Saul Morales Majalca
Albuquerque,NM
Summary
Top-performing professional with extensive experience in banking and finance. Committed to building long-term relationships with customers, fostering trust, and reducing account closure rates. Skilled at understanding customer needs and providing tailored recommendations for banking products. Demonstrated leadership abilities with a strong track record in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, maintaining high standards, and aligning efforts with organizational goals.
Overview
4
4
years of professional experience
Work History
Senior Personal Banker
Heartland Financial, New Mexico Bank & Trust
09.2024 - Current
- Assistant Manager in helping the branch operations run smoothly. Manager in duty in case absence of Onsite Manager
- Providing exceptional customer service while in a dual function role, listening for sales opportunities, consumer loan origination, teller transactions as needed, explaining, and promoting bank products or services to customers and actively participates in the referral process.
- Demonstrating exceptional problem-solving skills and customer service expertise when resolving complex customer inquiries through product benefits, establishing a clear difference, overcoming resistance, asking for the business, completing the sale, nurturing relationships, and establishing methods for follow-up.
- Assisted in developing and implementing branch sales goals, motivating team members to achieve targets and drive business growth.
- Mentored junior Personal Bankers/Universal Bankers, sharing industry knowledge and best practices for career development.
- Developed strategies to acquire new clients, expanding the bank's customer base and market share.
- Participated in community outreach events to promote the bank's brand and foster local business partnerships.
- Opened checking, business accounts, trust accounts, IOLTA accounts, savings, money market, certificates of deposit accounts, and furnished online banking details to clients. Also, conducting loan request such as Personal Loans, Home Equity Line of Credits, Auto Loans, Secured Loans, and credit cards.
Universal Banker
Heartland Financial, New Mexico Bank & Trust
06.2023 - 09.2024
- Providing an exceptional customer experience by handling every customer's needs including teller transactions, sales and service
- Effectively use sales skills such as: effective listening, adapting to differences in customers, identifying needs, expanding and deepening customer relationships, responding to verbal and non-verbal clues, presenting solutions through product benefits, establishing a clear difference, overcoming resistance, asking for the business, completing sale, nurturing relationships, and establishing methods for follow-up
- Responsible for daily for all teller operations, maintaining an acceptable cash over and short account according to the bank policy guidelines.
- Cashed checks, accepted deposits and withdrawals within assigned limits and calculated daily transactions using computers, calculators or adding machines.
- Assisted branch manager in meeting sales targets by executing various marketing strategies and initiatives.
- Strengthened customer relationships with proactive communication and timely resolution of queries or concerns.
- Maintained accuracy in daily transaction reporting, reconciling discrepancies promptly to ensure seamless accounting operations within the branch.
Front End TA Serv
Walmart
01.2021 - 07.2023
- Customer Service, solving questions and problems
- Communication, being able to communicate and solve problems with a team or independent
- Worked effectively in fast-paced environment
- Handling Money, process of receiving/giving money and reassuring no money scams are conducted
- Maintaining a cash till, being accurate while running a register
- Sales of products including Walmart plus and credit cards
Education
High School Diploma -
Albuquerque High School
800 Odelia Rd NE Albuquerque, NM 8710205.2023
Associate of Applied Science - Business Administration, Entrepreneurship Focus
Central New Mexico Community College
525 Buena Vista Dr SE Albuquerque, NM 8710605.2025
Skills
- Notary Public of New Mexico
- Bilingual (Spanish, English)
- Customer service (3 years)
- Sales experience (3 years)
- Mortgage Knowledge
- Loan Origination
- Relationship Management
- Portfolio Management
- Branch management/operations
- Technical Skills- Microsoft office(Word, Excel, Powerpoint)
- Accounting, Management, Ethics, reliability
- Team Leadership
References
Available upon request
Timeline
Senior Personal Banker
Heartland Financial, New Mexico Bank & Trust
09.2024 - Current
Universal Banker
Heartland Financial, New Mexico Bank & Trust
06.2023 - 09.2024
Front End TA Serv
Walmart
01.2021 - 07.2023
High School Diploma -
Albuquerque High School
Associate of Applied Science - Business Administration, Entrepreneurship Focus
Central New Mexico Community College
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