CHARINA RAMOS
Silver Spring,Maryland
Summary
Dedicated, responsible, well presented and experienced retail sales associate committed to providing exceptional customer service. Exceptional and intuitive interpersonal skills; highly attentive to customer needs. Self-motivated, dedicated, and hardworking individual. Enjoys working and interacting with diverse customer base. Veteran banking professional dedicated to team and business success. Knowledgeable about training employees, optimizing procedures and de-escalating challenging situations with a calm and professional approach. Analytical and detail-oriented with a demonstrated record of accomplishment in meeting sales and service goals. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
10
10
years of professional experience
Work History
Senior Banker
Bank Of America
03.2019 - Current
- Exceeded sales goals.
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products, and services.
- Discussed financial options with clients and provided informed suggestions.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Met with members to understand goals and recommend solutions to fit specific needs.
- Built and deepened productive relationships with prospective and competitive customers to drive sustained growth.
- Created and implemented strategic trading approaches.
- Worked with clients to provide competitive commercial banking solutions and retail financing plans.
- Offered competitive commercial banking solutions and retail financing options.
- Checked accounts for fraud and provided law enforcement with relevant details.
- Trained and mentored junior banking staff to maximize performance, efficiency, and compliance.
- Balanced teller drawers and ATM cash.
Branch Sales and Services Associate
PNC Bank
10.2017 - 02.2019
- Responsible for providing clarity on PNC financial packages and recommendations to address client’s short-term and long-term financial goals or needs
- Evaluate client credit worthiness and conduct a detailed analysis of financial documents for customers seeking personal, business, auto, or home lending solutions
- Stay current on PNC investment tools and regulatory policies for personal and business needs, and match up new customers with the right tools
- Engage in a proactive sales process that includes, outbound calling, appointment setting and follow-up to address the client’s financial plans
- Mentor and coach new branch employees on current standard operating procedures (SOP’s) during their probationary period
- Frequently lead daily goal setting meetings and provide directives for strategies to increase sales approach and activities at the branch to meet set targets
- Collaborate with team members in finding successful strategies to increase to increase traffic into the branch that result in new sales (Outreach and ad copy on mobile kiosks).
Teller
Wells Fargo
01.2016 - 01.2017
- Key Competencies and Skills
- Greeted customers upon entry to bank lobby
- Excellent customer service skills
- Good a problem-solving when faced with customers issues
- Strong interpersonal and oral communication abilities
- Highly skilled with math and accounts reconciliations
- Good functional analytical skills
- Made coin and cash vault deposits
- Strong leadership abilities
- Great multitasking abilities.
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
Retail Sales Associate
Macy’s Department Store
02.2015 - 03.2016
- Key Competencies and Skills
- Handling, processing and servicing customer transactions in prompt, efficient and accurate manner
- Processing credit card payments, electronic payments, checks, and cash transactions
- Accurately handling of large volume transactions
- Identifying common fraud or other irregular financial transactions
- Ability to perform accurate and timely math computations
- Keeping an accurate and secure cash register
- Building and maintaining good relationships with customers
- Independently opening and closing of department store station
- Coordinating with Sales team, promoting company products, and opening new customer accounts
Childcare Assistant Volunteer
Boys and Girls Brigade
05.2014 - 08.2014
- Organized daily tasks and recreational activities
- Read to children, and teach them simple painting, drawing, handicrafts, and songs
- Supported children's emotional and social development, encouraging understanding of others and positive self-concepts
- PNC Grow Up Great
Thrift Store Sales Retail Associate
St. Vincent DePaul Society
05.2013 - 08.2013
- Handle cash and credit sales, and close out till at the end of the day
- Provide a safe and welcoming retail environment to all customers
- Maintain current knowledge of market prices for store items, and work to ensure pricing consistency.
Education
High School Diploma -
Neenah High School
Neenah, WISkills
- Money Auditing
- Account Closing
- ATM Balancing
- Economic Trends
- Customer Transactions
- De-Escalating Conflicts
- Customer Feedback
- Billing Procedures
- Risk Management Policies
- Cash Handling
- Procedural Compliance
- Customer Satisfaction
- Banking Solutions
- Customer Relationship Management
- Inbound Calls
- Phone Inquiries
Additional Information
- AWARDS AND RECOGNITION , Recognized by Macy’s store manager for exemplary teamwork. Aug 2015 Recognized by Macy’s store manager for exemplary customer engagement. Sept 2015 Recognized by Macy’s District Manager for exceptional customer engagement. Oct 2015
Languages
Spanish
Native or Bilingual
Timeline
Senior Banker
Bank Of America
03.2019 - Current
Branch Sales and Services Associate
PNC Bank
10.2017 - 02.2019
Teller
Wells Fargo
01.2016 - 01.2017
Retail Sales Associate
Macy’s Department Store
02.2015 - 03.2016
Childcare Assistant Volunteer
Boys and Girls Brigade
05.2014 - 08.2014
Thrift Store Sales Retail Associate
St. Vincent DePaul Society
05.2013 - 08.2013
High School Diploma -
Neenah High School
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