CHRISTIAN WINSTON
Old Bridge
Summary
Highly analytical banking professional with 5+ years of experience in financial document review, business credit management, and risk mitigation. Proven expertise in assessing the financial health of small and medium-sized businesses (SMBs) through comprehensive document analysis, compliance enforcement, and risk assessment. Demonstrated success in managing business credit processes, with a keen ability to identify creditworthiness and make informed decisions. Adept at streamlining processes and optimizing operations, with a growth mindset and systems-oriented approach, ready to excel in underwriting within fast-paced, venture-backed environments.
Overview
11
11
years of professional experience
Work History
Office Manager
Dawn’s Auto Body II
03.2024 - Current
- Oversee shop and office operations, optimizing inventory management, sales growth, filing systems, scheduling, and budgeting
- Administer payroll processing, maintain employee records, and foster effective communication among team members, customers, and vendors
- Develop and implement robust organizational systems and processes to maximize efficiency, productivity, and seamless collaboration
- Provide top-tier customer service, handling inquiries, reservations, and feedback to maintain high levels of satisfaction
Assistant Branch Manager, Assistant Vice President
PNC Bank
10.2018 - 02.2024
- Managed SMB credit applications, reviewing financial statements and business credit profiles to assess and mitigate risk
- Collaborated with internal teams to streamline the approval process, applying a systems-oriented approach to improve efficiency and compliance adherence
- Led efforts in risk management and audits, ensuring alignment with financial regulations while maintaining high levels of accuracy in credit decisions
- Drove business development, onboarding 15 new clients in 2023 and generating over $3.5 million in business loans and mortgage revenue
- Mentored branch personnel on lending practices and compliance, contributing to a 25% increase in loan production
Bank Teller
TD Bank
08.2013 - 08.2018
- Processed a high volume of transactions while maintaining a balanced cash drawer, contributing to overall branch efficiency and compliance with banking regulations
- Resolved customer inquiries and issues effectively, educating clients on bank products and services, which increased customer satisfaction ratings
- Assisted in fraud detection efforts by adhering to compliance protocols, ensuring secure handling of financial data
Education
MBA - Finance
Johnson & Wales University
12.2028
Bachelor of Art - Linguistics
College of Staten Island
12.2018
Skills
- Strong Analytical Thinking
- Positive Management Leadership
- Conflict Resolution
- Business Operations
- Compliance Reporting
- Fraud Management
- Investigative Skills
- Risk Mitigation
- Proficient in Microsoft, Excel and PowerPoint
- Compliance & Regulatory Knowledge (Reg Z, Reg B, HMDA, UDAAP, RESPA)
Accomplishments
- Generated over $3.5 million in business revenue, including $1.5 million in business term loans, $2 million in mortgage/home equity loans, and over a million in sales revenue.
- Successfully onboarded 15 new business clients YTD 2023 by utilizing various prospecting techniques, and worked with business clients to open 15 credit trade lines and 22 merchant service relationships.
- Collaborated with mortgage partners and TD Ameritrade to generate over 50 mortgage referrals and 20 investment & retirement referrals annually, being named number one in the region for the latter.
- Engaged with employees across all branches in the region to teach lending practices, increasing production by 25% since taking on the role.
Keyaccomplishmentsandcertifications
- NMLS registered, 10/01/18
- PNC Designated home lender, 03/01/19
- Notary Public State of New Jersey
- Regional Credit Champion, 2023
- Generated over a million in sales revenue and perfect CXI Employee engagement surveys
- Exceptional Satisfaction Award Winner for Central New Jersey Market quarters 1, 2, 3 and 4, 2023
- Number one in the region for TD Ameritrade investment & retirement referrals, 2022
Property & Casualty license
Currently in the process of obtaining the P&C license expected date January 2025
Timeline
Office Manager
Dawn’s Auto Body II
03.2024 - Current
Assistant Branch Manager, Assistant Vice President
PNC Bank
10.2018 - 02.2024
Bank Teller
TD Bank
08.2013 - 08.2018
MBA - Finance
Johnson & Wales University
Bachelor of Art - Linguistics
College of Staten Island
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