Paul Richied
Indian Land,SC
Summary
Highly motivated small business commercial banking professional with 10 + years of proven experience in financial services, relationship management, business banking, sales, lending, and delivering consistent client-focused solutions. Successful in fast-paced/changing environments demanding strong organizational, analytical, verbal, written, and interpersonal communication skills. Excellent ability in developing strong relationships with clients, associates, and internal partners in person and by phone. Driven, ambitious, and determined to succeed
Overview
11
11
years of professional experience
Work History
AVP, SENIOR BUSINESS RELATIONSHIP MANAGER - HEALTH
Wells Fargo Bank, N.A.
05.2021 - Current
- Managed onboarding, maintenance, and growth/deepening of 200+ medium-large sized healthcare and practice clients
- Strengthened client relationships by consistently delivering high-quality service and support.
- Worked as lead in coordinating deal teams involving Practice Finance, Commercial Real Estate, Treasury Management, SBA, and Financial Advisors/Wealth Partners
- Experience sourcing new business through referrals, cold calling, COI’s, and consistent proactive conversations with existing book of business
- Strong attention to detail and risk when working with clients to prevent fraud, processing errors, and risk related banking activities
- Successful in holding financial review conversations to understand current and future objectives/goals and putting together a business plan/strategy that would assist with meeting those objectives/goals
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Ability in performing financial analysis in the areas of account activity, credit, cash flow, and collateral to better understand client’s cash management needs
- Experience with credit policy, deal quality, financials, and business credit underwriting
- Excellent problem-solving abilities when it comes to service and client experience issues.
BUSINESS BANKING ADVISORY SPECIALIST
Wells Fargo Bank, N.A.
01.2020 - 05.2021
- Worked with book of financial centers and their business customers to provide education around commercial banking products/services
- Enhanced client satisfaction by providing tailored advisory services and strategic recommendations.
- Very successful in collaborating with Business Relationship Managers, Middle-Market Relationship Managers, and specialized partners (TM, SBA, SBL) to meet business client’s more complex needs
- Managed large referral pipelines through proactive follow-up with business relationship managers and clients by phone/email
- Strong attention to detail as shown in opportunity write-ups, payroll verification forms, and pipeline management
- Very resourceful in problem solving through utilizing resources, procedures, and partners to find answers
- Developed strong understanding of Commercial Real Estate Lending, SBA Lending, Treasury Management, Small Business Lending, and other complex business products
- Successful with time management, organization, and meeting deadlines
- Led training sessions on industry best practices and emerging trends, enhancing team capabilities and expertise.
LICENSED PERSONAL BANKER II - BUSINESS ADVOCATE
Wells Fargo Bank, N.A.
04.2017 - 01.2020
- Responsible for effectively pursuing, managing, and growing new and existing small business and consumer relationships in person and by phone/email
- Established rapport with business clients through attentive listening, understanding their financial needs, and recommending suitable products and services.
- Developed and led new business growth through prospecting local business's, creating COI's, following-up on prospect leads, and sourcing from existing client relationships
- Highly successful in establishing partnerships with multiple business lines in order to meet client's needs.
- Highly proactive and creative in problem-solving complex service and transaction issues for consumer clients and businesses while following strict risk management procedures.
- Experience reviewing/analyzing client's banking activity and financial documents to identify potential credit and cash management needs
PERSONAL BANKER I - BUSINESS ADVOCATE
Wells Fargo Bank, N.A.
06.2015 - 04.2017
- Responsible for delivering exceptional customer service in person and by phone to consumer and business clients
- Built life-long customer relationships through proactive outreach, follow-up, and relationship building
- Generated new business by conducting thorough financial needs assessments and offering tailored products to clients.
- Built strong relationships with branch team members and partners to provide full suite of financial products and solutions for client’s needs
- Ability to follow policies, procedures, and regulations to identify potential fraud/risk-based account openings and deposits.
PREMIER SALES SPECIALIS II
Wells Fargo Bank, N.A.
03.2014 - 06.2015
- Responsible for taking incoming calls from Wells Fargo Partners and High Net Worth clients to provide consultative and needs based product recommendations and details
- Worked with managers and team members in developing sales plans, strategies, and personal training to increase profit per call for sales teams.
CONSUMER PHONE BANKER 2
Wells Fargo Bank, N.A.
01.2013 - 02.2014
- Successfully managed and handled 70 plus service related issues/needs daily
- Proven ability in providing excellent customer service for various service-related issues.
Skills
- Relationship Management
- Interpersonal Communication
- Partnership Development
- New Business Development
- Risk Mitigation
- Commercial Lending
- Healthcare Business Banking
- Problem-Solving
- Adaptability
Timeline
AVP, SENIOR BUSINESS RELATIONSHIP MANAGER - HEALTH
Wells Fargo Bank, N.A.
05.2021 - Current
BUSINESS BANKING ADVISORY SPECIALIST
Wells Fargo Bank, N.A.
01.2020 - 05.2021
LICENSED PERSONAL BANKER II - BUSINESS ADVOCATE
Wells Fargo Bank, N.A.
04.2017 - 01.2020
PERSONAL BANKER I - BUSINESS ADVOCATE
Wells Fargo Bank, N.A.
06.2015 - 04.2017
PREMIER SALES SPECIALIS II
Wells Fargo Bank, N.A.
03.2014 - 06.2015
CONSUMER PHONE BANKER 2
Wells Fargo Bank, N.A.
01.2013 - 02.2014
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