing
- Traveling
- Coaching girls fast pitch softball
Professional Organizations
- Junior Achievement of the Space Coast, Volunteer and Board Member
- Indialantic Rotary, Member and Secretary
Affiliations
- Junior achievementBoard member
- Indialantic Rotary member
Certification
- State of florida real estate license
- Multiple Advanced Commercial credit trainings from Large banks that i have worked for
References
References available upon request.
Timeline
Relationship Manager
PNC Bank
03.2022 - Current
Branch Manager
Launch Credit Union
07.2019 - 03.2022
East Coast Leader
Bishop Beale Duncan Commercial Real Estate
01.2018 - 01.2019
Commercial Realtor
Lightle, Beckner, Robison Inc.
01.2014 - 01.2018
Small Business Banker
Bank of America
01.2013 - 01.2014
Branch Manager
Wachovia/Wells Fargo
01.2009 - 01.2013
Small Business Financial Specialist
Wachovia
01.2004 - 01.2009
Associate of Science - Business Administration/Finance
City College
Some College (No Degree) - Communications
Army/National Guard
Some College (No Degree) - Business Management
Florida Metropolitan University
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