TRACIE TESTERMAN
DELTA
Summary
Banking professional with extensive experience at M&T Bank, excelling in relationship building and cross-selling techniques. Proven track record in driving revenue growth through effective loan origination and portfolio management. Adept at mentoring teams and enhancing customer satisfaction, ensuring compliance while fostering a positive branch environment.
Experienced with relationship management, financial planning, and client advisory. Utilizes in-depth knowledge of banking products and services to address client needs and objectives. Track record of fostering trust and long-term relationships with diverse clientele.
Qualified Senior Relationship Banker with strong background in managing client portfolios and providing personalized financial solutions. Successfully built and maintained long-term relationships with high-net-worth individuals and businesses. Demonstrated expertise in managing complex financial transactions and delivering exceptional customer service.
Overview
23
23
years of professional experience
1
1
Certification
Work History
Senior Relationship Banker
M&T Bank
10.2016 - Current
- Cultivated strong client relationships to enhance customer satisfaction and loyalty.
- Analyzed financial needs of clients to recommend appropriate banking products and services.
- Streamlined account opening processes, improving efficiency and reducing turnaround time for customers.
- Mentored junior bankers on best practices in customer service and relationship management.
- Collaborated with team members to identify opportunities for process improvements within branch operations.
- Increased cross-selling opportunities through identifying clients'' needs and recommending appropriate banking products.
- Supervised daily branch operations to ensure efficiency, compliance, and a positive customer experience.
- Provided support during audits by ensuring accurate documentation was maintained for all client interactions.
- Collaborated with branch team members to achieve sales targets and improve overall performance.
- Assisted clients with credit applications, guiding them through the process from initial inquiry to loan approval.
- Reported directly to the branch manager, offering weekly updates on client portfolio performance, new business development progress, and other pertinent metrics.
- Generated revenue growth by successfully closing deals on loans, lines of credit, mortgages, and other banking products.
- Cultivated strong customer relationships by providing tailored advice and services.
- Compiled and analyzed data to determine approaches to improve sales and performance.
- Discussed financial options with clients and provided informed suggestions.
Branch Manager
Howard Bank
07.2003 - 09.2016
- Led branch operations, ensuring compliance with regulations and company policies.
- Developed and implemented strategic initiatives to enhance customer satisfaction and retention.
- Managed team performance through coaching, training, and development programs.
- Analyzed financial reports to identify trends and drive operational improvements.
- Cultivated relationships with community organizations to support local outreach efforts.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
Education
Business
North Harford High School
Pylesville, Maryland Skills
- Cash flow analysis
- Loan origination
- Portfolio management
- Wealth management
- Cross-selling techniques
- Money handling
- Cash handling
- Customer Service-oriented
- Relationship building and management
- Banking
- Employee motivation
- Sales expertise
- Financial advising
Accomplishments
- Achieved Sales Excellence Every Year with M&T Bank
Certification
Notary Public For State Of Pennsylvania
Timeline
Senior Relationship Banker
M&T Bank
10.2016 - Current
Branch Manager
Howard Bank
07.2003 - 09.2016
Business
North Harford High School