Objectif-Emploi

Bachelor’s degree of Business Administration with an emphasis in finance and banking.
Customer service and sales representative with 15 years of experience.
Strong knowledge about personal and business banking products.
Proactive and efficient at problem solving.
Excellent communications skills and proven ability to build strong client relationship.
Experience in analysis.
Competent at multi-tasking.
Strong communication skills to build trusting relationships with colleagues and clients.
Knowledge of Microsoft Office.
Ability to use several complex computer systems and interest in learning new technologies.
Spoken and written languages: French, English, Spanish.

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Jan 2016 – Dec 2017

Senior RelationshipManager

International Bank of Costa Rica, San José, Costa Rica

Communicate deffectively, regularly with clients by calls and visits.
Prepared files for new credit applications in accordance with credit guidelines.
Assess the financial capacity of clients to repay loans.
Structured loans, their guarantees, and prepared recommendations.
Conducted periodic assessments of the client portfolio to identify deteriorating credit conditions and validate compliance with the loan agreement.
Analyzed clients needs and advised them with the appropriate financial product options.
Provided customize solutions on credit, repayment and short- and long-term financial needs.
Encouraged collaboration with my colleges at every transaction to provide client’s best service experience.
Constantly acquired new customers to achieve annual sales between $12 Million and up.
Regularly communicated and monitored client portfolios of 150 customers through calls and visits.
Performed a pre-analysis on the financial information presented by the client.
Generated long term relationships by listening to client’s needs, advised, and educated them on appropriate banking products/services.

Aug 2013 – Jan 2016

Relationship Manager - Medium Company

Davivienda Bank, San José, Costa Rica

Built outstanding relationships with clients by listening to their needs and advising them on the appropriate banking products and services.
Provided an exceptional customer service to clients by solving their financial problems.
Managed a portfolio of 350 companies.
Prepared and proposed action plans to loans with issues.
Completed loan files and opened new personal and non-personal accounts.
Organized and updated each client’s file and performed follow-up visits.
Monitored clients' financial activities by analyzing their banking transactions.
Generated long-term relationships with a medium size companies with sales between $1 Million to $10 Million
Responsible for a client base of 350 companies
Organized and carried periodic maintenance and followed-up visits to all my customers
Recognized in this position for surpassing sales in 2014 achieving of 108% and in 2015 achieving of 110%

Aug 2010 – Jul 2013

Small Business adviser

Scotiabank SanJosé, Costa Rica

Advised clients to achieve their goals by providing comprehensive plans.
Prepared and updated client files annually.
Developed sales strategies to achieve goals. Identify, input, analyze and interpret data
Monitored a portfolio of clients to find new business opportunities. write reports
Analyzed and controlled different markets and adjusted plans for the client if necessary.
Applied knowledge of regulatory compliance with established policies, standards, and procedures.
Highly organized to follow up and maintaining client base.
Received new client’s referrals based on the recommendation of current strong and long relationships with clients.
Helped customers to achieve their goals, providing advice with comprehensive plans.
Developed and personalized strategies to achieve targets for day-to-day banking, investments, and loans.
Awarded for providing excellent customer service, according to customers review in 2012.

Jul 2004 – Jul 2010

Financial Representative and Credit Analyst

Analyzed the risks associated with credit files.
Provided insights about client’s financial information and formulated recommendations to facilitate credit decision making.
Identified, developed, and retained business opportunities to achieve branch goals, providing a positive experience for clients.
Searched and evaluated loan applicant's financial status, references, credit, and client’s ability to repay the loan.
Developed financial development plans that are precise and personalized to the client's situation.
Led analysis of financial information of each client, to approve or reject the credit request presented by the client
Recognized by the Branch Manager to share with teams’ best practices to achieve branch sales targets by detecting in a first interaction client’s need.
Detected, developed, and retained business opportunities to contribute with branch goals generating a positive customer experience.
Overachieved goals every year, but in 2007 and 2011 surpassed my sales goals on 200%.

Jan 2002 – Jun 2004

Customer Service Representative

Listened attentively to customers requests, determined their needs, and proposed personalized solutions to ensure their satisfaction.
Strong knowledge of all personal banking products and services.
Provided excellent customer service.
Exceeded goals by creating new business opportunities.
Identified, created, and referred new business opportunities with branch portfolio.
Provided customize solutions and resolved client’s concerns by listening carefully customer’s needs.
Excelled in listening and solving issues that concerned customers, ensuring each client left satisfied.
Created and developed long-term relationships with new and existing clients by providing financial advice.
Analyzed customer’s needs and offered tailored financial advice as well as the appropriate solution to their request.
Strong knowledge about all personal banking services and products.
Helped and supported customers to complete their transactions.
Highly recognized by managers and customers for providing excellent service and surpassing targets creating and referring new business opportunities.

Sep 2001 - Dec 2001

CustomerService Representative and teller

Identified new business opportunities mostly on the first interaction and referred the client to theExecutive in the Branch.
Helped customers through completing transactions.
Recognized for exceeding targets by creating and referring new business opportunities (services and products) to the team.

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LatinUniversity of Costa Rica, 2003 - Bachelor’s in business administration with an emphasis in finance and banking

MIFI Equivalences obtained in 2021 for the diploma - Bachelor’s degree in Banking and Financial Operations

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Mar. 2020 to present : Francisation(MIFI),Centre Yves-Thériault, Montréal, QC

Mar. 2019 - Aug. 2019 : Swimming Instructor and Lifeguard, Zastsman Sportsplex, Nova Scotia, Canada

Mar. 2018 – Feb. 2019 : English Course, Central Library, Halifax, NS

Jun. 2015 : Workshop “Awareness in the Service”, Scotiabank, Costa Rica

Dec. 2011 : Workshop “Excellence in Sales” Scotiabank, Costa Rica

May. 2011 : Course “Sales Based on Relationship”, Institute of sales, Costa Rica

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Patricia