Davida Manuel
Prosper,TX
Summary
As a seasoned Relationship Banker with over 7 years of experience in banking and finance and expertise in Business Banking , I possess a deep understanding of the industry and a proven track record of building strong, long-lasting relationships with consumers and small businesses. My expertise in financial analysis and tailored solution delivery enables me to provide exceptional client service, driving sales growth and customer satisfaction. With a proven track record of achieving sales goals and a passion for fostering business growth, I am a valuable asset to any financial institution seeking a dedicated and results-driven professional.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Relationship Banker
Bank Of America
04.2022 - Current
- Working with clients to address and respond to client and partnership management issues.
- Continually boosted branch production and revenue by over 100% by consistently meeting all monthly and quarterly sales goals.
- Opening and managing business checking and savings accounts, and educate clients on their benefits.
- Proactively offer credit cards to small businesses, highlighting their rewards and benefits.
- Direct businesses to our Merchant Services, Payroll, and commercial loan options, tailoring solutions to their specific needs.
- Resolving customer complaints and disputes to maintain satisfaction and loyalty.
- Facilitating customer transactions, including deposits, withdrawals and transfers.
- Implementing strategies to increase customer retention, enabling investment growth.
- Assisting customers with completing required forms for opening and closing bank accounts.
- Analyzing customers' financial information to deliver personalized account guidance.
- Cultivating strong customer relationships by providing tailored advice and services.
- Adapting products and services to suit customers' changing financial circumstances.
- Verifying customer identity and reviewed documentation for accuracy.
Licensed Mortgage Loan Officer
Citizens Bank
10.2019 - 11.2020
- Explained different types of loans pertaining to client situations.
- Fielded customer complaints and provided solutions.
- Worked with underwriters to fix application problems and resolve issues.
- Reviewed loan files and updated to match current standards.
- Monitored portfolio performance and provided clients with periodic updates on loan progress.
- Checked loan documents for accuracy prior to closing.
- Followed up with clients on missing loan documents, providing guidance on best way to complete application process.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Assisted clients in selecting correct loan product and terms to meet needs and financial goals.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Developed extensive network of referral partners to source new mortgage loan opportunities.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
- Developed and implemented marketing campaigns to generate new business opportunities.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Developed and maintained relationships with customers, lenders and other third parties.
- Assisted clients with improving financial health by counseling on issues such as excessive spending and borrowing.
- Established plans and payoffs for customers' loans, prioritizing control of overall costs.
- Researched and updated industry knowledge on changing legislation and regulations.
- Monitored pipelines to track and log status of loans.
Relationship Banker
Citizens Bank
09.2018 - 06.2019
- Worked with current and prospective customers to ensure a positive banking experience
- Created strategies to strengthen client retention and expanded wealth management portfolio
- Served as the financial liaison to customers while providing exceptional customer service
- Partnered with lending and merchant service specialists to maximize customer service experience
- Opened new accounts and helped with teller transactions as needed
- Met and exceeded sales objectives set both at branch level and regional level
ACS Call Center Credit Card Balance Transfer Pilot
Bank Of America
09.2023 - Current
- Spearheading the pilot program for credit card balance transfers, driving growth and customer satisfaction
- Utilizing data analysis and customer engagement to identify and pursue balance transfer opportunities
- Presenting personalized solutions and exceptional customer service to secure transfers and build relationships
- Collaborating with internal teams to streamline transfer processes and enhance customer experience
- Consistently meeting or exceeding sales goals and performance targets
Finance Officer
Deeper Life Bible Church
01.2013 - 08.2018
- Kept accurate records of income and expenditure
- Approved and disbursed funds, while ensuring that all expenditure were within approved budget limit
- Served as a Liaison between banks and church administration
- Managed all financial dealings, maintained accurate records of all monetary donations and provided donors with letters of acknowledgement at the end of the year.
- Monitored budget and revenue trends, compiling reports for company leadership to inform decision-making.
Personal Banker
Cambridge Savings Bank
09.2016 - 07.2017
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
- Promoted financial products by maintaining excellent service offering knowledge.
- Monitored customer accounts to detect irregularities or suspicious activity.
- Processed deposits, withdrawals and ACH transfers accurately.
- Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.
- Informed customers of procedures for applying for services such as ATM cards, direct deposit of checks and certificates of deposit.
Education
Master of Science - Business Administration
Cambridge College
Cambridge, MA05-2019
Bachelor of Science - Finance
Simmons College
Boston, MA05-2016
Associate of Science - Business Administration
Bunker Hill Community College
Charlestown, MA05-2015
Skills
- Relationship building and management
- Financial Advising
- Consumer Banking
- Business Banking
- Sales expertise
- Cash Handling
- Banking operations knowledge
- Financial services
- Policy development and implementation
Affiliations
Member of National Association of Black Accountants, August 2013-Present
Certification
Public notary
Xinnix Mortgage License
NMLS Certification
Languages
Creole
Full Professional
Timeline
ACS Call Center Credit Card Balance Transfer Pilot
Bank Of America
09.2023 - Current
Relationship Banker
Bank Of America
04.2022 - Current
Licensed Mortgage Loan Officer
Citizens Bank
10.2019 - 11.2020
Relationship Banker
Citizens Bank
09.2018 - 06.2019
Personal Banker
Cambridge Savings Bank
09.2016 - 07.2017
Finance Officer
Deeper Life Bible Church
01.2013 - 08.2018
Master of Science - Business Administration
Cambridge College
Bachelor of Science - Finance
Simmons College
Associate of Science - Business Administration
Bunker Hill Community College