Sunil Kumar Ponnumala

• Manage, develop and grow book of business consisting of prospects and/or existing clients with commensurate deposit balances/maintained relationship. Relationship develop and right fit clients to deepen wallet share and grow market share. Originate, review, process, close and administer business loan requests
• Develop pipeline for metrics sales from existing clients by conducting cold calling, appointment setting, internal networking, blitz days, etc
• Learn as much as possible from clients before recommending loan approvals and denials based on cash flow reviews along with secondary review from Underwriting. Any variations reviewed thoroughly against policy to ensure maximum effort into meeting the request amount per client
• Identify clients by GAR and either provided services to client, referred to financial centers or up to partners in Commercial and/or Merrill Lynch
• Daily focus to goals on calls and meetings with clients to further deepen profitability & wallet share per financial center
• Achieve goals (deposits, loans, services, partners, fees, cold/warm calls), both individually and assisting branch cluster, through development of new Commercial Customers and cross selling existing Customers as well as development of a referral network while making sales calls to prospects and existing clientele
• Collect financials, business and customer information and explain products and services offered. Developing market expertise in the assigned territory. Maintain an established market presence
• Actively generate referrals to all business partners to help meet the comprehensive financial needs of clients. Meet regularly with referral sources to continue business relationships and develop network of outside referral sources for new business. Partner with branches and other lines of business in defined market area and remain visible for consistent delivery of a One Team Approach

• Specialized in helping clients maximize the performance of their Retirement portfolio, Asset protection strategies, and Wealth management.
• Developed custom financial strategies for clients that protect them from down markets, while at the same time ensuring stable capital growth, often on a tax-favored basis.
• Specialized in affluent and high net worth market with emphasis on premium financing based wealth accumulation and transfer strategies.
• Established multiple Banking and Financial Institution relationships to secure competitive interest rates for clients who can leverage their secured and non secured lending needs.

• Commenced a productive team of junior partners through mentoring and coaching.

• Interacted with clients on an advanced level in support of relationship management, sales activities, account information, procedures, systems and range of financial services products.

• Driven divisional performance results specifically but not limited to census growth, household acquisition, recruiting, investment opportunities also through planning, leading, executing strong recruiting processes also sales and service behaviors.

• Collaborated with business partners and navigate the organization to help resolve client and advisor problems.

• Managed the community market’s financials, conducting informational on-site seminars for small businesses including profit and loss management, client and revenue growth.

• Partner up with specialists and vendors across the establishment to ensure full capabilities are available to the client.

• Administered risk and ensure all team members protect the interests of the firm while enhancing the client experience

• Promoted and recognize performance; adhere to the performance management process, policies, and procedures.

• Overseen community and market affairs to increase visibility of our “brand” also enhance new and existing business opportunities.

• Build relationships with teammates and specialists to assist clients with financial needs and/or problem resolution.
• Ensure day-to-day activities comply with standards by observing and coaching teammates in customer service, operational procedures, transaction accuracy and client engagement.o Manage the financial center, Effortlessly educate team members by using resources and technologies to optimize the client experience.
• Gain in-depth knowledge of clients’ financial life priorities and connect them to Guardian solutions that meet their financial goals

• Served as a role model for the team by demonstrating commitment to excellence, professionalism, and adherence to company values at all times.
• Established clear performance metrics for the team which helped in tracking progress towards set targets effectively.
• Evaluated employee skills and knowledge regularly, training, and mentoring individuals with lagging skills.
• Build strong relationships with priority small business clients by acquiring new and deepening existing client relationships.
• Established and maintained client base by prospecting, off-site visits, bi annual financial reviews with every person while building relationships through follow up calls, networking events and appointments.
• Manage and grow consumer and business lending portfolio of $60MM ensuring optimal credit quality and profitability.
• Grow the profitability of the small business client base with annual revenues between $250K- $5MM.
• Recommend financial solutions that best meet the client’s immediate and long-term business and personal needs. Enhance the client’s understanding of all bank products and services.
• Build key partnerships with all lines of the bank to deliver an integrated and seamless experience.
• Recognized highest producer and exceeding unit sales goals. Top performer award in 2014, Competing against through out North East within the Bank.
• Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.