Justin Gallegos
San Antonio,TX
Summary
Forward-thinking Business Professional offering advanced experience in overseeing operations, driving business strategy and Excelling in Client Satisfaction. In 8 Years Highly proficient in business development and strategic planning resulting in consistent growth and profitability. Proven leader with track record of successful communication, client relationship building and achievement of sales goals.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Vice President: Merchant Consultant
Bank Of America
08.2022 - Current
- Field based specialist responsible for providing payment processing solutions to small business client primarily through partnerships with an assigned group of small business specialists, financial centers and other LOB partners.
- Primary goal is to drive responsible growth, consulting with small business clients to understand their business priorities and provide solutions that meet their needs with a focus on more complex opportunities and solutions.
- Integral contributor to One Team. Spent dedicated time in 8 financial centers engaging in partner routines, accepting in person client appointments, referrals and introductions and coaching colleagues on how to identify merchant opportunities and make quality referrals.
- Created detailed reports for management summarizing sales activity, customer feedback, market trends.
- Created proposals outlining merchant service solutions that meet customer needs.
- Develop opportunities with partners, go on joint client calls and meet clients at their place of business.
- Expert in the payment industry and Bank of America merchant solutions and consult with small business owners to align solutions with their unique and complex business priorities and needs.
- Maintain and manage a strong pipeline for new revenue growth as well as developing and retaining existing client relationships
- Negotiated contracts with vendors related to payment processing equipment or software licenses.
- Determined and set product prices.
- Managed daily workflow of sales activities in a timely manner while meeting or exceeding performance goals set by management.
Vice President; Business Relationship Banker
Comerica Bank
02.2022 - 08.2022
- Responsible for Relationship Management and Business Development of Small Business Clients with Revenues between 1 million - 3 Million
- Managed a portfolio of 3,000 Business Clients across 14 Branches with the goal of increasing profitability, deepening relationships, Retention, and Credit
- Cultivated and maintained positive working relationships with employees, executives and other stakeholders
- Extensive outbound calling, Prospecting, and working with branch employees with the goal of generating new Business leads
- Knowledge of using multiple computer programs such as Microsoft excel, word, Powerpoint, and Salesforce
- Expert in understanding financial documents such as Tax returns, P&L Statements, and Business Debt Schedules
- During time here, referral opportunities increased by over 50% by implementing new sales strategies and by coaching lesser experienced bankers
- Offered different Bank Loans Such as Business Lines of Credit, Business Term Loans, SBA Loans, Homer Equity Lines of credit, and Business Credit Cards.
Assistant Vice President;Small Business Consultant
Bank of America
02.2020 - 02.2022
- Responsible for relationship management and business Development of Small Business clients with revenues of 250k- 5 Million
- Manage portfolio of over 1000 Business Owners with a focus of deepening existing relationships, retention, and credit
- Worked directly with underwriting to approve loan requests, and also assist with creating loan structure
- Responsible for communicating this to Small Business Owners.- Worked closely with numerous business partners to optimize productivity and capture cross-selling opportunities
- Examples include ADP(Payroll Solutions), Bank of America Merchant Services, and Merrill Lynch
- Met with these partners regularly to coordinate with branch to meet goals
- Extensive outbound calling, Prospecting, and working with branch employees with the goal of generating new Business leads
- Knowledge of using multiple computer programs such as Microsoft excel, word, Powerpoint, and Salesforce
- Expert in understanding financial documents such as Tax returns, P&L Statements, and Business Debt Schedules
- Offered different Bank Loans such as Business Credit loans, term loans, SBA Loans, practice solution lending, Business auto Lending, and Business Credit cards
- Regularly Conduct in Person meetings with prospects and existing clients with the mission of meeting Business priorities and needs
- Served as a leader in Managing risk: Understand and manage risk in the business and adhere to policies.
Officer; Relationship Manager
Bank of America
08.2018 - 01.2020
- Responsible for managing clients overall banking relationship
- This includes having a holistic conversation about a clients life priorities
- Responsible for offering the banks financial products such as Checking accounts, savings accounts, CD's, IRA's, and credit cards
- Worked with Multiple partners such as Small Business Consultants, Merrill Lynch, and Branch Manager ensuring that sales goals are met
- Drafted monthly summaries to review level of client participation and identify targets for follow-up calls
- Managed Branch goals in conjunction with branch Manager to ensure that all sales goals are achieved
- Opened Business accounts for Business Owners and ensured that Business document is accurate in accordance with state and federal requirements
- Ensured that branch was compliant with risk and in compliance with banks guidelines.
Relationship Banker
Bank of America
01.2016 - 07.2018
- Responsible for offering the banks financial products such as Checking accounts, savings accounts, CD's, IRA's, and credit cards
- Digital ambassador to Bank of america clients
- Ensured that clients understood how to use the banks digital options
- Identified client needs and referred them to appropriate partners as needed
- Assisted in processing teller transactions
- Transactions processed include cash withdrawals, cashiers checks, Money orders, savings bonds redemptions, and change orders
- Assisted in maintenance of ATM's including adding, taking out deposited cash, and balanced according to banks guidelines
- Balanced banks cash vault ensuring that all the appropriate documentation is correct for all vault transactions.
Senior Client Service Specialist
Speed Commerce
01.2015 - 01.2016
- Assisted with maintaining client relationships by resolving client concerns in a timely manner
- Worked with Multiple clients such as AAFES, RUUM, Swimsuits For All, Tea Collection, Justice, and Kikkerland
- Ensured that warehouse personnel followed company's guidelines in ensuring that all clients contracts were fulfilled with no exception
- Assisted Client Manager with Multiple Tasks such as Client reporting and supervision
- Assisted with logistics management to ensure that all orders were fulfilled and all transfers for each client were done in a timely fashion
- Managed client billing by ensuring that all clients were billed according to each client contract.
Education
High School Diploma -
Penn Foster Career School
Scranton, PA07.2014
Skills
- Hiring and coaching Business growth and marketing strategies
- Policy compliance Portfolio and finance management
- Financial analysis and planning Commercial Lending and Refinance
- Business strategy creation Cash Flow and Financial Analysis
- Public speaking Training and mentoring
- Risk management Loan Origination and Underwriting
- Performance monitoring and evaluation Process Optimization/Improvements
- Proposals and presentations Forecasting
- English: Spanish: Native/ Bilingual Full Professional
- Banking
- Salesforce
- Relationship Management
- Credit Analysis
- Business Development
- Portfolio Management
- Business Consulting
- Strategic Planning
- Sales
- Loan Officer Experience
- Research
- Proposal Writing
- Contract Negotiation
- Price Structuring
Certification
- NMLS
- Certified Notary Public
Timeline
Vice President: Merchant Consultant
Bank Of America
08.2022 - Current
Vice President; Business Relationship Banker
Comerica Bank
02.2022 - 08.2022
Assistant Vice President;Small Business Consultant
Bank of America
02.2020 - 02.2022
Officer; Relationship Manager
Bank of America
08.2018 - 01.2020
Relationship Banker
Bank of America
01.2016 - 07.2018
Senior Client Service Specialist
Speed Commerce
01.2015 - 01.2016
High School Diploma -
Penn Foster Career School