Nicholas Zotto
Greenfield,NH
Summary
Successful Lender with nearly 3 years of coordinating, executing, and maintaining large dollar, and often complex, financing. Working across departments to meet tight deadlines for reporting. Maintaining and updating processes to meet policy & regulatory requirements and improve workflow. Accomplished banker with over 7 years of banking experience including business development, community outreach, management, peer mentoring and operational effectiveness. More than 20 years of strong sales and exceptional interpersonal communication. Proven history of doing whats right for my customers, my colleagues and my company.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Lender
New Hampshire Community Loan Fund, Inc.
Concord, NEW HAMPSHIRE
08.2021 - Current
- Develop & review loan and amendment packages with appropriate terms, conditions, and repayment options.
- Report on various aspects of the organization's current portfolio and pipeline.
- Coordinate with other departments within the organization to process loan documents, reporting, and loan management, in a timely manner.
- Update process and procedures as needed to improve workflow and maintain regulatory and finance policy compliance.
- Responsible for monthly Portfolio Management meetings and as needed Loan Review Committee meetings.
- Maintain relationships with existing customers & their management companies by providing ongoing support throughout the life cycle of their loans.
- Participate in industry events such as conferences or seminars.
- Manage delinquency issues by working closely with customers on payment arrangements or restructuring loans as needed.
- Update client account information and records in company databases.
- Assess feasibility of loan approval by reviewing financial history, and future infrastructure financing needs.
- Conduct periodic reviews of existing loan portfolio to ensure compliance with all applicable regulations.
Branch Manager
People's United Bank
Peterborough, NH
03.2020 - 06.2021
- Networked within communities to identify and capitalize on business opportunities.
- Developed and maintained client rapport to meet financial service needs and drive branch loyalty.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.
- Produced sales by executing complete sales cycle process from prospecting through contract negotiations and close.
- Educated customers on variety of loan products and available credit options to promote valuable decision-making.
- Designed sales and service strategies to improve revenue and retention.
- Evaluated historical, current and forecast data to determine opportunities for development and enhancement.
Small Business Relationship Banker
Citizens Bank
Amherst, NH
01.2016 - 03.2020
- Meet or exceed significant quarterly sales goals.
- Responsible for obtaining, growing and maintaining all in branch business relationships through outbound, in person and over the phone prospecting and outreach.
- Creating and fulfilling both business and personal lending opportunities including but not limited to personal equity lines, personal loans, student loans and student loan refinances, business loans and lines of credit.
- Work closely with a team of partners collaborating to meet the needs of all personal and business clients.
- Peer mentor. One on one development of individuals new to position from both inside and outside hires.
- Continue to fulfill all responsibilities of previous universal banker position.
Interim Branch Manager
Citizens Bank
Nashua, NH
07.2018 - 12.2018
- Oversaw branch team with three customer service representatives and two personal bankers and implemented training and coaching for all staff.
- Met or exceeded revenue goals during transitional period.
- Maintained operational effectiveness and regulatory requirements.
- Initiated a number of prospect outreach programs including offsite financial education seminars and continuing education opportunities.
Education
Bachelor of Arts - Philosophy
Saint Anselm College
Manchester, NH05.2008
Skills
- Document flow coordination
- Financial Reporting
- Strong interpersonal skills
- Financial Assessment
- Documentation Review
- Credit Analysis
- Portfolio Management
- Financial Industry Computer Systems
- Regulatory compliance
- Employee training
- Presentation and Public Speaking
- Customer and vendor relations
Community Involvement
- Finance Committee Member and Incoming Board Member, The River Center Family Resource Center
- Planning Board, Greenfield, NH
- Volunteer Judge, NH High School Ethics Bowl
Certification
- Stay, Work, Play Rising Stars Leadership Program Alumni
- UNH Next Level Leadership Consortium Alumni
Timeline
Lender
New Hampshire Community Loan Fund, Inc.
08.2021 - Current
Branch Manager
People's United Bank
03.2020 - 06.2021
Interim Branch Manager
Citizens Bank
07.2018 - 12.2018
Small Business Relationship Banker
Citizens Bank
01.2016 - 03.2020
Bachelor of Arts - Philosophy
Saint Anselm College
- Stay, Work, Play Rising Stars Leadership Program Alumni
- UNH Next Level Leadership Consortium Alumni
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