Summary
Overview
Work History
Education
Skills
Languages
Timeline
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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, MD

High School Diploma -

Walkersville High School
Walkersville, MD
08.2002

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
Erica Moreno