Monique Hernandez
Fairfield,CT
Summary
Experienced professional with solid experience in leadership roles. Adept at implementing strategic business plans, driving growth and improving operations. Collaborative and dedicated candidate successful at managing multiple priorities with a positive attitude.
Overview
20
20
years of professional experience
Work History
Managing Partner
Maxxclean, LLC
09.2016 - Current
- Increased client base by 75% implementing effective marketing strategies and fostering long-term relationships.
- Negotiated high-value contracts with clients, securing profitable partnerships for company.
- Optimized resource allocation, reducing operational costs by 35% while maintaining service quality standards.
- Established and implemented business procedures and process improvements.
- Established and maintained strong relationships with customers, vendors and strategic partners.
Sr. Loan Operations Specialist
Patriot Bank
12.2018 - 10.2020
- Reviewed and assessed 5-10 loan files per week to ensure pre-closing, booking, and post closing procedures are met and in compliance with BSA, HMDA, and CRA regulations.
- Managed entire loan escrow process, including disbursements, payments, delinquent accounts, and flood escrow compliance.
- Monitored high-risk loans for delinquent tax and insurance payments and manage force placed insurance and collection processes.
- Streamlined loan processing by implementing efficient workflow procedures and utilizing industry-specific software.
Business Relationship Manager
Chase Bank
06.2017 - 12.2018
- Managed portfolio of 90 key accounts, ensuring consistent revenue generation and account retention.
- Developed customized solutions in response to unique client needs, fostering long-term partnerships.
- Implemented robust risk management strategies to protect organization from potential losses and reputational damage.
- Developed and maintained strong working relationships with professionals within assigned territory overseeing seven retail branches and partnering with merchant, treasury and payroll departments.
- Committed to monitoring regulatory landscapes to ensure compliance with industry standards.
- Built rapport with prospective clients through effective networking events, conferences, and industry gatherings.
Small Business Banker
Bank of America
12.2015 - 06.2017
- Increased small business client satisfaction by providing tailored financial solutions and exceptional customer service, while supporting 5 retail branches.
- Conducted comprehensive financial reviews for new and existing clients, identifying opportunities for growth and improvement.
- Once needs were identified, executed accordingly and coordinated client involvement with other product specialists including wealth management, payroll, treasury, and merchant partners.
- Worked with borrowing clients to procure updated financial information on ongoing basis using Salesforce client management tools.
Business Relationship Manager
Wells Fargo Bank
10.2013 - 12.2015
- Managed and grew $8 MM portfolio, providing array of financial solutions to privately owned businesses with revenues between $2-20 MM, with concentration in commercial real estate assets.
- Collaborated closely with product development teams to ensure alignment between client requirements and offerings.
- Drove store revenue by offering customers accessories and related purchases to complete selections.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads using CRM Tools.
Business Associate
Wells Fargo Bank
07.2012 - 10.2013
- Supported three Business Relationship Managers with client on-boarding and portfolio management responsibilities.
- Performed all KYC, CDD, and EDD procedures for routine and transactions and set up of complex services such as DACAs and foreign exchange transactions.
- Developed training for three Business Associates to improve client onboarding process for Connecticut Business Banking office.
- Optimized customer experience by delivering superior services and effectively troubleshooting issues.
Service Manager
Wells Fargo Bank
11.2010 - 07.2012
- Managed risk and compliance obligations of branch, headed preparation of all internal audits, and made sound risk decisions on daily basis.
- Coordinated all daily, weekly, and monthly compliance tasks for store manager and team members.
- Established performance goals for team of 5-7 direct reports and provided feedback on methods for reaching those milestones.
- Opened and closed location and monitored shift changes to uphold successful operations strategies and maximize business success.
Personal Banker/Lead Teller
Community Resource Bank
01.2008 - 03.2009
- Developed thorough knowledge of bank’s policies, procedures, products, and services and ensured branch operated in regulatory compliance.
- Collaborated with six branch team members to achieve monthly sales targets and improve overall performance.
- Managed banks operating environment and applicable systems.
Licensed Personal Banker
Chase Bank, N.A
07.2005 - 08.2006
- Managed client onboarding process for new and existing clients who needed personal and small business banking, loan investment products and services.
- Contributed to branch sales goals by proactively identifying opportunities for cross-selling and up-selling banking products.
- Collaborated with 3-5 team members to ensure seamless service delivery during high-volume periods or staff shortages.
Loan Officer
Safeguard Mortgage
07.2004 - 06.2005
- Improved loan processing efficiency by streamlining application procedures and documentation requirements.
- Assisted clients in selecting appropriate loan products for their needs, resulting in higher customer satisfaction.
- Managed diverse portfolio of loans while maintaining strong relationships with borrowers and referral partners.
- Conducted thorough credit analysis to minimize risk exposure for financial institution.
Public Relations Intern
Meryl L. Moss Media Relations
02.2004 - 07.2004
- Enhanced brand visibility by executing strategic public relations campaigns.
- Developed compelling press releases for successful media coverage and increased awareness.
- Assisted in organization of promotional events, boosting brand recognition and engagement.
- Conducted thorough research on industry trends to inform communication strategies and improve messaging effectiveness.
Education
Certificate - Certified Anti-Money Laundering Specialist
ACAMS
MBA - Economic Crime And Fraud Management
Utica College
Utica, NY08.2020
Bachelor of Arts - Communications
Fairfield University
Fairfield01.2004
Skills
- Operations Management
- Revenue Growth
- Talent Development
- Training and mentoring
- Escalation Handling
- Business partnership development
- Customer-focused
- Business development expertise
- Portfolio Management
- Risk Assessment Abilities
Timeline
Sr. Loan Operations Specialist
Patriot Bank
12.2018 - 10.2020
Business Relationship Manager
Chase Bank
06.2017 - 12.2018
Managing Partner
Maxxclean, LLC
09.2016 - Current
Small Business Banker
Bank of America
12.2015 - 06.2017
Business Relationship Manager
Wells Fargo Bank
10.2013 - 12.2015
Business Associate
Wells Fargo Bank
07.2012 - 10.2013
Service Manager
Wells Fargo Bank
11.2010 - 07.2012
Personal Banker/Lead Teller
Community Resource Bank
01.2008 - 03.2009
Licensed Personal Banker
Chase Bank, N.A
07.2005 - 08.2006
Loan Officer
Safeguard Mortgage
07.2004 - 06.2005
Public Relations Intern
Meryl L. Moss Media Relations
02.2004 - 07.2004
Certificate - Certified Anti-Money Laundering Specialist
ACAMS
MBA - Economic Crime And Fraud Management
Utica College
Bachelor of Arts - Communications
Fairfield University