Milo Tudor Caruncho
Miami Beach,FL
Summary
Accomplished banking professional with a proven track record at Wells Fargo, adept in financial product advisement and fostering robust client relationships. Excelled in team development and sales expertise, significantly enhancing small business banking portfolios. Skilled in audit preparation and staff training, consistently achieving and surpassing sales targets through strategic planning and community engagement.
Overview
5
5
years of professional experience
Work History
Branch Small Business Banker
Wells Fargo
Surfside, FL
09.2023 - Current
- Managed a diverse portfolio of small business clients, ensuring their unique financial needs were met efficiently and effectively.
- Delivered customized lending solutions to help small businesses achieve their short-term and long-term objectives.
- Maintained up-to-date knowledge of industry trends, regulations, and competitor offerings to provide informed recommendations to clients.
- Developed strategies to increase deposit growth by offering competitive products and services tailored to small business needs.
- Acted as a primary point of contact for a book of small business customers with gross annual revenue of between $100M and $1MM that includes over 150 business customers from a wide range of industries.
- Worked proactively to develop and nurture both new and existing business relationships, while working with a team of bankers specializing in other areas of both small business and commercial banking to ensure all of customers needs are met.
- Developed close ties to local community organizations as well as regional small business support groups and initiatives to further advance relations between the bank; and our local non profit and charitable organizations.
- Collaborated extensively with partners to ensure a streamlined and effective transaction flow for customers, working closely with SBBR partners, merchant services, payroll and investment bankers to great deal teams capable of solving complex business needs, analyzing and assessing business cash flow and operating cycles when providing solutions to small business and commercial customers.
Assistant Branch Manager
Tri Counties Bank
Nevada City, CA
10.2022 - Current
- Trained and developed new team members in alignment with Bank service standards and objectives, both operationally and sales wise.
- Supervised team of 6-9 branch employees and made recommendations regarding performance evaluations.
- Supervised and evaluated staff, enabling them to improve skills, achieve daily objectives and attain advancement.
- Implemented and monitored Standard Operating Procedures (SOP), to ensure transactions are processed in compliance with federal regulations.
- Open/sell Bank products, including Checking, Savings, CDs, IRAs, safe deposits boxes, wire transfers, etc.
- Oversaw the completion of reports and audits, some examples include: monthly audits of the vault, ATM and all tellers, both expected and unexpected, Travelers Checks, Overdraft reports, review of control accounts report, balancing of Safe Deposit and keys inventory, NSF Reports, as well as auditing of new accounts for both business and personal entities as well as the revision and if needed, correction, of superseded accounts.
- Assisted the Branch Manager in the credit/Loan servicing area by interviewing and counseling existing and prospective customers and determining how we can meet their lending needs.
- Maintained a current understanding of Bank policies and procedures in compliance with all federal and state laws, including but not limited to Bank Secrecy Act (SARs, CIP, OFAC), Information Security (GLBA), Identity Theft Red Flags, Financial Elder Abuse Reporting etc...
Senior Teller II
Tri Counties Bank
Nevada City, CA
03.2022 - 10.2022
- Served the branch in a broad-based, overall “utility” type role. Participated in, as well as directed, customer service activities under the direction of the Assistant Branch Manager. Acted as lead teller, responsible for teller line activities and activities which supported identifying financial solutions for customers.
- Managed overdraft reports and performed audits.
Personal Banker
Tri Counties Bank
Nevada City, CA
11.2021 - 03.2022
- Assisted customers with setting up or closing accounts, completing loan applications and signing up for new services.
- Promoted financial products by maintaining excellent service offering knowledge.
- Worked closely with management to strategize sales techniques to increase branch production and customer service.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
Teller
Tri Counties Bank
Nevada City, CA
11.2019 - 11.2021
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Processed customer transactions promptly, minimizing wait times.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Identified sales opportunities and referred customers to branch partners in financial services.
Education
Associate of Arts - Finance
Sierra College
Rocklin, CAHigh School Diploma -
Bear River High School
Grass Valley, CA06.2016
Skills
- Financial Product Advisement
- Sales Expertise
- Audit Preparation
- Credit Risk Evaluation
- Team Development
- Staff Management
- Staff Training
- Client Relationship Management
- Risk Management
- Community Reinvestment Act
- Human Resources Knowledge
- NMLS
Languages
Spanish
Native or Bilingual
Timeline
Branch Small Business Banker
Wells Fargo
09.2023 - Current
Assistant Branch Manager
Tri Counties Bank
10.2022 - Current
Senior Teller II
Tri Counties Bank
03.2022 - 10.2022
Personal Banker
Tri Counties Bank
11.2021 - 03.2022
Teller
Tri Counties Bank
11.2019 - 11.2021
Associate of Arts - Finance
Sierra College
High School Diploma -
Bear River High School