Vineet Goswami
Allendale,NJ
Summary
Summary Vision-driven and passionate professional with extensive experience in growing domestic and cross border commercial relationships to accomplish business milestones. Talented in providing commercial loans, deposits and other baking services, well versed with AML & risk policies. Expert in identifying and addressing diverse needs of customers and recommending best possible solutions. Strong ability to perform prospecting and presentation skills to augment productivity and revenue. Skilled in utilizing knowledge of commercial credit policies as well as competitive trends for sustainable business growth. Expert presenter, negotiator, and businessperson; able to communicate effectively across multiple levels of organization. Multilingual in English, Russian, Hindi, and Punjabi and Urdu. Commercial Banking Operations SBA loans Customer Acquisition and Retention Risk Assessment and Mitigation Policies and Procedures Compliance Customer Service Orientation C&I Loan generation International Trade Management Loan, Deposit, and Business Growth Customer Relationship Development
Overview
16
16
years of professional experience
Work History
Business Banker
Wells Fargo Bank
05.2022 - Current
- Onboard and maintain new business customer relationships
- Maintain a portfolio of business customers and cross sell various bank products
- Actively work with bank partners in cross selling various bank products
- Work with our Premier and wealth management partners to offer solutions to our business clients.
Sr. Specialist Relationship Banker
Santander Bank
01.2020 - 05.2020
- Forge and maintain lucrative relationships in the branch to attain productive outcomes
- Refer potential customers to banking and investment partners to accelerate revenue
- Guide prospects on optimal decision and investment opportunities to expand customer base
- Helping clients with the PPP loan and forgiveness process
Commercial Business Relationship Manager
Flushing Bank
01.2018 - 01.2019
- Supported approval authority in decision making by conducting credit analysis, preparing reports, and presenting findings
- Negotiate and established credit terms and Increased customer base and sales through cross selling bank products, such as long-term deposits and cash management (wealth handling)
- Scoured loans and commercial mortgages through effective planning and implementation
- Prospected companies with revenue of $5M or more in mid corporate region by acquiring and sustaining beneficial connections of companies
- Originated loans applications worth of more than $26M for short- and long-term business success
- Obtained new loan applications, C & I, and asset-based relationships worth of $1M+ by nurturing and strengthening the resources.
Commercial Banking Relationship Manager
HSBC Bank
01.2009 - 01.2018
- Contributed efforts in hunting, qualifying, and upholding commercial banking business relationships in the tristate region
- Leveraged solid knowledge of existing AML and KYC policies for the smooth management of the portfolio
- Secured new loan alliances while collaborating with Credit Managers to onboard
- Liaised with personnel working in other counties and domestic corporations in mid corporate sector to gain competitive advantage
- Ensured adherence to quality protocols by tracking credit portfolio
- Recognized and appreciated by senior management as a highest deposit producer in NJ in 2016
- Executed complicated cross- border and domestic banking solutions, including cash, treasury, foreign exchange, trade services, and investment management and cross selling techniques in alliance with internal partners
- Played an instrumental role in growing commercial market and business banking customers base up to 40% in given market
- Attained high volume of business relationships in allocated region by delivering exceptional service.
Business Banking Officer, Team lead Color Specialist, Senior Account Executive, Account Executive
Citibank, Konica Minolta
01.2008 - 01.2009
- Acquired, retained and expanded business clients and wallet share
- Increased business deposits growth by more than 66% in 18 months
- Trusted advocate and advisor to the bank’s clients
- Utilized in-depth knowledge and understanding of Citibank’s global business and financial products to provide client solutions and deepen relationships
- Partnered with local community representatives in successful outreach activities for the residents of the community to promote initiatives leading to new client acquisition
- Developed a large professional network within the region
- Additional experience as “Business Banker” at BNY / JP Morgan Chase, “, Business Systems, and “, ” at Panasonic Document Systems Company.
Education
Master’s - Business Administration
Institute of Management Technology (IMT)
Bachelor of Commerce - Accounting
University of Delhi
Professional Development Certificate in Marketing NYU SPS - Marketing
NYU SPS
New YorkSkills
- Sales Pipeline Management
- International Markets
- Client Rapport-Building
- Commercial Banking
- Consultative Sales Techniques
- Client Needs Assessment
- Professional Relationships
- Critical Thinking
- Social Perceptiveness
- Develop Proposals
Timeline
Business Banker
Wells Fargo Bank
05.2022 - Current
Sr. Specialist Relationship Banker
Santander Bank
01.2020 - 05.2020
Commercial Business Relationship Manager
Flushing Bank
01.2018 - 01.2019
Commercial Banking Relationship Manager
HSBC Bank
01.2009 - 01.2018
Business Banking Officer, Team lead Color Specialist, Senior Account Executive, Account Executive
Citibank, Konica Minolta
01.2008 - 01.2009
Master’s - Business Administration
Institute of Management Technology (IMT)
Bachelor of Commerce - Accounting
University of Delhi
Professional Development Certificate in Marketing NYU SPS - Marketing
NYU SPS
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