Santo Giammanco
Garfield
Summary
Dynamic Sr. Business Relationship Manager with a 20-year proven track record in client relationship management, new business development, commercial real estate lending, SBA 7a/504/Express originations, C&I lending, and cash management/treasury services. Leveraging strong networking, client relationship, and financial analysis skills to deliver tailored solutions. I have been recognized for achieving top-tier performance among peers, driving significant revenue growth.
Overview
21
21
years of professional experience
Work History
Sr Business Relationship Manager
JPMorgan Chase
Nanuet
10.2024 - Current
- Develop strong client relationships to understand business needs.
- Collaborate with cross-functional teams to deliver tailored solutions for clients.
- Acquired $30MM in deposits and $8MM lending for 2024
- Ranked in top 20th percentile among my peers nationally
- Strong COI Network of CPA's, commercial brokers, and financial advisor
Mortgage Adivsor
Bond Street Mortgage
Paramus
07.2021 - 11.2022
- Advised clients on mortgage options and financial solutions.
- Reviewed loan applications and assessed creditworthiness of borrowers.
- Collaborated with real estate agents to streamline loan processing.
- Prepared documentation for loan approvals and underwriting processes.
- Developed relationships with investors, developers, business owners, and commercial brokers.
- Commercial alternative financing options, including bridge and construction.
Small Business Relationship Manager
Santander Bank NA
01.2019 - 01.2021
- Managed a portfolio of 150 business relationships up to $5 million in Sales Revenue, Deposit relationships of $20 Million, and Lending Portfolio of $40 Million
- Identify new clients by prospecting, networking, and center of influence relationships
- Originated Commercial Loans for Real Estate, Equipment Financing, Term loans, and Working Capital Lines of Credit
- Requested, gathered, and analyzed Financial Tax Returns, Income Statements, Balance Sheets, Profit/ Loss, Bank statements leading to a full Credit application and Credit Memo for underwriting to approved.
Business Development Officer
Spencer Savings Bank
01.2018 - 01.2019
- Prospected companies with sales revenue above $1M to $25M leading to new business.
- Identify new clients by prospecting using a 6-step contact strategy
- 100% outbound prospecting, networking and cold calling efforts
- Networked member of CIANJ, NJBiz, NJBIA, Hispanic Chamber of Commerce. I attend networking and community events weekly
- Build and utilize centers of influence: CPA’s, Lawyers, Real Estate Agents, Property Managers, Mortgage Brokers, Insurance Agents, Real Estate Developers, and Financial Advisors
- Acquired new business banking deposit relationships totaling $2.5M (active deposit pipeline of $20M) and Lending of $10M (active lending pipeline of $35M)
Citigold Relationship Manager
CITIBANK
New York
01.2016 - 01.2018
- Company Overview: Global Headquarters
- Identified, build and deepened relationships increased wallet share of the high net worth affluent segment through a superior customer service experience.
- Oversaw 150 clients with Assets Under Management of $65M. Internally grew $35M assets under management through effective management of portfolio.
- Anticipated the complex financial needs of clients and offer investment solutions through a wide range of products, services and tools.
- Recognized and understood a client's banking, credit/lending, investment needs and retirement goals resulting in holistic financial solutions for multiple International clients diverse goals.
- Presented financial seminars that educated clients
- Selected to Leadership Committee and chosen to train new hires.
- Global Headquarters
Private Client Relationship Manager
PNC FINANCIAL SERVICES GROUP
Cedar Grove
01.2014 - 01.2016
- Managed a book of 300 clients with $35M assets under management, coordinated with internal business partners, and networked with centers of influence provided the best financial outcomes for clients.
- Build trust and cultivate growing relationships in deposits, lending, and investments through in – depth profiling, consultative selling, and exceptional customer service care.
- Prospecting new opportunities by organizing preplanned call blocks, networking events, and physical cold calling of local businesses.
- Turned a non-profitable book of business into a profitable revenue generator.
Business Performance Advisor
INSPERITY
Florham Park
01.2012 - 01.2014
- Cultivated new business relationships through a strategic account development approach that targeted C-level officers, securing one client in the first six-months.
- Rank as one of the top new hires in region.
- Negotiated contract with Marchioro USA to provide a turnkey human resources infrastructure that enabled company to open a new facility in Georgia and create a corporate culture that attracts and retains top workforce talent.
- Built visibility for firm in the Bergen County region through networking, social media, and industry events.
Small Business Banker
CAPITALONE BANK
Mount Vernon
01.2010 - 01.2012
- Led efforts to grow small business deposits and loans at four branch locations.
- Partnered with branch staff to identify cross-selling opportunities in existent client base.
- Coached personal bankers in strategies to generate sales leads.
- Secured $12 million in new loans and proactively managed a portfolio of $18 million in deposits, ranking in the top 25% of the sales force company-wide.
- Forged strong relationships with small business owners through developing a deep understanding of business owners’ challenges uncovered numerous sales opportunities such as lending, cash management, and treasury services.
Business Banker, Vice President
JP MORGAN CHASE
New York
01.2005 - 01.2010
- Revitalized business development activities for a branch situated in an affluent Westchester community.
- Built strong ties with branch partners, local business owners and high net worth individuals, resulting in significant growth in deposits and loans.
- Achieved all sales targets and received multiple awards for increasing deposits, opening new accounts, and cross-selling products. 125% to goal in all categories.
- Attained a high level of account retention; managed portfolio of 150 clients $20M Deposits and $15M lending in an extremely competitive marketplace by focusing on long-term relationship management.
Skills
- Client relationship management
- Business development
- Financial analysis
- Credit Trained
- Cross-functional collaboration
- Presentation skills
- Networking and prospecting
- Problem solving
- Effective communication
References
References available upon request.
Timeline
Sr Business Relationship Manager
JPMorgan Chase
10.2024 - Current
Mortgage Adivsor
Bond Street Mortgage
07.2021 - 11.2022
Small Business Relationship Manager
Santander Bank NA
01.2019 - 01.2021
Business Development Officer
Spencer Savings Bank
01.2018 - 01.2019
Citigold Relationship Manager
CITIBANK
01.2016 - 01.2018
Private Client Relationship Manager
PNC FINANCIAL SERVICES GROUP
01.2014 - 01.2016
Business Performance Advisor
INSPERITY
01.2012 - 01.2014
Small Business Banker
CAPITALONE BANK
01.2010 - 01.2012
Business Banker, Vice President
JP MORGAN CHASE
01.2005 - 01.2010
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