Marie Black
Akron,OH
Summary
High-performing Bank Executive offering over 16 years of experience overseeing high-value commercial clients with minimum sales over 10mm. Recognized on multiple occasions as top performer and awarded President's Club five times. Goal-driven financial professional well-versed in managing diverse customer needs with speed and efficiency. Maximizing satisfaction and bank revenue through hands-on service and support, knowledgeable product recommendations and persuasive communication skills. Focused on developing and deepening productive customer relationships as a trusted advisor. Expert at acquiring new account structures for clients, maintaining security and supporting audits, managing risk controls and complex credit needs. Excellent organizational, relationship-building and documentation skills. Prepared to utilize the 16 years of commercial banking experience to a challenging position. Successful at excelling in fast-paced, competitive banking environments. Excellent sales and customer service abilities paired with in-depth knowledge of bank products, expert underwriting and financial analysis. Proficient in updating client relationships, recommending services that improve the depth of the relationship, and refer other partners when necessary. History of producing consistent referrals and maintaining high closing rates. Successful at handling both new loans, renewals, and credit monitoring of a portfolio of over 45mm in credit exposure. Proficient in Microsoft applications. Superior attention to detail and highly ethical nature. Dedicated to maintaining optimal security and customer satisfaction while meeting ambitious sales targets. Well-versed in industry regulations and asset protection strategies. Progressive experience establishing and servicing commercial clients and building long-lasting relationships by applying strong communication, critical thinking and planning abilities. Skilled at helping customers and business accounts to meet financial needs by developing customized product and service solutions. Well-versed in solving complex financial problems. Good communication, multitasking, and team involvement to maximize solid client relationships.
Overview
21
21
years of professional experience
Work History
Vice President Business Banking
Dollar Bank
12.2022 - Current
- Enhanced company profitability by implementing strategic business plans and optimizing operational processes.
- Negotiated high-value prospective clients opportunities that maximized profitability while mitigating risks.
- Delivered strong financial performance despite challenging economic conditions by executing prudent risk management strategies throughout all aspects of business operations.
- Ensured regulatory compliance at all times by implementing robust internal controls systems coupled with proactive monitoring mechanisms.
- Leveraged technology to automate workflows and streamline processes, resulting in increased productivity and cost savings across
- Identified opportunities to improve business process flows and productivity.
- Established performance goals for department and provided methods for reaching milestones.
- Monitored industry trends, keeping current on latest changes and competition in industry.
- Used market insights to capitalize on key business opportunities for new advantageous partnerships.
- Representative at industry conferences and events.
- Collaborated with legal, accounting and other professional teams to review and maintain compliance with regulations.
- Established and maintained strong relationships with clients, prospective clients, centers of influence, and corporate partners.
- Strengthened client relationships by providing personalized financial solutions and expert advice.
- Increased cross-selling opportunities for additional bank products through consistent communication with clients.
- Improved portfolio performance by monitoring risk factors and conducting periodic reviews.
- Enhanced customer retention rates through proactive relationship management strategies.
- Collaborated with credit analysts to expedite loan approvals, ensuring timely access to funds for clients.
- Negotiated favorable terms for loans and lines of credit, optimizing client satisfaction and loyalty.
- Provided training and mentorship to junior team members, contributing to their professional growth.
- Conducted regular client meetings to discuss financial goals, review account performance, and address concerns or opportunities for improvement.
- Established strong working relationships with internal departments, streamlining processes and enhancing overall efficiency in serving business banking clientele.
- Facilitated onboarding process for new business accounts, ensuring smooth transition from prospect to loyal client.
- Managed diverse portfolio of commercial customers across various industries, demonstrating adaptability and versatility in addressing distinct financial requirements.
- Optimized revenue generation by identifying upsell opportunities within existing customer base using data-driven insights.
- Balanced risk management with business growth objectives by carefully evaluating creditworthiness of prospective clients.
- Met with customers to assess needs and propose customized solutions.
- Delivered exceptional experience and maintained productive relationships with area small businesses.
- Structured and finalized secured and unsecured loans.
- Evaluated and negotiated contracts to procure favorable financial terms.
Relationship Manager III
JPMorgan Chase
09.2005 - 08.2022
- Prospected for new business through networking, community outreach and customer referral generation.
- Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
- Developed tailored solutions to meet individual banking needs.
- Opened, closed and updated accounts for customers.
- Set risk management policies to mitigate bank losses.
- Trained and mentored junior banking staff to maximize performance, efficiency and compliance.
- Represented bank at community events to establish strong ties and promote business.
- Utilized Salesforce CRM tool to generate leads.
- Checked accounts for fraud and provided law enforcement with relevant details.
- Developed customized solutions of deposit, lending and other products for small business customers.
- Produced and executed loan packages with average deal sizes over 2mm
- Performed loan servicing functions to check compliance with applicable terms and conditions.
- Built and maintained productive relationships with internal and external C-level executives to facilitate business success.
- Understood and applied selling techniques to open, develop and close sales and created product interest by actively cross-selling products and services to pursue customers.
- Oversaw total portfolio worth $100mm+
- Managed escalated phone calls by applying conflict resolutions skills and extensive knowledge of bank policies, products and services.
- Upheld stringent bank standards for loans, money handling and legal considerations.
District Manager
ADP
05.2003 - 09.2005
- Maintained sense of urgency in answering customer questions and requests through email or voice message.
- Created detailed sales presentations to communicate product features and market data.
- Cold called and conducted face-to-face sales calls with C-level executives and directors in assigned sales territory.
- Responded to telephone and in-person requests for information.
- Increased profitability and pipeline development by leveraging multiple sales strategies and distribution channels.
- Used consultative sales techniques to understand customer needs and recommend relevant products and services.
- Maximized customer retention by resolving issues quickly.
- Maintained sense of urgency in answering customer questions and requests through email or voice messaging.
- Maintained organized, presentable merchandise to drive continuous sales.
- Achieved top performance by strategically adapting to rapidly changing, competitive environment.
- Used prospecting and client development techniques to produce fresh leads and maintain solid conversion rate.
- Conducted on-site product demonstrations to highlight features, answer customer questions and redirect concerns toward positive aspects.
- Improved sales by managing sales lifecycle from lead generation through contract negotiations and closings.
- Applied knowledge of market and full range of innovative and unique products to meet customer needs, expanding company's customer base.
Education
Bachelor of Science - Marketing Management And Sales Management
The University of Akron
Akron, OH05-2003
Skills
- Portfolio management and revenue growth
- Expert commercial underwriting
- Extensive commercial credit training
- Complex analysis of financial statements
- New client prospecting and generation
- Credit structure negotiation
- Financial ratio calculations
- Treasury management and structure
- Commercial construction and investment real estate
- SBA underwriting and processes
- Operations management
- Excellent presentation, verbal and written communication skills
- Financial statement management
- Financial covenant management
- Sales leadership
- Forecasting
- Data analysis
- Risk management
- Center of influence relationship building
- Proposal and commitment writing
- Product demonstrations
- Team leadership through coaching and mentoring
- Complex problem-solving
Accomplishments
- Grew customer base 30% and deposits by $20+ mm annually
- Resolved product issue through consumer testing.
- Supervised junior bankers to train and manage education and risk controls in order to accomplish proven sales results.
- Managed credit portfolio of over 45mm
5 time President's Club Banker
Timeline
Vice President Business Banking
Dollar Bank
12.2022 - Current
Relationship Manager III
JPMorgan Chase
09.2005 - 08.2022
District Manager
ADP
05.2003 - 09.2005
Bachelor of Science - Marketing Management And Sales Management
The University of Akron