Sergio Ramos
Denver,CO
Summary
Through my 5+ years of banking experience, I have been in multiple different roles: teller, personal banker, and multiple supervisor opportunities. Duties in those roles include proficiency in risk management, training, and mentoring new associates, and audit knowledge in policies and procedures. I have led a merger with two separate institutions, overseeing fellow peers in different roles in teaching adaptability for the new processes, ensuring that they are properly equipped with knowledge, and supporting the embrace of seamless ways to adapt to new routines.
As a leader in the financial center, responsibilities include tasks of oversight of transactions to protect our clients, associates, and institution. Tasks also include a monthly overview of the daily tasks to ensure they are followed properly according to state and federal regulations, problem-solving, and resolution of escalated situations, and any other tasks that may arise.
While being designated as the point of contact on behalf of my leader when they are out of the office, I manage these responsibilities while also maintaining proficiency in my current role as a Senior Banker. Successes in my current role include providing exceptional client care and an excellent client experience, building strong relationships within different lines of business to benefit our clients' needs. I am the primary source for handling client questions, creating new goals, and discovering new opportunities.
I am actively attending a leadership program on behalf of Bank of America, where I have developed and polished many skills i need to be an effective leader.
I am always looking to improve in my career by taking the workload one day at a time and being the best version of myself, while still setting short- and long-term goals for areas of opportunity. I am determined and ready for the next step in my career.
Overview
5
5
years of professional experience
Work History
Senior Banker Leader Backup
Bank of America
Thornton, CO
04.2024 - Current
- Developed and maintained relationships with customers to ensure customer satisfaction.
- Conducted market research to identify new business opportunities.
- Trained new employees on proper procedures when dealing with customers' accounts and transactions.
- Provided technical guidance to bankers on complex transactions.
- Implemented new policies, procedures, products, and services in order to improve efficiency.
- Developed strategies for improving operational efficiencies while still maintaining high levels of customer service and exceptional OSAT scores
- Managed daily operations of the bank branch, including staff supervision and training.
- Worked closely with FCM to Complete OMP in an accurate and timely manner.
- Worked with FCM to develop new employees and assisted with onboarding Multiple Associates from various positions.
- Worked with FCM on coaching strategies and different techniques to increase productivity for the center keep morale high within associates.
- Hands on coaching with bankers to help work on areas of opportunities.
- Managed client relationships and provided exceptional customer service, receiving very positive feedback consistently and establishing strong relationships within the Bank Of America brand and local Financial Center.
- Reviewed account balances regularly to detect any discrepancies or fraudulent activity. To mitigate and potential harm to our center, firm and clients well being.
- Discussed client financial options to keep customers informed regarding transactions, Adhering to regulations and building trust within our community.
- Built positive and productive customer connections to drive consistent sales.
- Managed escalations with polite service, knowledgeable support and exemplary professionalism to satisfy needs and protect bank reputation.
- Achieved or exceeded personal sales goals on consistent basis.
- Developed solutions to meet market gaps and drive company sales.
- Coached and mentored individuals on professional development goals.
- Lead various morning business briefs to set the tone for the day and recognize quality behaviors within the Financial Center associates, While also reviewing procedures and areas of opportunity depending the Financial Center needs.
Relationship Banker
Bank of America
Thornton, CO
06.2022 - 04.2024
- Advised customers on bank products, services and financial planning options.
- Participated in training and mentoring of new associates, assisting with onboarding .
- Conducted regular reviews of customer portfolios to identify opportunities for additional products or services that could benefit them.
- Adhered to bank and legal guidelines for reporting, submission of credit products and money handling.
- Attended meetings with other bankers to discuss best practices related to relationship building.
- Processed maintenance, operations and correspondence for new and existing accounts.
- Identified customer needs through conversations and offered appropriate banking products to meet their requirements.
- Integrated marketing promotions and programs into conversations to educate and inform customers.
- Adhered to strict confidentiality protocols to maintain safety of customer and bank information.
- Complied with security procedures and protocols when opening and closing the bank.
- Assisted customers in opening new checking and savings accounts, as well as other banking services such as wire transfers, direct deposits.
- Maintained and built strong client relationships through quality, personalized interactions.
Lead Personal Banker
BBVA Compass Bank
Thornton, CO
06.2021 - 06.2022
- Promoted financial products by maintaining excellent service offering knowledge.
- Established new accounts for high net worth individuals and serviced existing accounts to maximize revenue.
- Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
- Maximized revenue through improved sales techniques and branch productivity.
- Processed customer requests for statements, ordering additional checks and updating customer personal information in database.
- Conducted detailed financial reviews for business clients to sell appropriate products to fit clients needs.
- Created innovative financial solutions to meet customer needs and provide competitive edge.
- Backed up teller team by handling needs of new and existing customers at main counter.
- Answered customer questions and explained available services such as deposit accounts, bonds and securities.
- Expanded client base by promoting new financial products.
- Networked to increase client base and encourage existing clients to expand financial portfolios.
- Notary Public
Teller
Wells Fargo
Aurora, CO
03.2020 - 04.2021
- Answered customer inquiries regarding account balances, transaction history, services charges and interest rates.
- Educated customers on use of banking website and mobile apps.
- Completed highly accurate, high-volume money counts via both manual and machine-driven approaches.
- Answered telephone inquiries on checking and savings accounts, loans and lines of credit.
- Processed customer transactions promptly, minimizing wait times.
- Learned about customer's financial needs, established trust and optimized sales opportunities resulting in quality customer service.
- Identified sales opportunities and referred customers to branch partners in financial services.
- Counted, verified and handled bank deposits and armored car transactions.
- Calculated fees due, interest and change for customer transactions.
- Maintained friendly and professional customer interactions.
Skills
Bilingual English and Spanish
- Regulatory compliance
- Money Management
- Excellent communication skills
- Strong sense of banking ethics
- Creative Thinking
- Exceptional customer service
- Debt and credit management
- Risk management evaluation background
- Energetic
- Sales expertise
- Strong work ethic
- Friendly
- Approachable
- Practiced knowledge of bank security systems
- Active listening
- Recordkeeping abilities
- People skills
- Cash Handling
- Negotiation expertise
- Relationship Building and Management
- Leadership
- Adaptable
- Dependable
- Enthusiastic approach
Affiliations
- numerous recognition certificates from leaders and peers for excellent service and risk management.
Languages
Fluent in spanish
Timeline
Senior Banker Leader Backup
Bank of America
04.2024 - Current
Relationship Banker
Bank of America
06.2022 - 04.2024
Lead Personal Banker
BBVA Compass Bank
06.2021 - 06.2022
Teller
Wells Fargo
03.2020 - 04.2021