Carlos Joya
Mount Rainier,MD
Summary
Adaptable professional with 11+ years of experience and a proven knowledge of productivity and performance management, operating policies & procedures, and customer service. Aiming to leverage my skills to successfully fill the Branch Manager role at your company.
Overview
15
15
years of professional experience
1
1
Certification
Work History
Branch Manager
Citizens
02.2022 - Current
- Communicated and implemented new ideas and strategies to improve sales, marketing, and staff development
- Drove deposit growth by promoting bank products and services to obtain objectives
- Stayed abreast of products and services, promotions and other company initiatives
- Implemented corporate culture through reinforcement of quality service and teamwork
- Enforced branch compliance with audit and regulatory procedures
- Established and maintained relationships with individual and business customers and provided assistance with problems these customers may encounter
- Found and attracted new business
- Promoted bank products and services to consistently meet cross-selling goals
- Created connections and developed rapport with customers to provide personalized service
- Managed direct reports to maximize productivity, efficiency, and potential
Relationship Banker
Wells Fargo Bank, N.A.
01.2020 - Current
- Demonstrated in-depth product and services knowledge, while served customers' needs
- Identified and resolved complex client service opportunities
- Performed security routines, including opening and closing branch office
- Performed regular audits of vault and teller cash with proper documentation
- Led and developed an effective team through communication, performance management and development plans
- Ensured customers are treated fairly and respectfully, adhere to the principles and values of the bank
- Reviewed branch reports regarding to our client acquisition
- Strategizing different ways to increase deposit growth, client retention, mobile engagement and our digital services
- Weekly meeting with Advisor to go over affluent client list, review customer profile to conduct customer needs assessment, meet individual needs and provide proper guidance
ADP Relationship Manager
Bank Of America
06.2019 - 12.2019
- Acted individually and within team environment to achieve branch-wide goals and activities
- Built prospect referral pipeline by leveraging referrals from internal and external sources
- Review business trends to advise customers regarding expected fluctuations
- Assist in coaching and mentoring banker representatives, identifying customer needs, encouraging customer engagement and segmentation for the purpose of referrals to the appropriate department
- Identified cross-selling opportunities, through proper customer profiling, and needs-based selling
- Complied with policies and procedures, ensuring compliance resources and training are complete, providing the necessary support to colleagues
- Led & participated in coach sales and service initiatives to drive our sales goals, met with management and colleagues to discuss opportunities, create daily/weekly plans to better assist our customers
Relationship Banker
JP Morgan Chase Bank
04.2010 - 12.2018
- Coached tellers to meet daily sales referral goals and provided excellent customer service
- Participated in branch activities including community events, call nights and promotional events
- Maintained well-developed, working knowledge of products, services and processes offered
- Participated in training programs to maintain and acquire additional job knowledge and skills
- Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
- Develop prospects from current commercial customers, referral leads, or sales or trade meetings
- Build and maintain client bases, keeping current client plans up-to-date and recruiting new clients on an ongoing basis
- Analyze financial information obtained from clients to determine strategies for meeting clients' financial objectives
- Plan activities for employees in branch to better coordinate ways to assist and strategize to uncover customer needs
- Reviewed weekly, monthly reports regarding account, credit, balance and digital service growth
- Analyzing different ways to maximize that potential
Education
Associate In Arts (A.A.) - Communication
Long Beach City College
Long Beach, Ca01.2021
High School Diploma - undefined
El Rancho High School
Pico Rivera, CA05.2007
Skills
- Customer Service Skills
- Communication Skills
- Relationship building and management
- Sales planning
- Excels in team leadership
Accomplishments
- Successfully contributed to over 7MM in investable assets in 2024.
Certification
- Series 6
- Series 63
- Life
Languages
English
Native or Bilingual
Spanish
Native or Bilingual
Timeline
Branch Manager
Citizens
02.2022 - Current
Relationship Banker
Wells Fargo Bank, N.A.
01.2020 - Current
ADP Relationship Manager
Bank Of America
06.2019 - 12.2019
Relationship Banker
JP Morgan Chase Bank
04.2010 - 12.2018
Associate In Arts (A.A.) - Communication
Long Beach City College
High School Diploma - undefined
El Rancho High School
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