Richard Andre Morales
Senior Management & Financial Services Professional
Vallejo,CA
Summary
Highly knowledgeable and accomplished senior management professional with an emphasis in customer service, sales and leadership and over 24 years of experience concentrated in the insurance and financial service industry as well as 19 years in entrepreneurial leadership training and personal development consultation. Aspire to utilize this experience to shift focus from individual planning into an integral role of an established team aiming to drive education and value in the employee benefit space.
Overview
25
25
years of professional experience
Work History
Sr Broker & Trainer (Independent Contractor)
The Valoram Group
02.2024 - Current
- Continuously updates personal knowledge of market developments, regulatory changes, and evolving insurance and investment strategies to maintain expertise and provide clients with accurate guidance.
- Secured numerous profitable deals for clients through constant monitoring of market movements and timely advice based on data-driven insights.
- Expanded the firm's clientele by building strong relationships with high tier pension clients.
- Participated in client review meetings to evaluate portfolio performance, discuss adjustments if necessary, and set future goals in line with their financial objectives.
- Train newer agents in all facets of agent sales and service responsibilities through hip to hip coaching.
Senior Marketing Director (Self-Employed)
World Financial Group, Pinnacle Elite Division
Concord, CA
01.2017 - 01.2024
- Life & Health Licensed in 12 states.
- Established and executed successful lead generation & marketing program.
- Educated clients & agents on various insurance, wealth management and retirement products across a platform of over 79 providers.
- Designed and implemented customized financial strategies for clients.
- Designed and built out a proprietary CRM and pipeline management tool as well as various agent support tools such as commission calculators, sales metric analysis tools and client review statements & communications.
- Designed, facilitated, and presented client and agent trainings both in online webinar format as well as in person.
- Worked closely with various labor union employees to review benefit packages and recommend additional insurance and retirement options better suited for individual plans.
- Responsible for training and oversight of an operations specialist and 10+ producing agents for sales & client underwriting processes end to end both remotely and in person.
- Recognized for increasing base shop sales revenue 60% YOY (2018-2019) & 21% YOY (2019-2020).
- WFG Success Society Watch Earner
- WFG Diamond Ring Earner
- 2-time Trip Qualifier for top 10% in production & recruitment
- Pinnacle Next Level Academy Graduate
- Pinnacle Growth Academy Graduate
Sr. Branch Manager, District Recruiting Champion
US Bank
Hercules, Pleasant Hill & Concord, CA
11.2009 - 01.2017
- Increased production across all metrics year over year at all branches (Pleasant Hill & Concord simultaneously): New Account Acquisition, Loan Production, Loan and Deposit Balance Growth, and Fee Income
- Responsible for B2B sales for commercial business lines (Relationship Management Accounts, Commercial Loan & SBA loan referrals, Merchant Card Processing, Business Credit products, Treasury Management services)
- Developed and facilitated ongoing leadership development and management readiness training program for North Bay In-Store District
- Facilitated planning calls, Manager and Banker meetings, and provided mentorship and counsel for other Managers in two different districts
- Functioned as primary District recruiting champion, managing new hire candidate requisitions, conducting interviews, and executing various recruitment marketing strategies via traditional and social networking
- Helped reduce overall open requisitions by 60% within two months and maintained that level through the development & implementation of an effective new hire onboarding strategy.
- 8 Quarterly Pinnacle Awards for being in top 10% of company in quarterly branch revenue growth and sales production.
- 3 consecutive Annual Pinnacle Awards for being in top 10% of company in YOY annual branch revenue growth and sales production.
- Developed and facilitated course on successful recruitment, onboarding, and new hire retention at National Annual Branch Manager Conference (CAMP).
- Served on various task forces compiling data, evaluating, presenting findings, and developing new strategies to increase effectiveness in both new hire onboarding and customer service/experience for division.
Store Manager 2, Assistant Vice President
Wells Fargo Bank, N.A.
Benicia, CA
03.2006 - 04.2009
- Recruited, managed, and coached staff of 12 service and sales professionals
- Increased store production and cross-sell from last to #2 (of 14) in district within 2 quarters
- Greatly reduced loss exposure and employee attrition during tenure.
- ILS certification (advanced leadership training), Stratton Consulting
- LEAD Program Graduate
Licensed Premier Banking Manager
Wells Fargo Bank, N.A
Pleasanton & Vallejo, CA
11.2000 - 03.2006
- Securities Licensed (Series 7 & 66)
- Maintained highest cross-sell ratio among sales platform each quarter.
- Managed modest portfolio of investment clients under $1M in assets.
- Consistent achievement and multiple time Quarterly and Annual Sales & Service Award winner for excellence in production and customer service.
Senior Account Executive
Household Finance
Newark, CA
11.1999 - 11.2000
- High volume of outbound sales calls (over 100 per day) with exceptional closing ratio.
- Created detailed analyses of client financial data as well as counseled clients through debt reduction programs.
- Trained newer staff in sales and presentation processes.
- Met with prospective clients to share financial analysis and loan offerings, employed needs based sales closing strategies to improve client's financial situation.
Education
Some College - Business Administration And Management
California State University - East Bay
Hayward, CASkills
- Business administration
Key decision making
Campaign development
Staff Management
High Level Sales
Conflict Resolution
Sales Management
Coaching and Mentoring
Strategic planning
Communications expertise
Market planning and execution
Performance Tracking
Analytical and Problem-solving skills
Recruiting and Human Resource Management
Facilitation
Affiliations
2003-2011 TEAM Leadership Development Organization
- Served as a paid speaker and coach in business and personal development
Timeline
Sr Broker & Trainer (Independent Contractor)
The Valoram Group
02.2024 - Current
Senior Marketing Director (Self-Employed)
World Financial Group, Pinnacle Elite Division
01.2017 - 01.2024
Sr. Branch Manager, District Recruiting Champion
US Bank
11.2009 - 01.2017
Store Manager 2, Assistant Vice President
Wells Fargo Bank, N.A.
03.2006 - 04.2009
Licensed Premier Banking Manager
Wells Fargo Bank, N.A
11.2000 - 03.2006
Senior Account Executive
Household Finance
11.1999 - 11.2000
Some College - Business Administration And Management
California State University - East Bay