Erik Kramer Email & Phone Number

 Developed referrals and relationships independently within the market as well as from 15 branches in 3 different regions Coached branch staff on identifying referral sources and selling loan products Worked relationships with Centers of Influence to increase referral activity

 Continually developed branch staff to consistently exceed branch stretch goals Achieve growth in consumer and small business deposits, investments, lending and other products All HR related functions including hiring, branch training, termination and discipline Outside calling to develop referral networks as well as business volumes

 Soliciting and servicing clients for deposit, loan, securities, and insurance products Partnered with branch staff to increase revenue for office Developed outside partners/referral sources for small business sales as well as licensed products

 Developed relationships with prospects and expanded relationships with current customers Profiled, advised, and provided solutions and recommendations to satisfy client needs Counseled clients on the purchase of a comprehensive set of packaged investments Coached staff on sales and product knowledge