Joshua Nwuba
Houston,TX
Summary
Seasoned Senior Relationship Banker with a proven track record at Comerica Bank, adept in credit risk assessment and client engagement strategies. Demonstrated success in enhancing customer retention by 30% through exceptional service and strategic financial solutions. Excels in analytical thinking and interpersonal communication, ensuring high-priority client satisfaction and portfolio growth.
Overview
6
6
years of professional experience
Work History
Senior Relationship Banker
Comerica Bank
Houston, TX
09.2023 - Current
- Provided ongoing support to customers throughout the life cycle of their relationship with the bank.
- Maintained an up-to-date understanding of industry trends and best practices in order to remain competitive in the marketplace.
- Implemented strategies for increasing customer retention rates by providing excellent service levels at all times.
- Monitored customer feedback to assess satisfaction levels and develop improvement plans accordingly.
- Resolved customer inquiries or complaints promptly and efficiently in accordance with established guidelines.
- Reviewed loan applications, analyzed credit reports and calculated financial ratios to determine borrower eligibility.
- Researched market conditions, property values and other factors to assess risk of loan defaults.
- Prepared loan documents including promissory notes, deeds of trust and closing statements.
Senior Relationship Banker
First Horizon Bank
Houston, TX
01.2022 - 09.2023
- Managed portfolios of high-priority clients, providing tailored financial solutions to meet their needs and deepen relationships
- Meet and exceed sales goals through cross-selling banking products and services, including credit, deposits, and investments
- Developed and maintained strong relationships with internal partners, including wealth management, mortgage, and business banking teams
- Analyze credit data and financial statements to make informed lending decisions and mitigate risk
- Loan Origination
- Market and promote first horizon financial products
- Establish and maintain relationships with realtors, bank officers, builders and new home sales representatives in order to develop and retain existing business; and by traveling to numerous subdivisions as required
Store Manager-Property Manager-Inventory-Manager-Supervisor
Planet Tire Inc
Houston, TX
12.2020 - 01.2022
- Managed financial planning, analysis, and reporting functions, including budgeting, forecasting, and variance analysis
- Provided guidance to retail and business banking clients, assessing their needs, and recommending appropriate
- Developed and implemented financial strategies that align with organizational goals and drive business growth and profitability
- Ensure safety of all associates and equipment being used to Osha standards
- Partnered with cross-functional teams to provide financial analysis and support for strategic initiatives, including new product launches and acquisitions
- Coordinated with internal partners to deliver comprehensive financial solutions to clients
- Overseeing maintenance and repairs, contracting for services
- Developing and managing annual budgets, forecasting requirements, and analyzing data
- Manage Associates and teams for overnight Stocking as well as foresee incoming orders and the proper stocking of said items
Bank Associate
J.P Morgan Chase Bank
Houston, TX
03.2019 - 12.2020
- Established and managed relationships with retail banking clients, meeting, and exceeding sales goals through cross selling banking products and services
- Provided exceptional customer service and resolved client inquiries and issues in a timely and efficient manner
- Coached and mentored junior bankers on sales and service best practices
Education
A.A.S - Banking/Finance
Houston Community College
Houston, TX01.2025
Business and Commercial Lending Certification -
American Bankers Association
Diploma -
Westbury High School
Houston, TXSkills
- Proactive Client Support
- Client Engagement Strategies
- Evaluation & Problem-solving
- Organizational Strategy Development
- Conflict Resolution & Delegation
- Interpersonal Skills
- Critical & Analytical Thinking
- Time Management & Allocation
- Microsoft Office Suite
- Detail Oriented
- QuickBooks Data Analysis
- Customer Engagement Development
- Sales Management
- 4 Cino & Mainframe Systems
- Administrative Coordination
- Concise Written Communication
- Credit risk assessment
- Loan origination
Languages
Spanish
Professional
Igbo
Professional
Timeline
Senior Relationship Banker
Comerica Bank
09.2023 - Current
Senior Relationship Banker
First Horizon Bank
01.2022 - 09.2023
Store Manager-Property Manager-Inventory-Manager-Supervisor
Planet Tire Inc
12.2020 - 01.2022
Bank Associate
J.P Morgan Chase Bank
03.2019 - 12.2020
A.A.S - Banking/Finance
Houston Community College
Business and Commercial Lending Certification -
American Bankers Association
Diploma -
Westbury High School