NICHOLAS A DIGRAZIO
TD Bank, NA
Sicklerville,USA
1
Certification
11
years of professional experience
Customer service professional with 10+ years of experience in banking, retail, and hospitality. Known for strong communication, problem-solving, and organizational skills, with a proven ability to build customer loyalty and support team success. Leader in loan intakes and closings. Notary, NMLS certified along with Life Insurance license. Professional financial services expert with comprehensive experience in managing client portfolios and providing strategic financial guidance. Known for collaborative approach and results-driven mindset, ensuring reliability and adaptability in dynamic environments. Skilled in investment analysis, financial planning, and fostering client relationships. Store leader in business banking approach, opening business accounts, business credit cards, small business lending referrals, and merchant service referrals.
Work History
Financial Service Representative
2 Years 11 Months- Provide personalized financial solutions by assessing client needs and recommending appropriate products such as loans, credit lines, and investment options.
- Build and maintain long-term client relationships through excellent customer service, trust, and clear communication.
- Process account openings, transactions, and loan applications while ensuring compliance with all banking regulations and company policies.
- Analyzed financial data to identify trends and provide actionable insights for clients.
- Facilitated cross-team collaboration to streamline processes and enhance services.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Assessed client risk tolerance levels, recommending suitable investments based on individual profiles and preferences.
- Successfully managed a diverse range of client accounts while maintaining strict adherence to regulatory guidelines.
- Met quarterly sales and service goals by actively identifying cross-selling opportunities.
- Resolve customer inquiries and issues promptly, ensuring a positive client experience.
- Educate clients on financial tools, online banking platforms, and account management best practices.
- Maintain up-to-date knowledge of financial products, market trends, and industry regulations.
- Assisted customers with mortgage/home equity loan intakes and small business lending.
- Performed mortgage/home equity loan closings.
- Assisted small business and personal customers with new account openings and maintenance on existing accounts.
Customer Service Representative
1 Year 6 Months- Provide primary support to customers, resolving inquiries, account issues, and product/service complaints.
- Promote bank products/services, manage account openings, and assist with lending and notary services.
- Maintain accurate records, update databases, and ensure compliance with policies.
- Resolved customer inquiries and issues through effective communication and problem-solving techniques.
- Maintained comprehensive knowledge of TD Bank products to provide accurate information and support.
- Collaborated with team members to enhance services and improve customer satisfaction ratings.
- Trained new employees on customer service protocols and best practices, fostering a supportive environment.
- Implemented quality assurance measures to ensure compliance with company standards in customer interactions.
- Managed high-stress situations effectively, maintaining professionalism under pressure while resolving disputes or conflicts.
- Developed strong product knowledge to provide informed recommendations based on individual customer needs.
Sales Associate
1 Year 2 Months- Delivered high-quality customer service, assisted with purchases, and maintained knowledge of promotions/products.
- Processed transactions efficiently while keeping sales floor organized and safe.
- Delivered exceptional customer service, enhancing client satisfaction and loyalty.
- Managed inventory levels, ensuring product availability and minimizing stock discrepancies.
- Trained new sales associates on product knowledge and company policies, fostering team development.
- Streamlined checkout processes, reducing wait times and improving operational efficiency within the store.
- Organized racks and shelves to maintain store visual appeal, engage customers, and promote specific merchandise.
- Handled cash transactions efficiently while adhering to company cash handling policies, ensuring accuracy in all financial exchanges.
- Managed returns, exchanges and refunds in accordance with store policy.
Food Server
5 Years 1 Month- Delivered exceptional food and beverage service, supported team operations, and managed customer concerns.
- Maintained menu knowledge, handled special dietary requests, and cultivated lasting customer relationships.
- Delivered exceptional customer service in high-volume dining environment.
- Managed food and beverage orders efficiently to ensure timely delivery.
- Collaborated with kitchen staff to enhance menu knowledge and improve service flow.
- Trained new team members on service standards and operational procedures.
- Followed food safety and sanitation guidelines to prevent foodborne illnesses and promote customer health and safety.
Education
High School Diploma
Skills
Financial Needs Analysis
Leadership and Coaching
Regulatory Compliance
Attention to Detail
Product Knowledge
Customer Service
Sales & Cross-Selling
Problem-Solving and Conflict Resolution
Hospitality
Time Management
Team Collaboration
Communication
Active Listening
Organization
Adaptability
Know your customer
Cash flow management
Sales and marketing
Retirement planning
Customer relationship building
Cash handling
Teller transactions
Cash management
Customer relationship management
Loan applications
Certification
- Notary License
- NMLS Certification
- Life Insurance License
Timeline
Financial Service Representative
TD Bank, NA
08.2023 - CurrentRead More
Customer Service Representative
TD Bank, NA
02.2022 - 08.2023Read More
Sales Associate
Under Armour
11.2020 - 01.2022Read More
Food Server
Adelphia Restaurant & Lounge
07.2015 - 08.2020Read More
Timber Creek Regional High School
High School Diploma
Read More