Branch Manager Management Team

Isabel Garnica

Contact:

Cell Ph. 325-***-****

City, State Christoval, Texas

Email ad6x42@r.postjobfree.com

Successful Bank Executive and Manager, talented at leading strong teams, increasing business and maximizing profitability.Results-focused executive leader adept at maximizing revenue and customer acquisitions, proactive decision maker. High-performing Bank Executive offering over 15-years experience overseeing high-value customers and bank programs, highly effective at turning corporate mandates into actionable policies that optimize operations and grow revenue. Resourceful, forward-thinking leader talented at keeping bank at forefront of market, Believe in cultivating management team from within. Dedicated Branch Management offering over 15- years of financial industry success. Familiar with bank regulations, financial best practices and effective sales strategies. Builds productive relationships to drive business success. Skilled Leadership progressing through positions of increasing responsibility and establishing continuous record of success. Proactive Leader with strong background in financial analysis, budgeting and forecasting. Develops and implements financial plans and delivers strategic financial advice. Results-driven experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach.

Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

2017- 2023 BBVA/PNC Bank San Angelo, Tx

AVP-Branch Retail Executive- Branch Manager

Utilized up-to-date information to make effective decisions governing bank operations Provided direction and leadership to all employees to maximize productivity and bottom-line profitability. Set risk management policies to mitigate bank losses. Monitored expenditures to mitigate risk of overages. Upheld stringent bank standards for loans, money handling, and legal considerations. Supervised branch operations and made continuous improvements in each area. Represented bank at community events to establish strong ties and promote business. Built and maintained productive relationships with internal and external C-level executives to facilitate business success. Created financial dashboards to provide insights into key performance indicators.Designed and maintained financial models to identify and measure risks.Collaborated with C-level executives and stakeholders to develop long-term financial plans.Developed strategic plans for day-to-day financial operations. Established and checked coding procedures, monitored reports and updated internal files. Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities. Utilized financial software to prepare consolidated financial statementsEstablished internal audit procedures to validate and

improve accuracy of financial reporting. Prepared internal and regulatory financial reports, balance sheets and income statementsSupported financial director with special projects and additional job duties.Checked payroll, vendor payments, commissions and other accounting disbursements for accuracy and compliance. Conducted financial due diligence on potential investments and acquisitions Analyzed business processes to identify cost savings and operational efficiencies. Evaluated and negotiated contracts to procure favorable financial terms. Performed banking, business administration and financial tasks to guarantee five-star service for clients.Improved overall financial reporting by streamlining control processes and reporting structures Implemented and regularly reviewed financial controls to generate accurate and reliable financial data Complied with established internal controls and policies. Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.

Created and managed financial models to evaluate corporate investments and acquisitions.

1996-2006 International Bank of Commerce, Corpus Christi, McAllen,Tx

Title(s); Teller, Teller Supervisor, New Accounts Supervisor,Referral Coach, Branch Operations and Sales Manager

My duties included; operated box on the teller line assist with deposits, withdrawls, payments, all teller duties, buying, selling monies, promoted onto teller supervisor, over saw the teller line and all tellers, included scheduling, selling, buying monies, atm balancing night deposit balancing, teller audits, kept charted goal chart for each individual teller. as a referral coach I was in a coaching committee that motivated and coached teller line personnel and new accounts representatives, going to assigned branches and hands on coaching and motivating individuals in order to produce a more efficient goal oriented branch ( Sell, Sell) New accounts Supervisor, as a new accounts supervisor I overlooked the new accounts department, goals, referrals, qualitycontrol, training, opening new accounts, assisted existing customers with new business referrals, referred to investments dept. teller line scheduling, new account re scheduling, had a weekly lobby meeting with teller line and new accounts rep to impliment new ideas for reaching our branch goals and customer satisfaction. Branch Operations Manager as a branch operations manager i managed all lobby and teller Personnel, all audits, all resports, weekly manager meetings at corporate. performed all duties in the branch in every dept as needed.

2006-2011 Wells Fargo Bank Donna, Tx (Relocated/Moved to Christoval, Tx )

Customer Service Sales Manager II (CSMII)

My duties included; I managed all teller line and lobby personnel,set daily, weekly, goals for all employees, coordinated weekly sales meetings and operated a teller box as needed, balancing of the vault, night dseposit and managed the lead teller and new accounts department, opened new accounts and existing business. scheduling of all personnel, in the fundraising commitee and volunteer for habitat for humanity.

2012-2014 DCS Medical Control Services & documenting/Spherion, San Angelo, Tx (after moving to Christoval, Tx)

Document Control Clerk /Specialist, Duties and responsibilities included: Logging, Charting, Quality Checking, Archiving, Electronic Auditing of all medical charts sent in from around the country from different providers and hospitals, also familiar with medical coding, Billing, And medical discussions, and appeals. all computer spreadsheets and reports, and all office equipment and process.

Affiliations:

•Hispanic Scholarship Fund National Hispanic Scholarship speaker and motivational participant.

•Community Youth Service (Financial Literacy JH-HS)

•Market Advisory Board (Continuing Education)

•Minority Groups Advocate

•Small Business Women's Advocate

Certifications:

NMLS Certified

National Notary

CM- Certified Wo

EDUCATION

June 1992 Edinburg, TX

Business Management Business Administration

The University of Texas Rio Grande Valley

• GPA 3.6ACCOMPLISHMENTSACCOMPLISHMENTS

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