Erica Moreno
Thurmont,MD
Summary
Driven by innovation and a knack for operational efficiency, I excelled at M&T Bank by enhancing asset management processes and fostering strong client relationships. My background in banking and finance is marked by a commitment to problem-solving and client satisfaction, achieving notable improvements in portfolio management and customer service.
Overview
12
12
years of professional experience
Work History
Customer Asset Mnangement
M&T Bank
03.2019 - 01.2024
- Supported operational budgets aligned to year-end contractual goals to audit performance from various compliance auditors.
- Collaborated closely with accounting teams to ensure accurate tracking of fixed assets throughout their lifecycle from acquisition to disposal.
- Established a robust set of best practices for asset management within the organization, leading to more efficient processes and improved overall performance.
- Built rapport with customers by demonstrating understanding of their situation while seeking fair resolutions.
- Processed payments and applied to customer balances.
- Maintained high volume of calls and met demands of busy and productive group.
Relationship Banker/Assistant Manager
M&T Bank
08.2015 - 03.2019
- Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
- Strengthened client relationships by providing personalized banking solutions and excellent customer service.
- Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
- Assisted customers in achieving financial goals by recommending suitable products and services based on their needs.
- Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
- Resolved customer complaints and disputes to maintain satisfaction and loyalty.
- Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
- Assisted customers with completing required forms for opening and closing bank accounts.
- Analyzed customers' financial information to deliver personalized account guidance.
- Adapted products and services to suit customers' changing financial circumstances.
- Managed multiple customer accounts efficiently, ensuring accurate record-keeping and timely resolution of issues.
- Worked with clients to address and respond to client and partnership management issues.
- Responded to customer inquiries regarding new accounts and account services.
- Reconciled customer accounts and balanced daily transactions.
- Supervised day-to-day operations to meet performance, quality and service expectations.
Loan Officer/Collection Specialist
One Main Finanical
06.2012 - 07.2015
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Maintained strict confidentiality of client information.
- Examined customer loan applications for loan approvals and denials.
- Developed strong relationships with customers through high levels of customer service.
- Originated, reviewed, processed, closed, and administered customer loan proposals.
- Compiled database of loan applicants' credit histories, financial statements and other financial information.
- Assisted customers in understanding loan terms and conditions to make informed decisions.
- Ensured compliance with all federal and state regulations throughout the loan origination process.
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Managed a diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Assisted customers with completing loan applications and other paperwork.
- Negotiated loan terms and conditions with customers to secure best deal.
- Delivered exceptional customer service by promptly addressing client concerns and resolving issues as they arose during the lending process.
- Submitted loan applications to underwriter for verification and recommendations.
Education
No Degree -
Frederick Community College
Frederick, MDHigh School Diploma -
Walkersville High School
Walkersville, MD08.2002
Skills
- Operational Efficiency
Innovation and Creativity
- Due diligence
- Portfolio Management
- Investment strategies
- Teamwork and Collaboration
- Problem-Solving
- Problem-solving abilities
- Multitasking Abilities
- Decision-Making
- Client Relationship Building
- Self Motivation
Languages
Spanish
Full Professional
Timeline
Customer Asset Mnangement
M&T Bank
03.2019 - 01.2024
Relationship Banker/Assistant Manager
M&T Bank
08.2015 - 03.2019
Loan Officer/Collection Specialist
One Main Finanical
06.2012 - 07.2015
No Degree -
Frederick Community College
High School Diploma -
Walkersville High School
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