Joseph N. Ritter
Cincinnati
Summary
Results-driven financial professional equipped for wealth management roles. Strong background in High Net Worth client investment strategies, portfolio management, private banking and financial planning. Known for fostering team collaboration and adaptability in dynamic environments. Skilled in client relationship management, risk assessment, and delivering tailored solutions to meet client goals.
Overview
17
17
years of professional experience
1
1
Certification
Work History
HNW Private Banking Officer
First Financial Bank
09.2024 - Current
- Developed and implemented strategies to enhance client satisfaction and retention.
- Cultivated and maintained high-net-worth client relationships to enhance customer satisfaction and loyalty.
- Designed and implemented customized wealth management solutions aligned with clients' financial goals.
- Analyzed clients' financial portfolios to identify opportunities for growth and risk mitigation.
- Collaborated with internal teams to deliver integrated financial services tailored to client needs.
- Led strategic initiatives to streamline client onboarding processes, improving efficiency and reducing turnaround time.
- Developed comprehensive financial plans that addressed tax, estate, and retirement considerations for clients.
- Collaborated closely with internal teams to deliver comprehensive wealth management solutions for clients.
- Exceeded sales targets consistently by identifying prospects, cultivating relationships, and closing deals effectively.
- Strengthened client relationships with regular communication and proactive financial recommendations.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
- Collaborated with cross-functional teams to develop innovative banking solutions for clients.
- Consistently exceeded sales targets by identifying potential sales opportunities and cultivating strong client relationships.
Wealth Banking Specialist
Bank of America/Merrill Lynch
06.2022 - Current
- High performing Banker in top 15% of Company of 668 peers, #1 Banker in Ohio
- Engaging Financial Advisors to introduce Banking solutions to their clients
- Building relationships across all lines of business to penetrate market with Wealth Planning and Wealth Banking solutions
- Presenting all Wealth Banking solutions to current and prospective clients
Mortgage Loan Originator
NRL Mortgage
09.2021 - 06.2022
- Built relationships with RE Agents, CPAs, and RIAs as referral sources and as a resource for their existing clients.
- Advised and originated mortgage loans to best suit the needs of borrowers with varying financial and credit profiles.
- Well versed and educated in several mortgage loan programs, including Medical specialty, Jumbo, Construction, FHA, Conventional, USDA, & VA.
Private Banking Relationship Manager
US Bank Private Wealth Management
06.2016 - 09.2021
- Increased engagement of partners in other business lines to refer to Private Wealth.
- Achieved excellence in Credit Portfolio Management, consisting of 283 consumer and commercial facilities with $120MM in commitments and $60MM in outstanding balances.
- Managed 681 consumer and commercial deposit accounts, with total balances of $135MM, for multiple individual, family, and commercial relationships.
- Maintained successful business development growth YOY consisting of Partner Capital/Physician buy-in loan programs, as well as growth in other commercial and consumer lending.
Branch Manager/Business Development Officer
US Bank District 2
12.2011 - 06.2016
- Upheld successful business & COT calling routines resulting in growth of loan/line production, commercial loan balances, merchant services & TM revenue.
- Lead District and Region in commercial loan growth in 2014, increasing $3.2MM in balances.
- Partnered with FA’s to grow pass through revenue from consumer and business clients.
- Grew and managed 2 business YOY Revenue simultaneously, consisting of $30MM in outstanding loan balances, and $70MM in deposits.
- Maintained and grew revenue of 2 branches, consisting of 282 tiered Small Business relationships.
Financial Specialist/Personal Banker
US Bancorp Investments
10.2008 - 12.2011
- Effectively partnered with six branches to increase Investment and Insurance revenue YOY & developed and grew existing book with wealth planning strategies.
- Satisfied affluent clientele’s financial needs by utilizing multiple business partners.
- Executed IRA rollovers, mutual fund trades, life insurance and annuity policies for new clients and existing book of business.
- Built long lasting client relationships utilizing KYC process with customers.
- Grew retail loan balances by $1MM and earned Star of Excellence 2010.
Education
Bachelors Degree - Business Administration & Management
Wilmington College
Blue Ash, OHSeries 6 & Series 63 Securities Licenses - undefined
AAMS Professional Designation -
Kaplan College For Financial Planning
05-2024
Skills
- Retirement planning
- Credit analysis
- Portfolio management
- Estate planning
- Cross-selling
- Wealth management expertise
- Business development and Referral generation
- Teamwork and collaboration across business lines
- Customer service
- Problem-solving
Accomplishments
- Number 6 Branch Manager of 70 plus locations for Region 1 in 2015
- 2012, 2013, & 2014 Fall Campaign District/Branch Winner
- Quarterly Pinnacle Q4 of 2013, Q2 2014 for WC Branch
- Quarterly Pinnacle Q2 2014 for UC Branch
- Banker Star of Excellence Award Winner for 2010
Certification
Accredited Asset Management Specialist
Timeline
HNW Private Banking Officer
First Financial Bank
09.2024 - Current
Wealth Banking Specialist
Bank of America/Merrill Lynch
06.2022 - Current
Mortgage Loan Originator
NRL Mortgage
09.2021 - 06.2022
Private Banking Relationship Manager
US Bank Private Wealth Management
06.2016 - 09.2021
Branch Manager/Business Development Officer
US Bank District 2
12.2011 - 06.2016
Financial Specialist/Personal Banker
US Bancorp Investments
10.2008 - 12.2011
Series 6 & Series 63 Securities Licenses - undefined
Bachelors Degree - Business Administration & Management
Wilmington College
AAMS Professional Designation -
Kaplan College For Financial Planning
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