Josue Paulin

• Provide cash flow solutions to businesses with annual sales from $1 million to $5 million and up to $10 million in the food/AG/Bev industries
• Additionally, managed the on-going sales cycle to optimize the cash flow of PNC's business customers so they can achieve their goals
• Provided comprehensive cash flow solutions across multiple industries, including Retail and Healthcare, tailoring financial strategies to client-specific
  needs.
• Worked with internal services partners to on-board and expand the business portfolio
• Managed and expanded client relationships, enhancing
  sales, revenue, and market share
• Acquires and/or expands and retains client relationships to generate revenue and deepen share of wallet
• Handles the origination, financial analysis, negotiation and documentation of credit and non-credit products and services
• Employed targeted strategies to boost client engagement and loyalty, contributing to sustained business growth
• Focuses on increasing client engagement and loyalty
• Demonstrates ability to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies

• Handles relationship management activities with new and/or existing clients in a book of business to grow sales, revenue and market share with relevant sales goals
• Typically works with clients with various levels of risk and complexity of needs
• With direction, acquires and/or expands and retains client relationships to generate revenue and deepen share of wallet
• Manages risk/return and drives quality for new and/or existing clients
• Actively identifies and mitigates different types of risk, such as regulatory, reputational, operational and credit risks
• Focuses on client opportunities by providing ideas and insights based on an understanding of the client's needs and their financial well-being
• Employed targeted strategies to boost client engagement and loyalty, contributing to sustained business growth
• Builds an effective network of internal and external relationships, such as community or industry relationships, to actively acquire new clients and/or expand existing clients and enhance the client experience
• Focuses on bringing the entire bank to the client by presenting the full range of PNC's products and services
• Leverages reporting and sales tools to proactively identify and successfully convert sales opportunities
• As defined with the business, demonstrates ability to analyze, evaluate and mitigate credit risk by utilizing knowledge of credit fundamentals and internal credit policies

Responsible for finding, identifying and developing new clients, in targeted segments including business and professional segments, and Preferred Banking as defined, through proactive outside calling efforts and cultivating strong partnerships with center of influences in and around the community for referral opportunities

• Manages an active client relationship portfolio with an emphasis on expanding existing relationships and adding new qualified relationships within the Business and Professional and Preferred Banking segments
• Ensures timely collection of financial documents, prepares competent Business Information Transmittal for new and renewing credit
• Ensures that decisions made are consistent with all Bank policies and procedures, as well as applicable regulations, and that the risk associated with those decisions can be effectively managed
• Develops and executes sales strategies, branch marketing plan and business development programs
• Monitors, evaluates, recommends and implements adjustments to program to ensure achievement of goals
• With Branch Manager, customizes individual branch plan to meet local market needs
• Complies fully with all Bank Operational and Credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, Code of Conduct, etc.)
• Selected as a 'Buddy' for new colleagues starting with the bank
• Business lending up to $1mm and assists with loans/lines above $1mm

• Responsible for finding, identifying and developing new clients, in targeted segments including business and professional segments, and preferred banking as defined, through proactive outside calling efforts and cultivating strong partnerships with center of influences in and around the community for referral opportunities
• Develops new clients through referral sources and business development calling efforts
• Actively engages in the sales process of the branch to ensure attainment of branch and individual goals and objectives
• Actively manage a portfolio of business clients with revenues of $5mm or less and credit facilities of up to $1mm
• Effectively grew Premier clients with assets of $10mm or less
• Grew book of business from 5 to 50 clients in a year and a half
• Recipient of the following awards: Rookie of the Year (2019), Circle of Excellence for both the Division and Region 2019-2020(Q3, Q4, Q1, Q2)
• Top Relationship Banker in the country

• Being the liaison between the business customers and our various partners to support the well-being of their company and personal finances
• Work with clients to identify their financial goals and to find ways of reaching those goals
• Determine customers' financial services needs and prepare proposals to sell services that address these needs
• Contact prospective customers to present information and explain available services
• Meet with applicants to obtain information for loan applications and to answer questions about the process
• Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
• Submit applications to credit analysts for verification and recommendation
• Circle of Excellence Award for Customer Service

• Inform customers of procedures for applying for services such as ATM cards, direct deposit of checks, and certificates of deposit
• Refer customers to appropriate bank personnel to meet their financial needs
• Investigate and correct errors upon customers' request, according to customer and bank records
• Process loan applications
• Submit applications to credit analysts for verification and recommendation
• Analyze applicants' financial status, credit, and property evaluations to determine feasibility of granting loans
• Meet with applicants to obtain information for loan applications and to answer questions about the process

• Cash checks and pay out money after verifying that signatures are correct, that written and numerical amounts agree, and that accounts have sufficient funds
• Receive checks and cash for deposit, verify amounts, and check accuracy of deposit slips
• Enter customers' transactions into computers to record transactions and issue computer-generated receipts
• Identify transaction mistakes when debits and credits do not balance
• Explain, promote, or sell products or services such as travelers' checks, savings bonds, money orders, and cashier's checks, using computerized information about customers to tailor recommendations