Nicholas Bronzino
Parsippany,NJ
Summary
Dynamic and results-driven individual with expertise in relationship management and identifying opportunities for revenue growth in the Business Banking sector.
Overview
19
19
years of professional experience
1
1
Certification
Work History
VICE PRESIDENT, RELATIONSHIP MANAGER
M&T Bank
12.2023 - Current
- I cultivated and maintained long-term relationships with business clients, ensuring the delivery of tailored financial solutions and high customer satisfaction
- I managed a $65 million loan portfolio, focusing on business lending opportunities in Summit, Parsippany, and Gillette
- I achieved 80% of my annual deposit goals, generating $1.2 million in checking deposits (target: $1.5M) and $228K in savings deposits (target: $285K)
- Additionally, I closed $2.7 million in new loans, reaching 80% of the annual loan target of $5 million
- Through data analysis, I identified cross-selling opportunities that increased product adoption and revenue growth
- I also led the rollout of new banking products and services, training clients and enhancing satisfaction and retention
- By developing and executing strategic plans, I increased client retention by offering evolving, customized banking solutions
- Actively engaging with local chambers of commerce, business groups, and community organizations, I helped expand M&T Bank's presence and generated new business leads
- I coached and mentored branch managers, driving business results, helping them achieve financial goals, and improving team performance
- Throughout my tenure, I ensured compliance with banking regulations while monitoring client accounts to mitigate risk and maintain operational integrity
BUSINESS BANKER
Ion Bank / Formally Lincoln 1st Bank
02.2022 - 12.2023
- I managed a $50 million commercial loan portfolio, providing tailored financing solutions to clients
- In this role, I coordinated and led sales meetings, collaborating with management and underwriters to analyze credit strengths and weaknesses
- I worked closely with management to structure loans, determine pricing, and select the most appropriate product services for each client
- Additionally, I developed new business through external networking and building strong client relationships
- I created term sheets and prepared loan documentation in collaboration with management, ensuring accuracy and compliance
- I also proactively identified portfolio weaknesses and alerted management, helping to mitigate risk and ensure the overall health of the portfolio
AVP CONSUMER LENDING
Kearny Bank
08.2021 - 02.2022
- Managed and maintained the budget for the Home Equity Loan program, overseeing loan processing and client services to ensure efficiency and accuracy
- Collaborated closely with bank locations on referrals and worked with processors to guarantee timely loan progress
- Originated and closed $15 million in Home Equity loans, while partnering with mortgage loan officers to guide clients toward the best available lending options
- Conducted rate surveys and competitive analysis, helping the bank stay competitive in the market and adjust strategies as needed to meet customer demands and market trends
BRANCH MANAGER/BUSINESS DEVELOPMENT OFFICER
Lincoln 1st Bank
05.2018 - 08.2021
- Presented lending deals to the credit committee and provided support to customers with online banking, bill pay, ACH origination, and wire transfers
- Managed a portfolio of 50 business clients, overseeing over $6 million in deposits and helping clients grow their businesses within the community
- Successfully built a pipeline of $11 million in commercial loans, surpassing sales goals for 2019 and Q1 2020
- Led the team in deposit growth, ranking among the top two for three out of four quarters in 2020, demonstrating strong performance and a commitment to driving business success
OPERATIONS MANAGER
Santander
01.2016 - 05.2018
- Oversaw standard banking operations, including managing cash, customer deposits, and money shipments, ensuring smooth and efficient daily transactions
- Provided leadership and training for customer service staff, fostering a sales-oriented environment while prioritizing exceptional customer experiences
- Organized and maintained audit documentation, ensuring strict compliance with bank operational standards and regulatory requirements
HEAD TELLER
T.D. Bank
01.2006 - 01.2016
- Managed cash flow, deposits, and customer transactions, ensuring smooth and efficient operations
- Provided exceptional customer service while maintaining accurate, audit-compliant records
- Oversaw vault operations, ensuring secure handling of cash and maintaining the integrity of all transactions
Education
High School Diploma -
Hanover Park Regional High School
East Hanover, NJ06-2006
Skills
- Expertise in leading teams, fostering collaboration, and driving performance
- Proficient in managing loan portfolios, assessing credit risk, and delivering tailored financial solutions
- Skilled in building lasting relationships, enhancing client satisfaction, and driving retention
- Strong in developing strategies, financial analysis, and risk management to guide business decisions
- Excellent negotiation skills and communication expertise, with a focus on cross-selling financial products and services
Affiliations
- Vice President, Montville Chamber of Commerce
- Vice President, Parsippany Police Athletic League
- Officer, Knights of Columbus
- Board Member, Montville 4th of July Planning Committee
- Ambassador, Parsippany Area Chamber of Commerce
- Coach, Par-Troy Little League
- Officer, Sons of Italy
- Vice President, Montville Unico
- Member, West Essex Business Partnership
Certificationsandcourses
- Completed professional development courses through the American Bankers' Association, including Authentic Leadership, Building Collaborative Teams, Communicating Vision, Empowerment, and Leadership in Action (2024).
- Analyzing Financial Statements 207 and Commercial Lending 101 (2023).
- The RMA Lending Academy 1 (2019).
Education - Highschool
Hanover Park Regional High School, East Hanover, NJ
Certification
● AMERICAN BANKERS’ ASSOCIATION 2024
● (Authentic Leadership, Building Collaborative Teams, Communicating Vision, Empowerment, Leadership in Action)
● AMERICAN BANKERS ASSOCIATION 2023
(ANALYZING FINANCIAL STATEMENTS 207 & COMMERCIAL LENDING 101)
● The RMA Lending Academy 1 2019
Timeline
VICE PRESIDENT, RELATIONSHIP MANAGER
M&T Bank
12.2023 - Current
BUSINESS BANKER
Ion Bank / Formally Lincoln 1st Bank
02.2022 - 12.2023
AVP CONSUMER LENDING
Kearny Bank
08.2021 - 02.2022
BRANCH MANAGER/BUSINESS DEVELOPMENT OFFICER
Lincoln 1st Bank
05.2018 - 08.2021
OPERATIONS MANAGER
Santander
01.2016 - 05.2018
HEAD TELLER
T.D. Bank
01.2006 - 01.2016
● AMERICAN BANKERS’ ASSOCIATION 2024
● (Authentic Leadership, Building Collaborative Teams, Communicating Vision, Empowerment, Leadership in Action)
● AMERICAN BANKERS ASSOCIATION 2023
(ANALYZING FINANCIAL STATEMENTS 207 & COMMERCIAL LENDING 101)
● The RMA Lending Academy 1 2019
High School Diploma -
Hanover Park Regional High School
Similar Profiles
Bryan OrsinoBryan Orsino
BRANCH MANAGER at M&T BankBRANCH MANAGER at M&T Bank
Maksuda AkterMaksuda Akter
QA Automation Engineer at M&T BankQA Automation Engineer at M&T Bank
Alexandros MaroulisAlexandros Maroulis
Consumer Asset Manager/Collection Specialist I, II, III at M&T BankConsumer Asset Manager/Collection Specialist I, II, III at M&T Bank