Download PDF

Work experience

2009Present

Vice President/Market Manager

Floridian Community Bank

Responsible for the management and development of this new location and staff for entry into a new marketplace.  Established new deposit relationships and new business lending.

20082009

Vice President/Premier Client Manager

Bank of America

Directly responsible for the management of a $112M portfolio of deposits, investments and credit products for high net worth individuals.

19992008

Relationship Manager/Business Development Manager

Citibank N.A.

Accountable for the commerical business development activities for the area.  Responsible for maintaining a $225M existing portfolio.  Facilitated all product training courses at the branch, segment and relationship levels.

19961999

Senior Contract Buyer/Broker

Prosperity Partners

Responsible for the purchase of annuities, lotteries and commerical paper throughout the United States.  Recognized as being the Top Salesperson nationwide for two consecutive years.

19841996

President & CEO

Douglas Henry Realty

Founded and managed this residential and commercial ERA real estate franchise that achieved in excess of $25M in annual sales.  Responsible for the daily operations and profitability for the firm.

19821984

Controller & Operations Manager

Banco De Estado de Rio de Janeiro

Managed a staff of 30 professionals in the implementation of cost and quality controls.  Performed the Automatic Branch accounting function in addition to preparing all Letters of Credit.

19801982

Manager

Citicorp Services, Inc.

Accountable for the management of operations for Central and South America for the distribution of Citicorp travelers checks.  Facilitated product training for branch personnel throughout the United States.

19751980

General Auditor/Operations Manager

Chase Manhattan Bank

Managed a staff of 75 professionals in ensuring compliance to bank, risk management and State regulations.  Provided compliance and audit support to 130 retail branches.

Education

Certifications

Real Estate Broker

State of Florida

Insurance Variable Life and Annuity

State of Florida

Series 6 & 63

Securities and Exchange Commission

My Alma Maters

My Employers

Myers-Briggs Type Indicator

Summary

I am a professional with years of building and developing trusted business and consumer financial and asset relationships. These relationships and solutions have resulted in financial and personal wins for my clients, businesses and families.

I am a well educated, aggressive, hard-working, entrepreneurial, and motivated leader who has proven to be an award winning, goal oriented individual.My abilities to design financial accounting products, negotiate and implement cost saving measures are a testament to my strengths. My experience has enabled me to be a training, coaching, and mentoring provider throughout my career.

My value proposition has always been a persistence encouraging attitude towards my clients, associates, managed staff,community, and family. This philosophy has accentuated my ability to “ do whatever it takes to get the job done”!

Professional Achievements

Skill: BUDGET

Circumstance:

Forecast and compile revenue budget for seven(7) Citi branches concerning the Citibank at Work program with retail regional manager. Promote and grow new program to local and national small and middle market businesses ($5M-$75M) thru presence and education at the workplace.

Action:

Train and develop all branch personnel.Oversaw and coached personnel conduct client presentations.Developed all Bank product cross-sell opportunities.

Result:

Portfolio grew to approximately $225M for the product’s deposit relationships.Quality of growth was at the highest level in FL for 4(four) consecutive years (180%). Measured average balances were around $25K in checking.

Circumstance:

Developed new real estate business focusing on residential, commercial, and leasing opportunities.Had successfully purchased and sold a number of condo’s and townhouses in the marketplace.Wanted to build a successful real estate team in the area marketplace.

Action:

Pursued and obtained business financing from local regional Bank.Developed five(5) year business plan.Purchased national real estate franchise.Enacted Realtor recruitment plan.

Result:

Grew the business to two (2) offices and approx. 60 Realtors and staff.Established approximately 35% market share.Improved equity position in business and personal net worth.

Skill: MARKET

Circumstance:

Comprise market strategy for the area Citi branches and my own personal goals for the Citibank at Work program. Compile branch personnel volumes, referrals, estimated deposit dollars, investments, and lending opportunities.

Action:

Each August we would analyze and compile forecast goals for the area in Palm Beach County.Quarterly checkpoints/MIS was installed. Monthly, quarterly and ytd MIS was implemented.Branch interaction and regular meetings were installed.

Result:

Best quality of growth ( Palm Beach County) inFLfour (4) years consecutively.Our actions drove in organic growth to the area branches. Higher deposit growth for all lines of business.

Skill: PLAN

Circumstances:

Provide exceptional client services as a Premier Client Manager for Bank of America.Consult and advise high net worth clients on investments, deposit growth, trusts, lending....all banking products to better manage their overall net worth.

Action:

To meet and discuss the client’s overall plan regarding their banking expectations, investment risk and diversification, consumer or business lending, trusts, and immediate liquidity needs.

Results:

Improved my managed book of $100M an additional $15M, to approximately $115M. This was done within a five (5) month time period. Installed trust and credibility.

Skill: DEVELOP

Circumstances:

Drive new Citibank at Work program to consumer branch network obtaining all roll out goals and anticipated annual growth within targeted marketplace. Engage all branch personnel to achieve individual goals and specific branch volume targets.

Action:

Compiled specific branch volume/dollar targets. Also compiled individual goals for indirect reports (product Champions). Schedule external companies for an educational on site to drive in the needed numbers.

Result:

Branches were making company presentations tomiddle management and their employees at least three (3) times per week. Goals were exceeded by approximately 185% in volumes, 120% in dollars, 75% over goal in new company relationships, and 130% over goal in cross-selling bank products.

Skill: ORGANIZE

Circumstance:

Organized a large infomercial for approximately twenty (20) middle market companies to discuss the Citibank at Work program, Smith Barney Investments, Small Business Services.

Action:

Hugh partnership interaction with Citi employees from other lines of business. Invitations to bring exiting clients and new prospects.New and existing targeted companies throughout Palm Beach County. Large focus on Healthcare.

Result:

Over two hundred (200) decision makers and representatives at local hotel. Closed approximately forty-five (45) consumerrelationships, five (5) investment relationships, and approximately twenty (20) business relationships. An additional seven (7) relationships resulted within forty-five (45) days.

Skill: MANAGE PROJECTS

Circumstance:

With Citibank Ibrought on board... our national accountrelationship with Tenet Healthcare.Fifteen hospitals in FL and approximately another one-hundredfour (104) throughout the country. Oversaw objective to incorporate our website to every Tenet employee’s desktop.

Action:

Signed relationship agreement. Empowered internal partners such as software developers, branch personnel, group managers.

Result:

Two (2) year relationship with the 2nd largest healthcare provider in the country.New deposit, investments, and all other cross-sell relationships were extraordinary.Approximately 20% of local Palm Beach County market volume.

Circumstance:

Install new line item cost accounting controls for Banerj. Stand alone and integrate with general ledger.

Action:

Compile concept and format for President and Bank personnel to understand. Engage external/internal programmers for system tie ins. Sell the MIS to internal Department Heads.

Results:

Clear and visible understanding of dollars being debited and/or credited between departments.MIS indicated all intra-dollar exchanges between groups with a clear line item explanation.

Skill: DIRECT OTHERS

Circumstance:

Achieve Citi volume and quality goals for Citibank at Work program. Achieve aggressive annual goals for Palm Beach County. Cross-sell bank products, using Bank at Work as the main driver for increased branch volume/relationships.

Action:

Train and educate each Citi branch’s Bank at Work champion to engage and take ownership of the numbers! Engage Group Manager and all branch personnel. Implement incentives for champion... contests, coaching, referrals. Comprise champion goals/branch goals to roll up into my numbers.

Results:

Exceeding area / territory goals for tracking MIS. Volumes, dollar amounts, quality, and cross selling were measurement indicators that were for many years exceeded above 100%. #1 in Florida for four(4) consecutive years.

References

Available upon Request