Jose Acevedo
Secaucus,NJ
Summary
Award-Winning and results-focused Small Business Banker with 15+ years of collective experience specializing in planning, coordinating, and managing all financial functions for businesses. Expert in driving revenue generation, attracting prospective clients/investors, collaborating with cross-functional teams, and leading financial planning/forecasting initiatives to drive successful business development.
Overview
15
15
years of professional experience
Work History
Small Business Banker
Bank Of America
02.2022 - Current
- Managing a business loan portfolio that include small business and non-profit organizations, with revenue from $1mm >.
- Met with existing clients and prospects through personal calling efforts and other contacts to discuss business needs.
- Assisted in planning portfolio growth through development of business plans in alignment with departmental budget and consistent with overall objectives.
- Worked with borrowing clients to procure updated financial information on ongoing basis.
- Maintained up-to-date knowledge of competitors' products.
- Obtained and reviewed corporate financial statements.
- Developed and maintained relationships with customers, lenders and other third parties.
- Evaluated loan requests and documents to verify accuracy and completeness.
- Processed loan applications and monitored progress from start to finish.
- Assisted customers with completing loan applications and other paperwork.
- Explained very technical financial information to applicants in easy to understand language.
- Analyzed potential risks and evaluated loan products to identify suitable options for customers.
Business Banking Relationship Manager /Community Assistant
Canandaigua National Bank & Trust
02.2020 - 08.2021
- Weekly meeting with 20 to 25+ customers to assess needs and propose customized solutions.
- Delivered exceptional experience and maintained productive relationships with area small businesses.
- Provided leadership and direction to grow team portfolio and increase revenue.
- Structured and finalized secured and unsecured loans from $25,000 up to $5m.
- Provide origination services for commercial mortgage, business start-up, SBA loans or other commercial loan types as needed.
- Weekly partners connect to review dashboards, coaching, share best practices and improve performance.
Mortgage Loan Officer
Bank Of America
02.2019 - 02.2020
- Generate over 5m on residential mortgages on Rochester and Buffalo area withing 12 month on role (average property 125k Rochester area, Buffalo average 700k).
- Worked with underwriters to fix application problems and resolve issues.
- Communicated with clients, processing teams and other third parties to achieve prompt loan closings.
- Maintained high level of customer satisfaction by providing prompt and accurate loan status updates.
- Analyzed loan applications and credit reports to determine loan eligibility and risk level.
Sr. Small Business Relationship Manager
Bank Of America, NA
02.2016 - 02.2019
- Manage portfolio of small business clients with revenues from $100,000 to $1,000,000
- Conducted credit and cash flow analysis, gather client financial package for businesses under $5MM in revenues for referrals to Small Business Bankers.
- Analyzed tax returns, calculate Global Cash Flow and assess Debt Service Coverage for loans, lines and leases.
- Developed and maintained relationships with local COI's.
- Developed prospects for new small business loans with daily call blocks.
- Complied with regulatory requirements including Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Relationship Manager
Bank Of America, NA
10.2009 - 01.2016
- Built and maintained relationships with new and existing clients while providing high level of expertise.
- Developed and maintained cross selling sales relationships with Bank of America specialists to maximize sales opportunities including small business, merchant services, mortgage solutions and Merrill Edge.
- Quarterly performance of 130%>
- Clearly articulated value proposition of Bank of America Corporation’s portfolio of products and services to clients
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
Steward
Wyndham Times Square South
11.2008 - 09.2009
- Consistently provided professional, friendly and engaging service.
- Skillfully promoted items on beverage lists and restaurant specials.
- Followed all safety and sanitation policies when handling food and beverage to uphold proper health standards.
- Demonstrated genuine hospitality while greeting and establishing rapport with guests.
- Manage over 25+ daily request from guests for room service, with 100% accuracy and client satisfaction.
Outside Sales Manager
Yellow Pages, Dominican Republic.
- Meeting with new and existing customers to review current services and expand sales opportunities. Negotiated prices, terms of sales and service agreements.
- Maintained knowledge of current sales and promotions, policies regarding payment and exchanges and security practices.
- Prospected and conducted face-to-face sales calls with business executives and directors throughout assigned territory.
- Managed portfolio of 250+ accounts. Average ads package $2,000
Outside Sales Account Manager
Listín Diario
- Prospected and conducted face-to-face sales calls with business executives and directors throughout assigned territory.
- Managed portfolio of 150 + account with gross sales average 5mm in sales.
- Created sales contacts with on- and off-premises accounts.
- Meeting with average of 25 clients per week, resulting in 100% client retention rate.
- Negotiated prices, terms of sale and service agreements.
- Organized joint sales calls with current customers and outside vendors.
- Trained peers and management team on internal system supports and implementation plans.
- Consistently exceeded monthly sales quotas by more than 135% by pursuing leads and expanding prospect list.
Education
MBA - Master of Management
University of Phoenix
Los Angeles, CA04.2013
Bachelor of Science - Marketing Management And Research
Universidad Católica Santo Domingo
Santo Domingo, Dominican Republic12.1999
Skills
- Bank Secrecy Act
- High Net Worth Individuals Marketing
- Consultative Sales Techniques
- Credit Application Review
- Commercial Real Estate
- Small Business Products
- Critical Thinking
- Complex Problem-Solving
- Sales Pipeline Management
- Financing Options
Timeline
Small Business Banker
Bank Of America
02.2022 - Current
Business Banking Relationship Manager /Community Assistant
Canandaigua National Bank & Trust
02.2020 - 08.2021
Mortgage Loan Officer
Bank Of America
02.2019 - 02.2020
Sr. Small Business Relationship Manager
Bank Of America, NA
02.2016 - 02.2019
Relationship Manager
Bank Of America, NA
10.2009 - 01.2016
Steward
Wyndham Times Square South
11.2008 - 09.2009
Outside Sales Manager
Yellow Pages, Dominican Republic.
Outside Sales Account Manager
Listín Diario
MBA - Master of Management
University of Phoenix
Bachelor of Science - Marketing Management And Research
Universidad Católica Santo Domingo
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