Financial and Operational Experience
Overall responsibility for a sophisticated Retail Banking division for all 12 branches within the Southern Nevada market area.
Responsible for all retail banking divisions including: operations, compliance, sales, finance, treasury management, wealth management and business development.
Continually researched the market performance and profitability analysis of main product lines.
Focused heavily on cross-selling of various products within the company to build a solid portfolio of accounts and enhance retention.
Created and negotiated contracts. Implemented financial cost controls and monitored payments.
Audited and managed accounting procedures including budgets and cost variances for all company locations in the market.
Reviewed and analyzed operational data to ascertain company progress. Accountable for multiunit financials and growth variances, day-to-day operations, payroll and expense control.
Hired, trained, scheduled and mentored all inter-department personnel along with the human resources division.
Personally reduced losses by 36 percent, implemented a 19 percent reduction in staff, increased district loan portfolio by 53 percent, increased customer retention and deposit growth by 21 percent and reduced liabilities by 33 percent, all in the first year.
Devised competitive pricing programs, product positioning strategies, market penetration plans, and contract negotiation policies on a daily, weekly and quarterly basis.
Managed financial direction for all divisions and teams along with guiding the financial restructuring of poorly performing locations into strong, profitable entities. •
Market area manager responsible for growth expectations, new locations, branch closures, mergers and acquisitions, retail expansion and client retention.
Conducted all sales meetings, staff meetings, leadership presentations and annual planning sessions with management team.
Directed all branch activities for 12 retail banking locations with 4 regional managers, 12 branch managers, and 55 branch sales associates.
Handled all aspects of the budgets including monthly, quarterly and annual reporting with variance reporting and resolution to region. Accountable for a consolidated $125 million dollar regional budget.
Provided financial advice for new accounts, investments, mortgages and loans as well as wealth and retirement planning.
Enforced all company policies including quality, health safety & environmental (QHS&E), drug and alcohol, and standard operating procedures.
Conducted ongoing market feasibility studies for growth and market diversity.
Continually ranked as a top performer year over year in loans, banking growth and sales.
Maintained extensive human resource skills including employee relations, performance planning, employment law, terminations, and disciplinary actions while also hiring for the region.
Interviewed and trained new employees, processed payroll, and conducted daily sales meetings with staff and management.