NIKITA GONCHAROV
FIRST NATIONAL BANK
State College,PA
9
years of professional experience
Bilingual English/Russian banking professional with experience in relationship banking, consumer lending, branch operations, and consultative sales. NMLS licensed with experience identifying client needs, recommending financial solutions, generating referrals, and developing client relationships. Proven ability to support business growth, educate clients on lending products, and collaborate across teams to deliver exceptional service.
Work History
RELATIONSHIP BANKER
5 Months- Built and maintained client relationships by assessing financial needs and recommending personalized banking and lending solutions.
- Conducted outbound prospecting with existing and prospective clients to generate new business opportunities and deepen relationships.
- Generated referrals and cross-sold banking and lending products by matching clients with solutions aligned with their financial goals.
- Supported branch sales and growth objectives by identifying opportunities to expand client relationships and connect customers with appropriate financial solutions.
- Educated clients on consumer lending products, including Home Equity, HELOCs, auto loans, and other lending solutions, while identifying and referring qualified opportunities to lending partners.
- Opened and managed personal, savings, and business accounts while ensuring accuracy and compliance with bank policies and procedures.
- Assisted clients with domestic and international wire transfers, ACH payments, and other payment services while maintaining accuracy and attention to detail.
BANK TELLER
1 Year 4 Months- Led monthly team presentations on Home Equity and HELOC products, educating colleagues on promotional offerings and strategies to increase customer awareness and product knowledge.
- Trained new tellers on operational procedures, banking systems, and customer service standards.
- Identified referral opportunities based on customers’ financial needs and branch sales goals, contributing to overall branch performance.
- Supported the transition of customer accounts during the Jersey Shore State Bank merger with Northwest Bank, helping ensure continuity of service for clients.
- Supported teller operations across multiple branch locations, adapting to different teams and workflows while maintaining efficient client service.
- Handled daily cash transactions and balancing responsibilities with accuracy while following established banking procedures and controls.
INSIDE SALES REPRESENTATIVE
5 Months- Generated qualified leads through targeted outbound calls, scheduling appointments for sales representatives and contributing to overall sales growth.
- Built relationships with prospective customers through consultative conversations, effectively communicating product value and benefits to generate qualified sales opportunities.
- Educated customers on product features, benefits, pricing, and service options to support informed purchasing decisions.
- Strengthened customer follow-up processes by confirming satisfaction, addressing customer needs, and encouraging repeat business.
- Maintained detailed CRM records by documenting client interactions, follow-ups, and customer information to support effective sales outreach and relationship management.
RETAIL CASHIER
4 Years 2 Months- Processed cash, credit, and debit transactions accurately, facilitating smooth purchasing and return processes while maintaining transaction accuracy.
- Greeted customers warmly, assisted with inquiries, and informed them about store promotions and loyalty programs, fostering customer engagement.
- Resolved customer complaints and escalated complex issues to management.
- Trained new cashiers on register operations and customer service protocols effectively.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Education
- Information Technology
- Database Management
- Business Development
- Cybersecurity
- System Analysis
- Networking
Skills
Consumer & Business Banking
Consumer Lending
Account Opening & Maintenance
Cross-Selling & Referrals
Banking Operations
Client Relationship Management
Financial Analysis
Consultative Sales
Timeline
RELATIONSHIP BANKER
FIRST NATIONAL BANK
05.2026 - CurrentRead More
BANK TELLER
NORTHWEST BANK
01.2025 - 05.2026Read More
INSIDE SALES REPRESENTATIVE
INTEGRITY WINDOWS & CONSTRUCTION
06.2024 - 11.2024Read More
RETAIL CASHIER
HOMEGOODS
08.2017 - 10.2021Read More
South Hills School of Business & Technology
from Information Technology
Read More