Maribel Ramos

Proven track record of driving branch growth through strategic planning and customer relationship management.
Expert in identifying opportunities to enhance customer experience and streamline processes for improved efficiency.
Empower the sales team to achieve the highest performance and meet objectives set forth by leadership.
Ultimately accountable for the overall sales, service, and operational success and growth of the Community Financial Center
Proven success in prospecting, building a pipeline, and moving sales opportunities.
Partner with community organizations to establish and maintain relationships that will enhance the growth and recognition of the credit union.
Reviews loan documentation for accuracy and completeness

• Controlled labor hours and inventory cost. Bringing it from 48% to 28%
• Set and enforced performance and service standards to keep consistent, high-quality environment.
• Kept facility compliant with health codes, sanitation requirements and license regulations.
• Purchased food and cultivated strong vendor relationships.
• Oversaw training of more than 20 team members and prepared schedule

• Managed over 15 dials per day to set appointments with existing clients and prospects to discuss business needs. "increased sales by 10%"
• Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
• portfolio planning to assist with business growth
• Had 2.6 million in lending solution within 10 months.
• Offered competitive commercial banking solutions and retail financing options.
• Had book of business with 115 clients

• Customer Service, Loans, Coached staff and Maximize referral opportunities to grow branch performance.
• Performed evaluations, involved in hiring and termination processes while also coaching employees on company protocol and payroll operations.
• Managed over 15 Business client calls per day to developed and grow prospects for new relationships and lending opportunities.
• Complied with Bank Secrecy Act, Anti Money Laundering, OFAC, USA Patriot Act, Privacy Act and Community Reinvestment Act.
• Managed growth of branch production and P&L

• Directly managed 7 tellers
• Managed human resources issues including sitting in on interviews and performance reviews.
• Coached tellers Promoted bank's products and services by consistently cross-selling to customers.
• Assisted customers with setting up or closing accounts, completing loan applications.