Hi, I’m
INDIRA URCUYO
Cypress,TX
Summary
Experienced professional with a strong background in finance, including expertise in reading financial statements, utilizing Moody's program, forecasting, and other aspects of finance. Skilled in generating new business opportunities for consumers and small businesses. Possess advanced knowledge of business and consumer banking products and services. Proven ability to work effectively with cross-functional teams to achieve organizational goals. Demonstrated proficiency in making independent decisions and a deep understanding of lending landscapes and metrics. With international experience, I bring a unique perspective to the table.
Overview
18
years of professional experience
1
Certification
Work History
BANK OF AMERICA
BUSINESS SOLUTION ADVISOR (BSA)
02.2023 - Current
Job overview
- Responsible for managing assigned book of business consisting of clients within various stages of the business life cycle
- Working closely with partners to fulfill complex business needs
- Coaching financial center associates in identifying quality business opportunities to refer
- Maintaining an organized sales process using Salesforce to document client priorities, follow up meetings, and clients-touch points
- Pre-call planning to prospect the existing clients using resources such as Vertical IQ to understand the challenge of client's industry
- Preparing question before hand using SPIN sales training technique
- Strong time management skills: Balancing pre-set client's appointments, daily calling routines, direct routes from banking center, and referrals from partners
- Presenting and conducting business acumen meetings to other lines of business to increase referral quality and flows.
BANK OF AMERICA
RELATIONSHIP MANAGER & BUSINESS OWNER SPECIALIST (RMBOS)
10.2019 - 01.2023
Job overview
- Signing on new clients and helping them through the onboarding process
- Managing client's bank account, including opening and closing accounts, and overseeing transactions
- Recommending and explaining banking services and products to clients based on their needs
- Deepen relationships with identifying life priorities
- Presenting and cross-selling banking services and products to existing and prospective clients
- Collaborating with other business Partners to ensure high quality client experience
- Experience within person customer service and sales
- A working knowledge of small business products and services.
LAFISE BANK
BRANCH MANAGER
08.2016 - 06.2018
Job overview
- Managed and supervise a total of 5 employees that oversaw Bank Operations, Small Businesses, Treasury, Customer Service and Teller Operations: being responsible for the overall direction, coordination, and evaluation of these units, by carrying out financial accountability in accordance with LAFISE's policies and statutory laws within the Central American Region
- Grew deposits by 20% over a two-year period through community networking and innovative customer incentives
- Managed client's book totaling over 15$M on deposit and $10M in credits
- Prepared annual budget, compliance plan and grew book of business by 280 customers
- Examined, evaluated and processed customer loan applications, monitored cash flow, and financial statements for over a U$10K
- Prepared financial and regulatory reports, and direct financial investigations and audits, ensured staff compliance with all required personal banking related codes of conducts
- Ensured efficient branch operations.
LAFISE BANK
BUSINESS EXECUTIVE
05.2012 - 08.2016
Job overview
- Contributed to the achievement of the branch commercial and strategies objectives by providing financial advice to improve client's portfolio by 22% equivalent to $1.5M
- Maximized cross selling in all banks products and develop a long-term relationship with existing customers
- Prepared financial analysis of customer loan applications and supervised all aspects of the underwriting process including real estate
- Managed client's products portfolio to help customers achieve their financial goals
- Assisted management in the preparation and monitoring of the branch's $5.5M budgets and annual goals (growth by 30% annually)
- Reviewed all credit cases, analyzed credit worthiness to compliance parameters and presented them to committee for their approval
- Prepared and submitted business proposals to potential customers, offered them products and services according to their needs
- Analyzed the results of inspection of assets such as businesses, farms and commercial establishments that were offer as mortgages by customers before their loan approval to guarantee a solid credit support.
CEFA CORP.
KEY ACCOUNT MANAGER
09.2010 - 02.2012
Job overview
- Managed Supermarket accounts and systems, among them Walmart (representing 40% of all sales)
- Planned processes to increase sales and coordinated the implementation of activities to achieve monthly goals in growing in a 20% annual
- Planned, coordinated, and implemented promotional activities; analyzed competitive environment before making a business offer to potential customers
- Supervised the supply of sales points and generated annual plans for different clients.
CASA TERAN
ADMINISTRATIVE MANAGER
02.2007 - 08.2010
Job overview
- Prepared, analyzed and interpreted monthly/annual budget and expense data
- Reviewed and formulated customers and supplier's contracts and approvals
- Supervised and analyzed customer retention, expenses report by divisions, maintenance budgets
- Preparation of sales statistics as well as their analysis, interpretation and implementation of new strategies
- Planned strategic marketing strategies to increase and recover customers
- Developed, implemented and coordinated sales strategies activities such as yard sales, liquidation among other initiatives
- Reviewed the company's promotional and advertising material as well as the marketing budget annually
- Developed and implemented policies to encourage the sales force to achieve their annual and monthly goals and objectives
- Oversaw sales personnel, at different levels: telemarketing, foreign sales and points of sale
- Supervised administrative activities, personnel logistics, fairs and other promotional events ensuring other branches had the assistance they needed throughout the territory.
CASA TERAN
EXECUTIVE ASSISTANT
03.2006 - 02.2007
Job overview
- Worked closely with the CEO and board of directors to provide administrative support
- Helped with his agenda, filed paperwork, arranged travel accommodations, screened phone calls, inquiries and requests, assisted in meetings, greeted visitors, scheduled appointments, answered emails and helped in some decision-making processes.
Education
The University of Arizona
Master's in Finance
University Overview
Status: Pursuing
Moorpark College
Accounting and finance
American University (UAM)
Post Graduate Degree: Marketing and Publicity
Catholic University
Bachelor of Science: Business Administration with a mayor in Marketing
Skills
- Goal Setting
- Problem-solving aptitude
- Certified Government Auditing Professional
- Certified Public Finance Officer
- Teamwork and Collaboration
- Time Management
- Client Interviews
- Interpersonal Communication
- Active Listening
- Financial Budgeting
- Self Motivation
- Effective Communication
- Team Collaboration
- Critical Thinking
- Relationship Building
- Financial Forecasting
- Decision-Making
- Certified Anti-Money Laundering Specialist
- Certified Financial Consultant
- Salesforce
- Monthly Financial Statements
- Financials Analysis
- Multitasking
- Problem-Solving
- Financial Goal Planning
Certification
- IBERO - American University of Science and Technology, Financial Planning and Forecasting Certificate
- IBERO - American University of Science and Technology, Human Resource Management Certificate: Leading People at Work/Strategy for Talent Analytics
Business Competencies
- Strategic Business Planning
- Tactical Decision Making
- Presenting with Impact & Confidence
- Strong Analytical Ability
- Excellent Interpersonal Skills
- Strong Knowledge in MS Office Programs
- Developing & Implementing Concepts
- Team Building & Teamwork Leadership
- Cross-Functional Collaboration
- Problem Solving Skills
- Expert in Building Clients Rapport and Trust
- Strong Work Ethic
Languages
Spanish
Native or Bilingual
Timeline
BUSINESS SOLUTION ADVISOR (BSA)
BANK OF AMERICA
02.2023 - Current
RELATIONSHIP MANAGER & BUSINESS OWNER SPECIALIST (RMBOS)
BANK OF AMERICA
10.2019 - 01.2023
BRANCH MANAGER
LAFISE BANK
08.2016 - 06.2018
BUSINESS EXECUTIVE
LAFISE BANK
05.2012 - 08.2016
KEY ACCOUNT MANAGER
CEFA CORP.
09.2010 - 02.2012
ADMINISTRATIVE MANAGER
CASA TERAN
02.2007 - 08.2010
EXECUTIVE ASSISTANT
CASA TERAN
03.2006 - 02.2007
The University of Arizona
Master's in Finance
Moorpark College
Accounting and finance
American University (UAM)
Post Graduate Degree: Marketing and Publicity
Catholic University
Bachelor of Science: Business Administration with a mayor in Marketing
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