Ronald Terrero
Bronx,NY
Summary
Top-performing professional with substantial experience in technology, banking and finance. Dedicated to establishing long-term relations with customers to demonstrate trust and decrease account closure rates. Adept at understanding customer needs to recommend appropriate banking products. Confident Computer Technician with expertise in help desk environments, assisting both employees and customers with technical issues. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy.
Overview
11
11
years of professional experience
Work History
Financial Center Assistant Manager
Bank of America
10.2023 - Current
- Oversee day-to-day operations of financial center, ensuring efficient and customer-focus delivery
- Conduct regular staff training sessions to enhance product knowledge, customer service skills, and compliance awareness
- Collaborate with senior management to implement strategies for business growth and customer retention
- Monitor and analyze key performance indicators to identify areas for improvement and implement action plans accordingly
- Resolve escalated customer issues and inquiries, ensuring a positive customer experience.
- Recruited and hired talent for operations and service delivery and managed branch offices by mentoring and cross-training new leadership as part of succession planning
- Established internal audit procedures to validate and improve accuracy of financial reporting
Senior Banker
Bank of America
07.2023 - 09.2023
- Addressing client concerns, resolving issues, and providing timely and effective solutions to maintain client satisfaction
- Conduct in-depth financial analyses, risk assessments, and due diligence for new business opportunities and potential clients
- Coach and mentor junior bankers to enhance their performance and foster professional growth
- Managed diverse client's portfolios, handling their banking, lending, and investment needs
- Provided information of banking products and services, promoting cross-selling opportunities
- Achieved and exceeded individual sales targets through proactive customer engagement.
- Trained and mentored junior banking staff to maximize performance, efficiency, and compliance
- Conducted research to answer questions and handle issues using multiple systems and resources
Relationship Manager Business Owner Specialist
Bank of America
09.2022 - 07.2023
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products
- This involves prospecting, lead generation, and networking to expand client base
- Understanding unique needs and requirements of each client and conducting thorough analysis of their business to offer relevant and customized solutions
- Conducting financial assessments of client's businesses to evaluate their creditworthiness and risk levels.
- Staying informed about industry trends, market conditions, and competitors to better serve clients and identify new business opportunities
- Built and maintained relationships with new and existing clients while providing high level of expertise
- Monitored customer feedback and generated reports to identify areas of improvement
Mortgage Loan Originator
Rocket Mortgage LLC
03.2022 - 08.2022
- Analyzed loan applications and credit reports to determine loan eligibility and risk level
- Explained very technical financial information to applicants in easy to understand language
- Developed new business and ensured recurring business from clients
- Built networking and referral systems through realtors, tittle companies, etc
- Evaluated financial histories, paystubs, and tax information, provided credit analysis
- Ensured compliance with financial law on state and federal level
- Explained legal aspects of loan processing to the borrower along with payment terms and conditions
- Maintained strict confidentiality of bank records and client information
- Explained different types of loans pertaining to client situations
- Updated borrowers through each step of loan application, approval and closing processes while remaining attentive to customer needs
Retail Associate Manager
T-Mobile US
05.2015 - 03.2022
- Acted as in-store sales leader and maintained strong presence on floor to build relationships with customers, support and develop team and increase revenue
- Implement several persuasive techniques for selling products and services
- Creating and executing action plans to increase store revenue and achieve monthly goals
- Controlled operational compliance, safety and business standards to maximize efficiency and comply with corporate policy
- Sough out key decision-makers and tailored solutions to address business challenges
- Upheld consistent presentation standards to advantageously use visual merchandising and increase sales
- Trained employees, monitored performance and conducted periodic reviews focused on continuous improvement
- Instruct staff on how to handle difficult and complicated sales.
- Partnered with store and district management to capitalize on new retail business opportunities
Mobile Expert
T-Mobile US
09.2012 - 05.2015
- Assisting customers in selecting products and services fitting their lifestyle needs
- Prospecting local businesses via phone and in person to set appointments and generate leads
- Source, acquire, expand, and retain customer relationships while maximizing sales opportunities
- Kept customers and other employees up-to-date on latest devices and technology by performing frequent product demonstrations
- Maintained sound knowledge of company product suites
- Places special orders or call other stores to find desired items
- Oversaw signage, pricing and shelf labeling to promote neat, professional presentation
- Develop positive long-term customer relationships
- Utilizes consultative selling skills to solve customer problems and/or meet their needs
- Monitored customers for signs of security concerns and escalated issues to management
Education
BBA - Marketing Management -
Baruch College – Zicklin School of Business
New York, New York11.2023
Associate in Science - Business Administration -
Bronx Community College
Bronx, New York01.2021
Skills
- Strategic Planning / Business Development
- CompTia A / Network / Security / MS Office
- Inside Sales / Outside Sales Customer Service / B2B, B2G, and B2C / Price Negotiation
- Technology Expertise
- Wealth Management
- Forecasting & Reporting
- Cold Calling & Lead Generation
- Client Acquisition / Financial Planning / Portfolio Analysis
- Operations Management
- Task Delegation
Languages
Spanish
Native or Bilingual
Timeline
Financial Center Assistant Manager
Bank of America
10.2023 - Current
Senior Banker
Bank of America
07.2023 - 09.2023
Relationship Manager Business Owner Specialist
Bank of America
09.2022 - 07.2023
Mortgage Loan Originator
Rocket Mortgage LLC
03.2022 - 08.2022
Retail Associate Manager
T-Mobile US
05.2015 - 03.2022
Mobile Expert
T-Mobile US
09.2012 - 05.2015
BBA - Marketing Management -
Baruch College – Zicklin School of Business
Associate in Science - Business Administration -
Bronx Community College
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