Heather Lubold
Berkley,MA
Summary
Results-driven banking professional with 10+ years of experience driving deposit growth, loan production, and portfolio expansion across multi-branch and relationship-based environments. Proven record of exceeding sales targets (200%+ growth) through proactive prospecting, financial analysis, consultative selling, and community engagement. Strong commercial credit knowledge with expertise in structuring tailored financial solutions for business clients.
Overview
13
13
years of professional experience
Work History
Vice President, Relationship Manager
Berkshire Bank
12.2021 - 09.2025
- Prospected and developed new business relationships within assigned territory, expanding deposit and loan portfolios through targeted outreach and referral generation.
- Conducted in-depth financial reviews to assess creditworthiness and identify tailored lending and treasury solutions.
- Partnered with Commercial Lending and Wealth Management teams to structure relationship-based banking solutions.
- Cross-sold commercial, deposit, and ancillary banking products to increase share of wallet and deepen client engagement.
- Monitored portfolio performance and identified opportunities for upselling, restructuring, and retention.
- Represented the bank at networking events and community organizations to generate qualified business leads.
Multi-Site Branch Manager
Citizens Bank
12.2012 - 10.2021
- Delivered 200% sales growth in 2019, followed by 50% growth in 2020 and 20% YoY growth in 2021 through aggressive deposit and loan growth strategies.
- Drove business acquisition through local networking, community partnerships, and strategic marketing initiatives.
- Reviewed business financial statements and identified commercial lending opportunities aligned with risk standards.
- Led consultative sales initiatives focused on cross-selling treasury, lending, and deposit products.
- Built and coached high-performing sales teams to consistently exceed production targets.
- Strengthened referral pipelines and retention through proactive client relationship reviews.
Sales & Service Development Manager
Citizens Bank
01.2017 - 07.2018
- Increased key performance metrics by 70% by redesigning training delivery for Branch Managers.
- Led cross-functional initiatives supporting strategic financial service growth.
- Developed structured sales coaching programs to enhance business development conversations.
- Executed customer engagement programs that increased loyalty and community visibility.
Skills
- Business Development & Territory Prospecting
- Commercial Lending
- Deposit & Loan Growth Strategy
- Financial Statement Review
- Loan Structuring & Negotiation Support
- Cross-Selling & Portfolio Expansion
- Client Acquisition & Retention
- Community & Networking Engagement
- Consultative Sales Leadership
- Portfolio Management
Timeline
Vice President, Relationship Manager
Berkshire Bank
12.2021 - 09.2025
Sales & Service Development Manager
Citizens Bank
01.2017 - 07.2018
Multi-Site Branch Manager
Citizens Bank
12.2012 - 10.2021