Christine Morales

• Strong knowledge of all bank products and services, to include features and benefits
• Present various options and suggestions that best fit the needs of each client
• Participate in bank's referral and sales programs, sales campaigns, and sales training in order to meet specific goal expectations on a weekly, monthly, quarterly and/or yearly basis
• Coordinate daily with Branch Manager regarding sales and service operations
• Coach tellers to meet their daily sales referral goals and provide excellent customer service
• Prepare necessary documents to open new accounts and maintain accounts based on client's specific needs
• Assist clients with loan-related questions and processes
• Prepare loan clients for what to expect during the loan application process and uncover opportunities for further exploration
• Prepare contracts; renew IRA Certificates and all related IRA transactions
• Knowledge of competing bank's products, promotions, and operations to effectively make recommendations to gain strength within that market
• Make outbound sales calls to current and prospective clients.

• Oversaw the operations and team of a $12 million P&L
• Led matrix teams (of about 43) to drive direct and indirect sales
• Selected amongst top 20 store sales managers in the country to participate in LEAD
• (Executive level mentorship program)
• Collaborated with Area Sales team to achieve corporate goals

Area Controller- budgeting

Area Human Resource- talent acquisition and retention

• Facilitated and participated in quarterly leadership and sales trainings/workshops
• Analyzed sales data regularly to identify trends and adjust strategies as needed to capitalize on opportunities or address challenges.
• Optimized scheduling practices to ensure adequate staffing during peak hours while minimizing labor costs
• Implemented loss prevention measures effectively reducing shrinkage rates within the store environment.
• Managed inventory levels for optimal turnover, reducing stock discrepancies and ensuring product availability.
• Developed a high-performing sales team through targeted recruitment, ongoing training, and constructive feedback.
• Exceeded sales goals and accomplished business objectives by inspiring staff and promoting target products
• Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
• Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
• Organized promotional events and interacted with community to increase sales volume.
• Recruited, interviewed and hired employees and implemented mentoring program to promote positive feedback and engagement.
• Resolved and de-escalated staff and client matters
• Established strong relationships with vendors to negotiate better pricing and secure exclusive products for the store
• Collaborated cross-functionally with corporate, regional and other teams nationally to maintain consistent message and experience
• Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems

• Oversaw the operations and team of a $2 million P&L
• Led team (staff level of about 15) to secure 2nd place in the country with the rollout of the company's first loyalty program
• Drove sales profitability increases; quarterly and yearly
• Partnered with team whenever needed to support in all aspects of the business (sales floor, shipment, visual merchandising, and operations).