Esteban Munoz
New Windsor
Summary
Client-centered, results-oriented Banker with more than 15 years of combined experience in the financial sector. I employ objective advice to clients and prospects alike. My expertise lies in delivering solutions within Business Banking, Retirement planning/Asset allocation and Lending.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Business Banking Senior Relationship Liaison
M&T Bank
Fishkill, NY
01.2024 - Current
- Currently support 5 Business Banking Relationship Managers in the processing of loan applications $250,000 to $5MM and required documentation, utilizing appropriate loan approval systems.
- Process loan documentation on newly approved and closed loans, disburse proceeds according to the approvals, review various reports, BSA/AML, perform other duties and assignments as requested.
- Proactively assist with managing loan accounts in need of credit review, renewal, extension, or other loan portfolio maintenance action.
- Compile and prepare statistical data of monthly performance for review by Senior Management.
Senior Relationship Banker
M&T Bank
Somers, NY
11.2021 - 01.2024
- Identified customers' needs through the bank’s retail sales process to provide proactive sales solutions through customer outreach for basic and complex customer needs.
- Specialized in our branch customer experience through all retail and business sales interactions.
Private Client Banker
JPMorgan Chase
Port Jervis, NY
05.2020 - 11.2021
- Managed a Consumer & Business portfolio of 75MM
- Proactively met with clients and prospects in person or phone to discover, build, and tailor financial solutions
- Operated within all established risk parameters/tolerance, meet internal as well as external risk and compliance obligations
- Engaged LOB partners to provide specialized financial needs
- Prospected for new business clients through networking, community outreach and customer referral generation
- Developed customized solutions of deposit, lending and other products for small business clients
Relationship Banker
JP Morgan Chase
Middletown, NY
10.2018 - 05.2020
- Managed assigned customers and proactively met with them – in person and over the phone – to build lasting relationships, discover financial needs, and tailor product and service recommendations
- Partnered with Specialists (Financial Advisors, Mortgage Bankers, and Business Relationship Managers) to connect customers to experts who can help them with specialized financial needs
- Adhered to policies, procedures, and regulatory banking requirements
Branch Manager
Key Bank
Saranac Lake, NY
07.2015 - 06.2018
- Accountable for driving new client acquisition and retention, growing market share and balance sheet growth, growing non- interest income, growing joint partnership revenue, and fostering client and employee satisfaction to exceed branch sales and service goals.
- Responsible for the develop of branch staff through observational coaching sessions, joint sales calls and using the coaching model and developing/utilizing individual professional growth plans.
- Accountable for day to day operations, and risk management of banking center.
- Effectively manage clients/book of business by identifying products and services to meet clients' needs within Retail, Investment Services, Mortgage or Business Banking.
- Extensive experience in consumer & commercial lending and developing new business banking relationships.
- Grow a profitable book of business to achieve individual and team goals, call system generated leads to prospect for cross sell and retention.
- Develop strategies to grow commercial clientele using appropriate sales plan to target prospects, and by executing small business banking strategies.
Relationship Banker
Key Bank
Plattsburgh, NY
08.2011 - 07.2015
- Provided effective and customized financial wellness recommendations to clients; Delivered on client solutions through referring of investment and insurance products.
- Built a client referral pipeline via identification and development of internal and external centers of influence; Employed a disciplined approach to prospecting; documents calling efforts.
- Developed and maintained an in-depth knowledge of client products and services, as well as knowledge of competitive products and services to ensure meaningful in-depth financial wellness conversations with clients.
- Opened personal and business accounts (consumer checking, small business, various deposit products, home equity, unsecured lending, certificates of deposit, etc.).
- Developed strong partnerships with branch teammates and line of business partners through in-person meetings– focusing on client acquisition and deepening the relationship of current clients; effectively managed internal and external centers of influence.
- Ensured compliance with operational, risk, security and audit procedures and policies including appropriate documentation of client interactions.
Education
Computer Science
Montclair State University
Montclair, NJ06-2000
High School Diploma -
Morris County School of Technology
Denville, NJ06-1998
Certification
- Notary Public
Languages
Spanish
Full Professional
Portuguese
Limited Working
Italian
Limited Working
Timeline
Business Banking Senior Relationship Liaison
M&T Bank
01.2024 - Current
Senior Relationship Banker
M&T Bank
11.2021 - 01.2024
Private Client Banker
JPMorgan Chase
05.2020 - 11.2021
Relationship Banker
JP Morgan Chase
10.2018 - 05.2020
Branch Manager
Key Bank
07.2015 - 06.2018
Relationship Banker
Key Bank
08.2011 - 07.2015
Computer Science
Montclair State University
High School Diploma -
Morris County School of Technology