Toni Carter
Ellabell,GA
Summary
Senior Relationship Banker bringing top-notch skills in oral and written communication, active listening and analytical problem-solving skills. Enhances customer experiences by employing service-oriented behaviors, understanding customer desires, and providing customized solutions to build loyalty.
Overview
19
19
years of professional experience
Work History
Senior Relationship Banker
Synovus Bank
05.2021 - Current
- Resolved complex customer issues, resulting in increased trust and loyalty among clients.
- Executed wire transfers, stop payments and account transfers.
- Assisted clients with credit applications, guiding them through the process from initial inquiry to loan approval.
- Cultivated strong customer relationships by providing tailored advice and services.
- Performed account maintenance by closing out accounts and changing customer addresses.
- Monitored and verified suspicious activity on customer accounts.
- Handled escalated complaints from dissatisfied customers professionally while finding mutually beneficial resolutions.
- Assisted customers with completing required forms for opening and closing bank accounts.
- Cross-sold credit cards, loans and other bank products.
- Provided support during audits by ensuring accurate documentation was maintained for all client interactions.
- Maintained friendly and professional customer interactions.
- Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
- Processed wide variety of retail banking transactions for personal and commercial customers.
- Demonstrated strong organizational and time management skills while managing multiple projects.
Branch Banker III & Branch Coordiantor
BB&T Now Truist
01.2006 - 04.2021
- Formalized risk assessment models and developed standards for trend analysis for corporate use.
- Built strong rapport with clients for long-lasting relationships by understanding their financial goals and recommending suitable solutions.
- Counted currency, coins and checks in cash drawer, night depository and ATM.
- Mentored junior bankers, fostering professional growth and development through coaching sessions.
- Improved customer satisfaction by providing personalized banking solutions and efficient service.
- Optimized branch performance by analyzing key metrics and implementing targeted action plans.
- Delivered exceptional service through effective communication skills, empathy towards clients'' needs, problem-solving abilities, and attention to detail in daily tasks.
- Managed branch operations for seamless transactions and excellent customer experiences.
- Championed customer retention efforts, addressing concerns promptly and effectively resolving issues.
- Complied with established internal controls and policies.
- Presented products and services to customers using in-depth knowledge to answer questions.
- Collected cash and checks for deposit or processed withdrawals by examining checks for endorsements, verifying amounts, inputting into computer systems and printing receipts.
- Strengthened client relationships, offering tailored financial advice to meet individual needs.
- Identified customer desires and goals through needs-based sales tactics.
- Investigated and resolved account issues by offering applicable options to customers.
- Ensured compliance with bank policies and regulatory requirements to maintain a secure environment.
Customer Account Specialist
American General Finance
07.2005 - 01.2006
- Monitored customer accounts for payment delinquency and initiated collection efforts.
- Collaborated with team members to improve overall customer service experience.
- Contacted customers to discuss past-due accounts and negotiated payment plans.
- Assisted in the onboarding process for new customers, providing comprehensive support during account setup.
- Adhered to standards of quality and service as well as all compliance requirements.
Financial Services Representative
SunTrust Bank
10.2004 - 07.2005
- Worked with clients to develop financial planning strategies and solutions through evaluation of finances.
- Provided strategic financial advice to senior management and stakeholders.
- Developed and implemented risk management strategies to minimize financial losses.
- Contributed towards branch growth by identifying prospects within the community and nurturing relationships for new business opportunities.
- Built and established relationships with clientele to improve future business opportunities.
- Increased client satisfaction by providing tailored financial advice and investment recommendations.
- Provided excellent customer service, resolving issues quickly and maintaining long-term client relationships.
Education
High School Diploma -
Eastgate Christian Academy
Savannah, GA 05.2003
Skills
- Financial Advising
- Quality Control
- Cash handling and management
- Creative Thinking
- Relationship building and management
- Fraud Detection
- Product and Service Sales
Additional Information
I have been working in the banking/finance industry for nearly 20 years. My goal is to always provide a great experience for my customers. I have worked at a desk and behind the teller line. I have an interest in operations and compliance. I would love the opportunity to take my frontline experience and apply it to more behind the scenes with audit/compliance/AML-BSA. As a banker I have worked with customers who have experience fraud and when working at BB&T now Truist completed and documented suspicious activity and completed suspicious incident reports (SIRs/SARs). As a banker for Synovus, it is my responsibility to assist with obtaining proper documentation at account opening to help prevent fraud.
Timeline
Senior Relationship Banker
Synovus Bank
05.2021 - Current
Branch Banker III & Branch Coordiantor
BB&T Now Truist
01.2006 - 04.2021
Customer Account Specialist
American General Finance
07.2005 - 01.2006
Financial Services Representative
SunTrust Bank
10.2004 - 07.2005
High School Diploma -
Eastgate Christian Academy