Summary
Overview
Work History
Education
Skills
Affiliations Awards Community Service
Affiliations
Timeline
Generic

Steven Carter

Houston,TX

Summary

Dynamic financial professional with over 15 years at JPMorgan Chase, excelling in relationship building and strategic financial planning. Proven track record of increasing client portfolios and driving growth through insightful analysis and exceptional communication. A flexible collaborator adept at streamlining processes and motivating teams to achieve high-performance standards.

Overview

19
19
years of professional experience

Work History

Private Client Banker

JPMorgan Chase
Sugar Land, TX
10.2021 - Current
  • The main point of contact for a select group of Chase's affluent clients, as well as other customers in the Branch
  • You'll manage their complete banking relationship across the company, utilizing a proactive and disciplined approach to generate growth in their balances
  • You'll help acquire new clients by actively soliciting referrals and developing internal and external sources
  • Actively managing their banking relationship through an advice-based approach, ensuring each client receives the best products, services for his or her needs
  • Partnering with Specialists (Private Client Advisors, Mortgage Bankers and Business Relationship Managers), to connect customers to experts who can help them with specialized financial needs
  • Making lives of clients more convenient by sharing and setting up self-service options to access their accounts 24 hours a day/7 days a week
  • Adhering to policies, procedures and regulatory banking requirements

Financial Coach

Project Row Houses
Houston, TX
02.2020 - 10.2024
  • Financial Coach reporting to the Director of Community Enrichment Initiatives.
  • Educate participants on the value of financial capability services, and engage participants in a longer-term coaching relationship, as appropriate.
  • Assist participants in identifying and addressing current financial opportunities and challenges, while providing a holistic perspective on overall financial stability, to help participants move toward proactive financial management and long-term success.
  • Develop individualized financial stability plans in collaboration with participants, assisting with goal-setting, money management, savings, credit building, debt management, utilization of financial services and products, tax preparation, benefit screening, employment services, etc.

Analyst

Revere Resources
Houston, TX
01.2019 - 01.2020
  • Responsible for financial analysis and client acquisition for an investment firm that leverages $300 million in capital.
  • Completed detailed analysis, forecasts, and budgets for oil and gas assets.
  • Presented the analysis to prospects and clients.
  • Analyzed company's expenditures and developed financial models.
  • Advised clients on decisions resulting in retirement portfolio diversification.

Associate Financial Advisor

Ameriprise Financial
Houston, TX
05.2018 - 01.2020
  • Assisted an experienced advisor in day to day service and maintenance of clients
  • Performed trades, money movement, and performed research for client service
  • Aided in presentation and marketing for current clients and prospects
  • Advice and solutions to help clients meet their personal financial goals
  • Trained in building knowledge and expand skills of being an owner of a firm
  • Research and review market trends, company financial reports, and produce reports of those findings
  • Process financial transactions for clients including buying and selling stocks, bonds, and other

Financial Advisor / Broker

Wealth Design Group
Houston, TX
01.2017 - 05.2018
  • Advise clients on financial plans utilizing knowledge of tax and investment strategies, securities, insurance, pension plans, and real estate
  • Assessed clients' assets, liabilities, cash flow, insurance coverage, tax status, and financial objectives to establish investment strategies
  • Recommend investment products and services that are suitable for prospects and clients based on their objectives, resources, time horizon, risk profile, and preference
  • Execute and negotiate follow through of implementation vehicles including insurance, investments, tax planning, debt management, estate planning, and other tasks quoted to the client

Trust Administrator

BNY Mellon
Houston, TX
08.2013 - 04.2016
  • Prepare or direct preparation of financial statements, business activity reports, financial position forecasts, annual budgets, or reports required by regulatory agencies
  • Monitor financial activities and details such as reserve levels to ensure that all legal and regulatory requirements are met
  • Analyze the financial details of past, present, and expected operations to identify development opportunities and areas where improvement is needed
  • Receive, record, and authorize requests for disbursements in accordance with company policies and procedures

Sr. Banker

Citibank
Washington, DC
07.2007 - 04.2013
  • Determine customers' financial services needs and prepare proposals to sell services that address these needs
  • Establish and maintain relationships with individual or business customers or help with financial problems these customers may encounter
  • Networked within communities to find and attract new business
  • Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans
  • Make presentations on financial services to groups to attract new clients
  • Developed and implemented an effective campaign to increase sales for Citibank Fresno branch
  • Built an outside the box campaign targeting Hispanic customers to increase sales
  • Collaborated with the City of Fresno in Cinco de Mayo celebration
  • Increased sales for the branch by nearly 300%
  • Delivered customer service at an award-winning level
  • Educated customers on the benefits of new and existing services and demonstrated methods for effective financial planning to achieve their objectives
  • Nominated for and received Citi Stars award, Citibank’s regional annual award for excellence in customer service
  • Successfully executed a plan to expand the high net worth client base
  • Assisted in developing and implementing campaigns targeting lawyers, doctors, and other high net worth individuals in Washington D.C
  • To market Citibank’s expanded international banking capabilities
  • The campaign success led to new procedures for servicing high net worth clients at Citibank

Credit Manager

Wells Fargo Financial
Gaithersburg, MD
08.2006 - 07.2007
  • Analyzed personal financial information using underwriting criteria to qualify customers for loans
  • Developed processes and procedures for analyzing accounting documentation, financial statements, and tax documents
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services
  • Approve loans within specified limits and refer loan applications outside those limits to management for approval

Business Development Analyst

Thomas & Hebert IT Consulting LLC.
Silver Spring, MD
01.2006 - 08.2006
  • Generate standard or custom reports summarizing business, financial, or economic data for review by executives, managers, clients, and other stakeholders
  • Synthesize current business intelligence or trend data to support recommendations for action
  • Document specifications for business intelligence or information technology (IT) report, dashboards, or other outputs
  • Synthesize current business intelligence or trend data to support recommendations for action

Education

Master of Science - Finance

Webster University
St. Louis, MO

Business Administration - Marketing

Henderson State University
Arkadelphia, AR

Skills

  • Highly analytical thinker with a demonstrated talent for identifying, improving, and streamlining complex work processes
  • A flexible collaborator who thrives in demanding environments where prioritizing and multitasking are required
  • Goal-driven leader who maintains productivity by confidently motivating, influencing, and coaching employees to meet high-performance standards
  • Proven relationship builder with excellent verbal and written communication skills
  • Advanced, insightful, strategic judgment, and solid knowledge of budgetary analyses, financial planning, and forecasting
  • 15 years of experience within financial institutions, effectively performing in highly competitive market environments, where accuracy within time constraints is imperative

Affiliations Awards Community Service

  • Nominated to Fresno 40 under 40 award which recognizes young professionals in Fresno, CA.
  • Served as Treasurer of Fresno Metro Black Chamber of Commerce.
  • President and member of the Theta Alpha chapter of Kappa Alpha Psi Fraternity Inc.
  • Habitat for Humanity Volunteer.
  • Junior Achievement Instructor.

Affiliations

  • Nominated for Fresno 40 Under 40 Award for young professionals
  • Former Treasurer, Fresno Metro Black Chamber of Commerce
  • President & Member, Theta Alpha and Houston Alumni Chapter Kappa Alpha Psi Fraternity Inc.
  • Volunteer, Habitat for Humanity, Project Row Houses,
  • Instructor, Junior Achievement

Timeline

Private Client Banker

JPMorgan Chase
10.2021 - Current

Financial Coach

Project Row Houses
02.2020 - 10.2024

Analyst

Revere Resources
01.2019 - 01.2020

Associate Financial Advisor

Ameriprise Financial
05.2018 - 01.2020

Financial Advisor / Broker

Wealth Design Group
01.2017 - 05.2018

Trust Administrator

BNY Mellon
08.2013 - 04.2016

Sr. Banker

Citibank
07.2007 - 04.2013

Credit Manager

Wells Fargo Financial
08.2006 - 07.2007

Business Development Analyst

Thomas & Hebert IT Consulting LLC.
01.2006 - 08.2006

Master of Science - Finance

Webster University

Business Administration - Marketing

Henderson State University

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