Summary
Overview
Work History
Education
Skills
Timeline
Generic

Joy Christmas

East Orange,NJ

Summary

Dedicated Assistant Branch Manager bringing demonstrated success in cultivating account retention, customer service and client satisfaction.


Well-versed in loan application review and financial product advisement.


Inspires staff loyalty through strong leadership and communication skills.

Overview

29
29
years of professional experience

Work History

Assistant Branch Manager

INVESTORS BANK
01.2010 - 11.2023
  • Managed daily operations and sales of active branch, focusing on customer service, client retention and quality, with a staff of 5 (Personal Banker, Customer Service Associate Supervisor, Assistant CSA Supervisor and 2 CSAs).
  • Developed and maintained strong relationships with consumer and business clientele.
  • Provides personal banking services to high net-worth business clients.
  • Achieved significant client retention and actively worked to grow branch business
  • Opened accounts and cross-sold products and services.
  • Used Sales Force software for customer profiling, focused on needs-based selling skills, as well as managed sales and service process and referral lead generation.
  • Manage, coach and lead CSA and platform personnel.
  • Provide coaching and feedback to improve performance in selling techniques and customer service.
  • Conducted operational meetings and ensured compliance with bank policies and procedures.
  • Assisted Branch Manager with staff meetings.
  • Accompanied Branch Manager on sales calls to potential and existing business customers.
  • Commended for support of bank's community events to build brand.
  • Created and submitted daily, weekly and monthly reports to Branch Manager.
  • Authorized and performed overrides for customer transactions as needed.

Assistant Branch Manager

BANCO POPULAR (now Investors Bank)
01.1995 - 01.2010
  • Supervised team of (3) branch employees and made recommendations regarding performance evaluations.
  • Conducted weekly staff meetings to motivate staff members, address concerns, and questions.

Customer Service Representative

Carteret Federal Savings Bank
01.1995 - 01.1996
  • Developed customer service policies and procedures to meet and exceed industry service standards.
  • Provided excellent customer care by responding to requests, assisting with product selection and handling ordering functions.
  • Cross-trained and provided backup support for organizational leadership.
  • Handled customer inquiries and suggestions courteously and professionally

Education

Associate of Arts - Business Administration

ESSEX COUNTY COLLEGE
Newark, NJ
01.1984

Advanced Business & Banking - Business Management

AMERICAN INSTITUTE OF BANKING
Newark, NJ
01.1982

Skills

  • MS Word
  • Excel
  • PowerPoint
  • Sales Force
  • Fiserv
  • Loan application evaluation
  • Relationship building and management
  • Banking
  • Loan expertise
  • Staff Management
  • Loans
  • Customer retention
  • Financial Product Sales

Timeline

Assistant Branch Manager

INVESTORS BANK
01.2010 - 11.2023

Customer Service Representative

Carteret Federal Savings Bank
01.1995 - 01.1996

Assistant Branch Manager

BANCO POPULAR (now Investors Bank)
01.1995 - 01.2010

Associate of Arts - Business Administration

ESSEX COUNTY COLLEGE

Advanced Business & Banking - Business Management

AMERICAN INSTITUTE OF BANKING

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Joy Christmas