EDUARDO RUIZ
Whittier,CA
Summary
To apply my extensive managerial expertise in a dynamic, growth-focused organization, driving impactful results through strategic leadership and innovative solutions.
Results-driven Branch Manager with several years of comprehensive experience in financial services. Polished in managing branch, promoting, and marketing branch products and allocating funds. Deeply familiar with banking rules and regulations. Friendly professional dedicated to promoting and maximizing sales opportunities.
Overview
10
10
years of professional experience
Work History
Branch Manager
AMERICAS CHRISTIAN CREDIT UNION
GLENDOA, CA
05.2025 - Current
- Lead, coach, and develop Assistant Branch Manager and MSR team, driving a performance-focused culture that consistently meets and exceeds branch goals in deposits and lending.
- Achieved 100% MSR goal each quarter, with individual benchmarks of $900K in new money and $150K in lending per quarter per MSR.
- Drove year-over-year growth in branch performance, increasing in-branch new memberships from 15 to 18 per month (Walk-ins from 28-46).
- Increased new money deposits year over year by enforcing disciplined accountability of $300K monthly new money goals per MSR.
- Improved operational efficiency and risk management by implementing enhanced cash controls, resulting in a 25% reduction in branch errors.
- Increased branch cross-sell ratio by 50% through targeted coaching and adoption of the Cross-Sell Resource Center tool.
- Serve as back-up to the Call Center daily, managing overrides, escalated member concerns, and fraud cases to ensure service continuity and no gaps in member experience.
- Attend conferences to Reach, Serve, and Teach. This helps increase brand visibility and generate new memberships and lending opportunities.
- Host Financial Literacy sessions at conferences. (UPCI, Cogic)
- Develop and implement member service policies and procedures aligned with regulatory requirements and best practices.
- Contribute to strategic initiatives, including Zelle and Zoom implementations, enhancing member access and service delivery.
- Actively engage in community outreach through Chambers of Commerce participation and conference representation to drive membership growth.
- Oversee daily branch operations, including staffing, scheduling, system administration (Ascensus, Brinks, CO-OP, Card Connect), audits, and IRA administration.
AVP/Branch Manager
CAL STATE LA FEDERAL CREDIT UNION
LOS ANGELES, CA
07.2023 - 04.2025
- High level of service commitment to enhance member satisfaction and organizational values.
- Develop relationships with new and existing business members, brokers, and other referral sources for the purpose of increasing loan business.
- Evaluate business member's needs and offer the appropriate Credit Union products.
- Achieve annual deposit, cash management and loan origination goals.
- Collaboration with Branch Administration for Business development
- Management of branch marketing efforts in collaboration with Business Development.
- Adaptation to changing priorities, technology, and operating systems.
- Coaching, and development of branch staff.
- Analyze bank statements to identify a prospective business member's need to effectively recommend products and services.
- Attraction and retention of members, emphasizing engagement.
- Administration of branch budget and expense control
- Compliance with audit, security standards, and policies
- Stay abreast of the industry, Regulatory developments, and emerging risks and trends to ensure the effectiveness and relevance of the operational risk management program.
- Manage, analyze and report on relevant performance monitoring metrics including Performance Indicators and Risk Indicators to track the effectiveness of risk management activities and potential adverse risk trends.
- Present risk assessment information, detailing relevant behaviors, activities, processes, and associated risk to ensure awareness, support and approval of the Board.
- Provide second line effective challenge and oversight of front-line developed issues, risk mitigation strategies and related action/resolution plans.
- Conduct timely analysis of front-line risk, control and loss history information to generate management and board level risk profile insights and reports.
- Maintenance of branch physical environment and professionalism
- - ACCU Sensitive -
VP/Branch Manager
BANC OF CALIFORNIA
WHITTIER, CA
04.2022 - 05.2023
- Coach team for meaningful client interactions and identify growth opportunities.
- Manage recruitment, support, and training responsibilities.
- Acquire & Deepen Client Relationships to generate new client relationships and deepen existing ones.
- Provide senior support and foster proactive business development.
- Business & Risk Management, ensuring adherence to policies and procedures.
- Coach team on pricing, fee collection, and risk/compliance management.
- Partnering with a Collaborative Mindset by introducing clients to the right partners.
- Champion Global Relationship Management.
- Deliver Exceptional & Consistent Client Experience by ensuring needs are met and escalations resolved.
- Improve Sales & Banking Acumen by developing stronger banking acumen and sales practices.
- Compliance with Policies and Regulations.
- Business Development by Collaboration, Communication, Networking, Leadership.
VP/Branch Manager
FIRST BANK
LONG BEACH, CA
07.2019 - 03.2022
- Develop a daily and weekly branch sales plan.
- Develop and implement tele servicing plans to include calling on maturing accounts, sales leads, referrals, new account follow up, and other prospecting opportunities for the designated market area.
- Track results and follow-up as appropriate.
- Promote, explain and sell all retail banking products.
- Develop new business opportunities and conduct outside sales calls.
- Authorize transactions in accordance with Bank policy.
- Address and resolve client concerns and inquiries.
- Ensure audit integrity, risk management and security of the branch.
- Maintain a thorough knowledge of all retail products and provide staff training to include product knowledge, sales, referrals, client service, risk management and policy & procedures.
- - ACCU Sensitive -
VP/Relationship Manager II
CITY NATIONAL BANK
COMMERCE, CA
05.2016 - 07.2019
- Cultivate and expand client relationships by using Portfolio Management to generate new business and consumer client connections within designated segments, fostering growth into primary banking relationships.
- Ensure exceptional client experience by consistently meeting client needs, resolve escalations, and deliver on key client requirements with unwavering consistency.
- Continual improvement in banking acumen and sales strategies through collaboration with subject matter experts, internal training, and mandated curriculum.
- Business and risk management by staying abreast of policy updates, adhere to lending authorities, and ensure decisions align with bank policies, regulations, and effective risk management practices.
- Championing Global Relationship Management and facilitate introductions to appropriate partners within the bank.
- Strengthening community presence through networking, active involvement in civic affairs, and representation of the bank in relevant professional organizations.
- Understand client realities and growth objectives, build trust, and offer tailored advice and solutions aligned with evolving client needs.
- Prioritize activities effectively using tools and best practices to consistently deliver exceptional client experiences.
- Assist in overseeing day-to-day activities.
- Assist RB's & RM's with their deals and participate in their client visits when needed.
- Assist with opening and closing procedures.
- Give overrides when needed.
- - ACCU Sensitive -
Education
Some College (No Degree) - Business Administration And Management
Cerritos College
Norwalk, CASkills
- MS Office suite proficient
- Leadership Workshop
- Credit Foundations
- Risk Assessment
- Safety Champion
- Operational Risk Management
- Regulatory Seminar (Operations, Lending, Compliance, and Security)
- LSCI Branch Manager Workshop
- Financial Literacy
- Branch operations
- Cash controls
- Regulatory compliance
- Loan origination
Timeline
Branch Manager
AMERICAS CHRISTIAN CREDIT UNION
05.2025 - Current
AVP/Branch Manager
CAL STATE LA FEDERAL CREDIT UNION
07.2023 - 04.2025
VP/Branch Manager
BANC OF CALIFORNIA
04.2022 - 05.2023
VP/Branch Manager
FIRST BANK
07.2019 - 03.2022
VP/Relationship Manager II
CITY NATIONAL BANK
05.2016 - 07.2019
Some College (No Degree) - Business Administration And Management
Cerritos College