Kevin Costa
Miami,FL
Summary
Customer-focused and goal-oriented bilingual Business Manager with over 10 years of success in improving operations, revenue generation, customer service ratings, and team productivity. Proven track record in developing and executing innovative sales/marketing strategies and maintaining a quality, diversified loan portfolio in competitive markets. Motivational and influential leader known for building and guiding high-performing teams to exceed branch sales goals. Out-of-the-box, creative thinker committed to driving continuous improvements in relationship management, asset protection, and community engagement to optimize branch profitability.
Overview
17
17
years of professional experience
1
1
Certification
Work History
VP-Business Banker
City National Bank
02.2023 - Current
- Coordinates at a senior level with my sales team to establish, build, and sustain business banking relationships with companies with gross sales of generally less than $20M
- Represents the bank as a primary relationship manager for the assigned book of business
- Involved in the credit process including credit underwriting, portfolio management and review, Risk/Credit grading and risk identification/management
- Portfolio management includes servicing, covenant compliance, collateral monitoring
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
VP-Financial Sales Manager Business
First Citizens Bank
05.2021 - 12.2022
- Drive the overall balanced performance of 1 assigned area with an emphasis on business lending, Business deposit acquisition and Treasury Management for small business segments
- Provide exceptional leadership and coaching to 7 members of the branch sales teams to ensure maximum performance and attainment of personal goals and improvement plans
- Identified and capitalized on core opportunities in existing business relationships to exceed targets for sales and revenue by 207+% YTD
- Exceeded in Lending and Deposit focused metrics of more then 23M in loans and 12M in New Deposit acquisitions
Market Leader
BB&T
03.2019 - 05.2021
- Responsible for overall balanced performance of multiple assigned branches with emphasis on lending, deposit acquisition and non-interest income generation for consumer and small business clients
- Develop and maintain long-term relationships with clients from diverse backgrounds to identify, understand and meet their financial needs, using a consultative approach to recommend relevant products with $5M in sales
- Manage all aspects of the loan origination process and provide a high-level of client service to drive $5M in sales and earn100% client loyalty
- Partner with individuals at all levels to ensure the prompt and accurate processing of client transactions, leading to a significant increase in workplace productivity
- Act as the primary contact for the efficient and effective resolution of complex issues relating to deposit, credit and other products, boosting client satisfaction ratings by100%
Relationship Manager
Bank of America
03.2017 - 03.2019
- Escalated and resolved complex client issues and complaints to drive maximum satisfaction
- Utilized a comprehensive knowledge of banking products/services and selling techniques to recommend solutions corresponding with customer needs, boosting monthly sales by44%
- Educated customers on the features and benefits of various banking products and services to enable them to make informed decisions, elevating customer retention by33%
- Managed and converted leads to a robust sales pipeline to continuously generate $1M in sales and increase revenue by44%
- Identified and capitalized on core opportunities in existing customer relationships to exceed KPI targets for sales and revenue by140+%
- Prospected for new businesses from existing and prospective customers via cold call, email and in-person, producing500+ new leads
- Cultivated engaging customer experiences to elevate the client retention rate by33% and generate $1M in new business
- Referring business to the investment department
- Having Preliminary calls with clients about their investments/investment department
- Working in conjunction with our financial advisement group to manage the clients entire relationship
Manager/Partner
FitnessPro LABS LLC
04.2012 - 02.2018
- Coordinated daily center activities and integrated strategic marketing plans to increase visibility and generate interest/occupancy from the target audience
- Analyzed operations to identify operational deficiencies and provided immediate and effective solutions to ensure smooth operations
- Established a strong maintenance culture for the facility to greatly improve the functionality of equipment and other structures
- Created and launched roll out quality programs to meet the varying developmental needs of facility residents
- Drove full compliance with all safety policies to establish and maintain a safe environment for optimal success
- Minimized operational costs and generated $500K in cost savings using a tactical operational plan
Personal Banker
Wells Fargo Bank
04.2008 - 01.2016
- Utilized product/service knowledge, customer service principles and direct sales approach to advise clients on the best products and services to meet their needs
- Coordinated and conducted financial consultations on accounts and lending services while sustaining lasting relationships with customers with $250K in monthly sales
- Devised and implemented a strategic sales plan to exceed both personal and bank targets by125%
- Maintained excellent communication with clients to update them on new products and services and generate $2M+ in new business
- Coached and mentored15 team members on key methods for recognizing sales opportunities and transitioning customers to business partners to surpass branch and individual goals
- Referring business to the investment department
Education
High School Diploma -
Miami Springs Senior High School
Miami, FLSkills
- Organizational Leadership
- Operations Planning
- Sales/Business Development
- Strategic Visioning
- SOP Compliance
- Recruiting/Hiring
- Process Improvements
- Market Research/Analysis
- Team Building/Leadership
- Performance Management
- Training/Development
- Negotiating/Closing
- Decision-making
- Critical thinking
Accomplishments
- Achieved $11M+ in lending in 2024 with a goal of $7.5M.(145%)
- Supervised team of 7+ staff members.
- Used Microsoft Excel to develop various tracking spreadsheets to increase efficiencies through process.
LANGUAGES
English and Spanish
Hobbies and Interests
Community Service, Exercising, Writing and Foreign Languages
Community Service
Volunteer Firefighter/EMS, Red Cross, SPCA, Big Brother, Big Sister, YMCA
Certification
- Advanced Commercial Lending School Diploma – Center for Financial Training.
- Small Business Lending Certificate – Center for Financial Training.
- Commercial Credit Analysis Diploma – Center for Financial Training.
Timeline
VP-Business Banker
City National Bank
02.2023 - Current
VP-Financial Sales Manager Business
First Citizens Bank
05.2021 - 12.2022
Market Leader
BB&T
03.2019 - 05.2021
Relationship Manager
Bank of America
03.2017 - 03.2019
Manager/Partner
FitnessPro LABS LLC
04.2012 - 02.2018
Personal Banker
Wells Fargo Bank
04.2008 - 01.2016
- Advanced Commercial Lending School Diploma – Center for Financial Training.
- Small Business Lending Certificate – Center for Financial Training.
- Commercial Credit Analysis Diploma – Center for Financial Training.
High School Diploma -
Miami Springs Senior High School
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