Ritu Bhayana
Bergenfield,NJ
Summary
Detailed Wealth Advisor excited to transition to a new company where wealth planning expertise can be fully utilized. Skilled at recommending suitable investment products and services based on client objectives. Excellent in person and telephone demeanor to comply with all industry regulations and rules.
Overview
30
30
years of professional experience
1
1
Certification
Work History
Wealth Advisor
Ramapo Wealth Advisors
06.2023 - Current
- Provide comprehensive wealth management and advisory services to a diverse client base
- Develop and implement tailored financial plans to meet clients' long-term financial goals
- Conduct regular portfolio reviews and adjust strategies as needed to ensure optimal performance
- Build and maintain strong client relationships through consistent communication and exceptional service
Premier Banker II
Wells Fargo Bank
01.2013 - Current
- Provide full-service banking to high-net-worth clients and oversee a portfolio of account relationships
- Partner with other banking divisions to identify and analyze complex business opportunities and succeed in growing client relationships
- Drive bank revenue by developing strong relationships with clients to gain a comprehensive view of their financial needs and then recommend products/solutions and financial services
- Maintain an existing book of business of investments, loans, deposits, and credit products, and create strategic alliances with internal departments to further enhance the customer experience and needs
- Dealt with high business value clients, providing specialized services to meet their complex financial needs, including commercial lending and advanced financial solutions
- Demonstrated expertise in commercial lending, assessing and structuring complex loans to meet the unique needs of business clients
Personal Banker II
Wells Fargo Bank
01.2000 - 01.2013
- Achieved personal production goals by expanding existing relationships and acquiring new relationships by utilizing effective calling techniques and leveraging bank products and services
- Researched, compiled, and prepared data for financial studies of prospective sponsoring agencies and developers, including financial standing, fiscal responsibility, history, compatibility, and potential for long-range growth
- Adhered to operational controls including legal, corporate, and regulatory procedures to ensure the safety and security of customer and bank assets
- Maximized the depth and profitability of the customer’s relationship by partnering with specialists in retail and business lending, investments, and other product areas to ensure an outstanding customer experience
- Worked with the branch team to execute the branch small business plan
- Supported small business sales blitzes and ongoing business development, including place-of-business visits and referral/network development
- Established a book of business from zero base and managed a top-quality loan, investments, and deposit portfolio
Branch Manager
PNC Bank
01.1995 - 01.2000
- Developed and executed integrated sales, relationship, and credit strategies that are aligned with the Area business plan to achieve desired revenue, expense, and service goals
- Supported portfolio growth in the branch by identifying cross-sell opportunities, deepening relationships, and increasing client acquisition
- Developed and maintained relationships with partners to maximize sales opportunities and achieve sales standards with the goal of acquiring 100% of the client’s financial services business
- Responded to and resolved escalating customer inquiries and problems pertaining to consumer deposit and lending accounts
- Provided inspiration and leadership to branch staff daily through one-on-one coaching, morning huddles, and end-of-the-day meetings
- Created a strong sales and service culture, fostering an environment in which all branch employees work together to achieve all business goals
Education
BBA - Finance
Southern New Hampshire University
06-2024
Skills
- Profitability optimization
- Portfolio management
- Mutual funds expertise
- Account management
Certification
- Licensed Series 7, 6, 63, and Insurance Producer Licenses
Timeline
Wealth Advisor
Ramapo Wealth Advisors
06.2023 - Current
Premier Banker II
Wells Fargo Bank
01.2013 - Current
Personal Banker II
Wells Fargo Bank
01.2000 - 01.2013
Branch Manager
PNC Bank
01.1995 - 01.2000
- Licensed Series 7, 6, 63, and Insurance Producer Licenses
BBA - Finance
Southern New Hampshire University
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