Ricardo E. Cruz
Cartersville,USA
Summary
Dynamic Commercial Card Relationship Manager with a proven track record at Truist, excelling in client management and cross-functional collaboration. Expert in driving customer adoption and retention, leveraging financial analysis to enhance program performance. Adept at building strong relationships and delivering tailored solutions that align with client objectives, ensuring long-term success.
Overview
26
26
years of professional experience
Work History
Commercial Card Relationship Manager, VP
Truist
Atlanta, Georgia
09.2022 - Current
- Own end-to-end post-sale relationships for enterprise and upper mid-market commercial card and payables programs, serving as the primary strategic partner to finance, treasury, and operations leaders.
- Led renewal and expansion planning for high-value client portfolios, collaborating with internal sales and product teams to drive growth, maximize lifetime value, and enhance retention.
- Drove customer adoption, retention, and long-term value by aligning payment and spend solutions with client workflows, growth objectives, and operational complexity. Monitored adoption and utilization patterns to identify risks, expansion opportunities, and strategic engagement priorities.
- Supported multi-million-dollar commercial card programs across complex enterprise portfolios, fostering strong client trust, engagement, and sustained program performance.
- Act as the primary escalation point for complex client issues, balancing customer satisfaction, risk considerations, and long-term partnership outcomes. Collaborate cross-functionally with product, implementation, risk, servicing, and marketing teams to resolve challenges and accelerate time-to-value.
- Tailored customer success strategies to fit diverse company cultures and sizes.
Commercial Loan Officer
Peach Tree Commercial Capital
06.2022 - 09.2022
- Prospected business clients to secure alternative funding solutions, including equipment funding, lines of credit, SBA 7(a), and factoring
- Nurtured relationships with lending sources to facilitate funding options for clients
- Cultivated relationships with Cobb Chamber of Commerce and Georgia Hispanic Chamber of Commerce to enhance business networking opportunities
Mortgage Loan Originator, Assistant Vice President
Truist
04.2021 - 06.2022
- Executed targeted mortgage marketing and development plans, achieving and surpassing production goals
- Provided tailored mortgage advice to clients, aligning solutions with their specific needs
- Maintain a complete and thorough knowledge of the Mortgage Strategies, Policies and Procedures.
- Adhere and comply fully with any and all Truist policies and procedures related to internal and external rules and regulations, particularly those established by State and Federal Law
Branch Leader, Assistant Vice President
Truist
01.2019 - 01.2021
- Drove branch revenue by developing small business relationships and implementing new client strategies.
- Drove production in retail and small business lending through targeted initiatives and relationship management.
- Drove business development of branch to enhance team and individual performance through increased personal productivity.
- Facilitated collaboration between Integrated Relationship Management and other business lines in the community bank
Market Leader III, Assistant Vice President
Branch Banking & Trust
Atlanta, USA
01.2018 - 01.2019
- Atlanta, GA
BB&T @Work Financial Wellness Consultant, Assistant Vice President
Branch Banking & Trust
Atlanta, USA
01.2012 - 01.2018
- Executed sales calls to decision-makers, promoting BB&T @Work benefits package and delivering tailored cash flow management solutions.
- Partnered with Community Bank and other business lines to establish reciprocal sales relationships, enhancing corporate and commercial portfolio penetration.
- Led retail teams and trained individuals to cultivate an extended sales force, driving engagement and sales effectiveness.
- Represent Bank through community and professional involvement in groups and associations to develop contacts and potential business.
- Atlanta, GA
Relationship Banker II
Branch Banking & Trust
Atlanta, USA
01.2011 - 01.2012
- Atlanta, GA
- Cultivated strong customer relationships through personalized banking solutions and exceptional service.
- Assisted clients with account inquiries and transactions, ensuring accurate processing.
- Educated customers on banking products, enhancing their financial knowledge and options.
Branch Manager II
Sovereign Bank
01.2009 - 01.2011
- Massachusetts and New Hampshire
- Oversaw daily operations and ensured compliance with banking regulations.
- Managed staff performance and provided training to enhance team skills.
- Developed branch goals and strategies to improve customer satisfaction.
Various
Lowell Five Cent Saving Bank
Lowell, USA
01.2000 - 01.2009
- Held roles as Teller, Customer Service Representative, and Assistant Branch Manager, facilitating customer transactions and addressing inquiries to enhance service experience.
- Lowell, MA
- Completed day-to-day duties accurately and efficiently.
- Contributed innovative ideas and solutions to enhance team performance and outcomes.
- Worked successfully with diverse group of coworkers to accomplish goals and address issues related to our products and services.
Education
Some College (No Degree) - Accounting And Finance
Kennesaw State University
Kennesaw, GA, USASkills
- Payment solutions management
- Account management
- Salesforce expertise
- Stakeholder engagement
- Relationship management
- Client management
- Sales presentations
- Cold calling
- Microsoft Office suite
- Problem solving
- Cross-functional collaboration
- Credit risk assessment
Highlights And Proficiencies
Prospecting and cold calling, Creating and delivering sales presentations, Integrated Relationship Management, Strong interpersonal skills, Microsoft Office, Sales Force, Client Central, Fluent in English and Spanish, Toastmasters International: Competent Communicator Award; Competent Leader Award
Professional Development
Participated in the following courses at the Center for Financial Training: Law and Banking Principles, Accounting, Principles of Banking, Economics for Bankers, Analyzing Financial Statements, Marketing for Bankers, Consumer Lending, Money and Banking, Residential Mortgage Lending, Business Math, and Selling Skills
Languages
Spanish
Professional
Timeline
Commercial Card Relationship Manager, VP
Truist
09.2022 - Current
Commercial Loan Officer
Peach Tree Commercial Capital
06.2022 - 09.2022
Mortgage Loan Originator, Assistant Vice President
Truist
04.2021 - 06.2022
Branch Leader, Assistant Vice President
Truist
01.2019 - 01.2021
Market Leader III, Assistant Vice President
Branch Banking & Trust
01.2018 - 01.2019
BB&T @Work Financial Wellness Consultant, Assistant Vice President
Branch Banking & Trust
01.2012 - 01.2018
Relationship Banker II
Branch Banking & Trust
01.2011 - 01.2012
Branch Manager II
Sovereign Bank
01.2009 - 01.2011
Various
Lowell Five Cent Saving Bank
01.2000 - 01.2009
Some College (No Degree) - Accounting And Finance
Kennesaw State University