Lorene Ratkovic
North Richland Hills,USA
Overview
20
20
years of professional experience
Work History
Business Banking Relationship Manager
PNC Bank
Dallas, TX
10.2025 - Current
- Cultivated strong relationships with business clients, identifying and addressing their specific banking needs.
- Develop customized banking solutions to meet client objectives and enhance satisfaction.
- Educated clients on banking products and services, facilitating informed decision-making and tailored solutions.
- Provide advice on cash flow management, budgeting and investment options for businesses.
- Analyzed financial documents to assess creditworthiness and financial viability.
- Coordinated with internal teams to enhance loan processing and approval efficiency for clients.
- Facilitate regular check-ins with clients to maintain ongoing engagement and support.
- Resolve client issues promptly, ensuring a positive banking experience at all times.
Real Estate Agent
Real Estate
Dallas, TX
07.2022 - 10.2025
- Managed real estate transactions from initiation to closing.
- Advised clients on market conditions, pricing and legal requirements for property transactions.
- Facilitated closing processes among lenders, mortgage companies, buyers, and sellers to ensure smooth transactions.
- Showed residential properties and explained features, value and benefits of available homes.
- Negotiated purchase agreements and contracts with buyers and sellers.
- Created detailed property descriptions for use in marketing materials.
- Promoted active listings through targeted social media campaigns, open houses, and newsletters to increase visibility and interest.
- Developed and maintained networks with appraisers, lenders, and home inspectors to streamline real estate transactions.
- Scheduled client appointments weekly to discuss real estate needs.
- Prepared comparative market analysis to estimate properties' value.
- Participated in community outreach programs to promote services offered by the company.
- Organized promotional materials used in sales presentations.
- Updated and organized CRM database to ensure accurate customer information.
- Oversaw and negotiated offers for real estate purchases on clients' behalf.
- Assisted in the preparation of documents such as representation contracts, purchase agreements, closing statements, deeds and leases.
National Sales Executive
AIS
Dallas, TX
03.2022 - 02.2024
- Facilitated meetings with C-suite executives in banking to establish strategic relationships and enhance client acquisition.
- Developed new leads through targeted outreach strategies and pursued appointment opportunities to convert prospects into customers.
- Generated leads through cold calling, networking events, referrals.
- Conducted research on potential clients to gather insights, identify decision makers, and build relationships with them.
- Collaborated with teams across global offices to ensure seamless client service and relationship management.
- Maintained open communication with leadership to facilitate business development.
- Represented AIS at industry conventions to promote brand awareness, and drive market engagement.
- Responded promptly to customer inquiries via phone or email.
Financial Wellness Consultant
PNC Bank
Dallas, TX
09.2020 - 03.2022
- Strategic in new business development and relationship management of B2B clients.
- Provided guidance on Workplace Banking, Consumer-Directed Healthcare, INDI, Financial Wellness Achievement Center, and Retirement Services.
- Managed client experience from onboarding to ongoing support, fostering long-lasting relationships.
- Developed and trained FSCs on financial workshops and strategies, enhancing client acquisition efforts.
- Managed effective network of internal and external relationships as the Vice President of the North Texas Multicultural EBRG, LOB Champion in the PNC Women's Business Development group and was the Lead Chair for the group's External Event Committee
- Lorene contributed to the Dallas Regional Chamber's Talent Attraction Council, represented PNC on the Klyde Warren Park DEI Task Force, engaged with The Garland Chamber of Commerce and the Garland Women's Steering Committee, and led the Global HR Round Table with Dallas SHRM.
- She received the Multicultural Women Leadership Award and completed the Bonnie St. John Transformational Leadership Program.
- Partnered with senior managers to develop and implement strategic sales and marketing plans.
- Identified and pursued business opportunities through established networks and innovative prospecting techniques.
- Trained and developed new team members to improve product knowledge and selling abilities.
- Conducted a high volume of promotional sales calls to increase the client base.
- Cross-trained in various roles to support the team during peak periods.
- Marketed brand and products to drive revenue growth.
Business Development Officer
PNC Bank
Dallas, TX
06.2019 - 09.2020
- Earned the 2020 Market All-Star award for performance and contributions to the team.
- Collaborated with corporate departments to create targeted business strategies that align with organizational goals.
- Engaged customers in conversations to assess needs and recommend tailored products and services.
- Listened to customer needs to identify and recommend best products and services.
- Trained FSCs on delivering financial wellness workshops and utilizing sales materials effectively.
- Conducted Market Sales Calls with team to engage clients.
Business Development Officer
Colonial Life
Dallas, TX
12.2017 - 06.2019
- Educated and advised clients on the best products that fit their needs to achieve their financial and retirement goals for them and their families.
- Cultivated client relationships, building trust and managing sales process from initial contact to closing.
- Managed and grew an active book of business through follow-through and consistency.
- Acquired new clients through targeted referrals and strategic marketing initiatives.
- Exceeded customer expectations by providing excellent customer service and value.
- Educated and counseled clients on the best products that suit their company's needs.
- Facilitated group training sessions to enhance team skills.
- Enrolled individual clients with Insurance products that meet their needs.
- Cross-sold insurance products including life, annuities, dental, vision, cancer, long-term care, home health care, and hospital indemnity.
Business Development Manager
Sagecrest Solutions
Dallas, TX
07.2015 - 11.2017
- Established new relationships in healthcare industry with physician offices, resulting in increased revenue for labs and practices.
- Directed recruitment, training, and staff development initiatives to enhance sales team effectiveness and revenue potential.
- Managed team of 15 Sales Reps and Clinical Advocates in 3 states.
- Cultivated strong business relationships with customers to drive business.
- Developed new processes, protocols, and forms for the lab and physicians' offices.
- Administered daily operations to ensure compliance by Clinical Advocates and Physicians for Blood, PGX, Cystic Fibrosis, Ashkenazi Jewish, Toxicology, Women's Health, NIPT, Allergy and Pharmacy.
- Executed sales strategies for medical devices and health review body scan, expanding market reach and customer engagement.
- Trained successful business development personnel to optimize marketing performance and learn the industry.
- Conducted training sessions for the team to enhance marketing performance through effective strategies.
- Facilitated and managed the business development plan based on market and industry research.
VP Business Banking Relationship Manager
JP Morgan Chase
Fort Worth, TX
06.2010 - 06.2015
- Managed business banking relationships for five branches in Fort Worth, TX: Benbrook, Camp Bowie, CB & Normandale, Clifford, and Ridgmar.
- Managed portfolio of 200+ business clients, including physicians and other healthcare professionals, enhancing client satisfaction and retention.
- Coached and mentored over 30 bankers with new techniques for establishing, maintaining, and deepening relationships.
- Developed new client relationships from $500K to $10MM in revenue.
- Worked with key decision-makers and owners, learning about their business to help develop the best strategy for positive cash flow.
- Outside of calling, I attended and hosted networking events, and served as an ambassador for the Fort Worth Hispanic Chamber of Commerce.
- Assisted with Habitat for Humanity projects to support community housing initiatives.
- Called on COIs and developed relationships for referrals.
- Partnered with colleagues in other bank areas to cross sell bank products and increase revenue for the firm.
- Cross sold business accounts, lending products, lines of credit, and merchant services, contributing to revenue growth for the bank.
- Delivered exceptional customer service, fostering long-lasting relationships and loyalty among business clients.
Licensed Relationship Banker
JP Morgan Chase
Fort Worth, TX
10.2006 - 06.2010
- Delivered exceptional customer service, resolving issues to enhance customer satisfaction.
- Adhered to all operational, security, risk, and regulatory policies and procedures.
- Maintained knowledge of all products, services, technology, and policies.
- Cultivated strong business and community relationships through active participation in local events.
- Educated both consumer and business customers on leveraging technology in order to drive sales and service.
- Cross-sold products, strengthening customer relationships and increasing overall account value.
- Answered customers' questions and explained available services such as accounts, bonds, and securities.
- Worked successfully with a diverse group of coworkers to accomplish goals as a team.
Education
Real Estate License - Real Estate
TREC
Dallas, TX06-2020
Genetics Training - Health Review Full Body Scan Certification
Premier Genomics
11-2015
- Business
Columbia College
05-2010
Skills
- Client relationship management
- Account management
- C-Suite engagement
- Consultative selling
- Sales initiatives
- Meeting and exceeding sales goals
- Market development
- Cold calling
- Client engagement strategies
- Brand marketing
- Coaching techniques
- Staff training
- Cross-cultural sales
Activities and Honors
- 2020 Market All-Star
- Multicultural Women Leadership Award-Bonnie St. John Transformational Leadership Award 2021
- SME for The New Employee Experience
- Distribution Listen, Learn and Act Group Leader
- I LEAD by Example Winner
- INDI Focus Group Leader
- Top 5 Clifton Strengths 1.Achiever 2.Positivity 3.Consistency 4.Futuristic 5.Woo
Languages
Spanish, Native/Bilingual
- Spanish
References
References available upon request.
Timeline
Business Banking Relationship Manager
PNC Bank
10.2025 - Current
Real Estate Agent
Real Estate
07.2022 - 10.2025
National Sales Executive
AIS
03.2022 - 02.2024
Financial Wellness Consultant
PNC Bank
09.2020 - 03.2022
Business Development Officer
PNC Bank
06.2019 - 09.2020
Business Development Officer
Colonial Life
12.2017 - 06.2019
Business Development Manager
Sagecrest Solutions
07.2015 - 11.2017
VP Business Banking Relationship Manager
JP Morgan Chase
06.2010 - 06.2015
Licensed Relationship Banker
JP Morgan Chase
10.2006 - 06.2010
Real Estate License - Real Estate
TREC
Genetics Training - Health Review Full Body Scan Certification
Premier Genomics
- Business
Columbia College