Summary
Overview
Work History
Education
Skills
Websites
Timeline
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CHRISTIAN GONZALEZ JR.

Lynn,MA

Summary

Experienced AVP Business Banking Officer with a proven track record of managing a $40M+ portfolio, driving loan and deposit growth, and building strong commercial banking relationships. Skilled in Loan structuring,renewals,modifications,and compliance. Adept at identifying business opportunities, nurturing client relationships, and delivering tailored banking solutions that align with customers financial goals.

Overview

13
13
years of professional experience

Work History

AVP Business Banking Officer

Brookline Bank
08.2021 - Current
  • Manage a portfolio of $20M in Loans and $20M in deposits, serving a diverse base of small to mid-sized businesses.
  • Generate new business by proactively identifying and acquiring new lending relationships, contributing ti portfolio growth and bank profitability.
  • Structure and present loan requests, including CRE, C&I, and SBA deals, ensuring sound credit underwriting and alignment with policy.
  • Lead all aspects of loan portfolio management: annual reviews, renewals,modifications, and covenant monitoring to ensure portfolio health.
  • Support clients with treasury management, and other bank products to deepen relationships and enhance customer retention.

Small Business Relationship Manager

Santander Bank
01.2019 - 01.2021
  • Managed a portfolio of commercial relationships ranging from $500K - $5 million in gross annual revenue that require financial services and products to meet their need.
  • Developed credibility and demonstrated the ability to dialogue with a variety of client contacts including business owners, treasurers, CFO’s and CEO’s regarding topics such as the client industry, alternative capital structures and general business issues.
  • Partnered closely with other lines of business. FC, Merchant, Cash Management Partners to ensure teamwork and enhanced client experience.

Senior Small Business Consultant

Bank of America
01.2017 - 01.2019
  • Managed portfolio within surrounding cities in Everett that included Chelsea.
  • Working with 4 COI’s in the area who I consistently meet with to help target clients/industries.
  • Effectively managing my time with call blocks and portfolio management.
  • Leading a team of partners, Merchant, investments, and complex lending to do what is right for the client and also leveraging one another to satisfy client’s need.

Relationship Manager

Bank of America
01.2015 - 01.2017
  • Top Performer with sales for consecutive quarters since hire date. Number 35 out of 7451 in my role country wide. Recognized and awarded multiple times by managers ranging from current Financial Center Managers – Executive Level
  • Train new hires to have a successful career by instilling a one of a kind work ethic early on.
  • Extensive Knowledge of consumer banking products/services and Small Business products offered including skills and focus on merchant services, lending/loans and cash flow cycles
  • Constantly managing my own portfolio of clients, outbound emails or calls and a one of a kind follow up.

Universal Banker

Citizens Bank
01.2013 - 01.2016
  • Top 10 Revenue Generator in the region.
  • Train new hires to have a successful career by instilling a one of a kind work ethic early on.
  • Extensive knowledge of consumer banking products/services and small business products offered including skills and focus on merchant services, lending/loans and cash flow cycles.

Education

Associates Degree - Business

Bunker Hill Community College
Boston, MA
05.2013

Skills

  • Proficient in English and Spanish communication; intermediate Portuguese skills
  • MS Word, PowerPoint, Excel, Sales force, CMC
  • Detail oriented
  • Analytical problem solver
  • Strong critical thinking
  • Portfolio management

Timeline

AVP Business Banking Officer

Brookline Bank
08.2021 - Current

Small Business Relationship Manager

Santander Bank
01.2019 - 01.2021

Senior Small Business Consultant

Bank of America
01.2017 - 01.2019

Relationship Manager

Bank of America
01.2015 - 01.2017

Universal Banker

Citizens Bank
01.2013 - 01.2016

Associates Degree - Business

Bunker Hill Community College

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