Acquired and expanded bank profitability working with affluent client segment and business banking opportunities. Managed banking relationship through an advice-based approach, ensuring each client received the best products and services for their needs. Managed a book of business of 400 clients.• Introduced Certificate of Deposit (CD) customer with financial consultant to diversify investment strategy, retaining relationship of $300K and increasing investments in bank products by $1M from outside source.• Advised client with on-line banking issue, performing a needs assessment which uncovered additional outside funds. Referred client to financial consultant, acquiring additional 500K in new funds and resulting in an upgrade to the Select Program.• Reviewed Select customer account from book of business, uncovering high rates with 2 mortgages on primary residence. Arranged a meeting with mortgage partner which lead to a refinance consolidation of $830K, offering the customer a significant savings in finance charges.• Invited business owner client in for portfolio review, performing needs-based analysis discovered desire to purchase a new building for business growth, requiring a 1.3M loan. Met with commercial lending partner to facilitate successful loan approval, deepening relationship with client.• Developed trust with client through several meetings to increase investment options. Worked closely with financial consultant resulting in $2.5M in new investments from an outside 401k.

Developed and enhanced relationships with customers, both new and existing, while maintaining outstanding customer service. Managed a book of business of 500 clients.• Worked with customer on resolving a debit card issue, discovering upcoming college tuition needs. Offered equity line, providing adequate funds and reducing customer anxiety. • Partnered with Teller to offer new programs to customer. Reviewed current statement fees and proposed new product (requiring bringing outside funds to the bank) which alleviated fees and increased customer satisfaction.

• Promoted mortgage products to existing clients while cultivating relationships with “centers of influence” within the mortgage loan industry to develop new business opportunities.• Exceeded first year production targets, averaging more than $1.5 million/month in loans and mortgages.• Developed referral partnerships with realtors, CPAs, and attorneys, driving 50% of new loan production.• Identified best-fit products, gaining reputation and referrals for doing what is right for the customer.• Strengthened overall banking relationship with ability to offer / promote government-backed and other loan programs (i.e., FHA Streamlined Refinance and Home Affordable Refinance Program – HARP).

Returned to Wachovia (acquired by Wells Fargo) in a solutions sales role, servicing clients and assessing needs to recommend best-fit products while cultivating relationships to build client base.• Delivered 200% of checking account target. Maintained record of performance excellence and earning incentive award for 3 straight quarters by exceeding composite cross-product goal. • Championed growth in business sector, providing guidance to other staff members, enhancing existing relationships, and developing new business.• Developed partnerships with financial advisors and commercial lenders to meet full range of client needs.

Managed $95M book of business, servicing 350 high-net-worth clients while also prospecting for new opportunities. Maintained ongoing contact with clients to stay abreast of and respond to changing objectives and financial goals.• Serving as a personal banker to clients, effectively leveraged relationship-building and needs assessment skills to develop on-target plans, enhancing and augmenting client wealth.• Retained client accounts while building strong referral-based business.• Built stellar record in promoting products and growing sales, consistently exceeding ever-increasing goals in all categories – deposits, investments, and loans.• Excelled in new business development, bringing in $2M in new deposits in 2008 despite declining market. Implemented strategies to identify and develop best-fit clients, maximizing funds under management by targeting high potential opportunities.

Managed 10 staff members while overseeing operations of bank with $45M in deposits. Led business development efforts, training staff in best-selling practices while personally marketing investment products.• Assumed branch management following merger with United National. Implemented new practices and procedures to stabilize operation and lay foundation for future success. • Increased bank revenue by 12% and substantially improved customer satisfaction ratings.

Prospected for clients and cultivated relationships to build a book of business.• Successfully marketed bank products, growing branch revenue 10 to 14% annually while consistently exceeding goals for deposit, investments, and mortgage funds.• Expertly serviced clients, accurately assessing needs and recommending best-fit products to build customer base and maintain long-term client relationships.

Managed 2 branches directing 18 staff members during transition of Prestige Bank to Commerce brand. • Provided leadership and direction to staff to smooth transition and reduce resistance to new ways of doing business. Clearly articulated requirements to staff and made staff adjustments (hiring and terminations), ensuring right team was in place to meet new standards.• Fostered “meet and greet” service culture, training staff in techniques to improve the customer banking experience, promote bank loyalty, and open new opportunities for growth.

Launched United’s first in-store bank (when concept was still new) while managing second freestanding branch. • Successfully proved in-store concept, growing deposits to $6M in first year. Effectively retained staff despite challenges of maintaining bank operations within the store.• Introduced creative programs (promotions, games, and children’s corner), engaging customers and drawing in new business. Trained staff to open conversations and promote bank products.