Irahilda Acosta Morales
Phoenix
Summary
Seasoned Retail Relationship Banker with background in managing diverse client portfolios and fostering robust financial relationships. Strengths include superior customer service, effective communication skills, and deep understanding of banking products and services. Known for ability to strengthen bank-client relationships resulting in improved client retention rates. Implemented strategies that enhanced operational efficiency in previous roles.
Overview
7
7
years of professional experience
2016
2016
years of post-secondary education
1
1
Certification
Work History
Retail Relationship Banker
BMO Bank of Montreal
Phoenix
11.2023 - Current
- Provided exceptional customer service to enhance client relationships and satisfaction.
- Assisted clients with account openings, inquiries, and transactions efficiently.
- Educated clients on banking products to meet their financial needs effectively.
- Managed client portfolios, ensuring compliance with banking regulations and policies.
- Developed tailored financial solutions for clients based on individual circumstances.
- Evaluated loan applications and financial documents for eligibility.
- Communicated with clients to gather necessary information and documentation.
- Collaborated with underwriters to ensure compliance with lending guidelines.
- Educated clients on loan options, terms, and processes for informed decisions.
- Provided ongoing support throughout the loan process until closing completion.
Associate Banker
BMO Bank of Montreal
Cave Creek
07.2023 - 11.2023
- Educated customers on banking products and services available.
- Collaborated with team members to improve customer service protocols.
- Managed daily cash transactions and reconciled discrepancies promptly.
- Conducted financial assessments to recommend suitable banking solutions.
- Supported branch operations by maintaining accurate records and reports.
- Trained new staff on operational procedures and customer interaction techniques.
- Conducted financial transactions such as deposits, withdrawals, transfers, loan payments and cashier checks.
- Educated customers about the features and benefits of different types of banking products offered by the bank.
- Monitored customer accounts for suspicious activities or potential fraud cases.
- Assisted customers with account opening and maintenance.
- Assisted clients with account inquiries and banking transactions.
Housing Counselor
Pathstone
Chambersburg
05.2021 - 07.2023
- Provided comprehensive housing counseling to clients facing housing instability.
- Developed personalized action plans based on client needs and housing resources.
- Conducted workshops on tenant rights and responsibilities for community members.
- Collaborated with local agencies to connect clients with essential support services.
- Assisted clients in completing housing applications and financial assistance forms.
- Maintained accurate records of client interactions and case progress in systems.
- Educated clients about affordable housing options and eligibility requirements.
- Verified proof of income submitted by applicants applying for subsidized housing programs administered by public housing authorities.
- Developed outreach materials such as brochures, flyers, newsletters, webpages to promote homebuyer education classes.
- Evaluated client eligibility for various state and federal programs such as HUD counseling grants and down payment assistance programs.
Financial Services Representative
F&M Trust
Chambersburg
05.2018 - 05.2021
- Assisted clients with account inquiries and service requests efficiently.
- Educated customers on financial products and services available at F&M Trust.
- Processed transactions accurately, including deposits, withdrawals, and transfers.
- Conducted routine account maintenance to ensure data accuracy and integrity.
- Held financial conversations with clients and prospects to determine needs and provide appropriate solutions.
- Cold-called potential clients to discuss available financial products and services.
- Fostered relationships with new and existing customers through excellent customer service skills.
- Offered sound financial recommendations to promote financial security, moving clients to take action.
- Utilized assistive software, reporting tools and illustrations to educate clients on financial services and planning.
- Conducted regular reviews of existing portfolios to ensure they remain in line with clients' goals.
Education
Dr. Maria S Lacot
Guayama , PRSome College (No Degree) - Business Administration
Inter American University
Guayama, PRSkills
- Customer account management
- Financial product education
- Loan evaluation
- Regulatory compliance
- Transaction processing
- Relationship building
- Risk assessment
- Record keeping
- Problem solving
- Effective communication
- Detail orientation
- Time management
- Conflict resolution
- Cash handling expertise
- Cross-selling
- Banking software proficiency
- Loan processing
- Credit analysis
- Financial advising
Languages
English
Native/ Bilingual
Spanish
Native/ Bilingual
Certification
- NMLS Licensed
- Bai Courses
Timeline
Retail Relationship Banker
BMO Bank of Montreal
11.2023 - Current
Associate Banker
BMO Bank of Montreal
07.2023 - 11.2023
Housing Counselor
Pathstone
05.2021 - 07.2023
Financial Services Representative
F&M Trust
05.2018 - 05.2021
Dr. Maria S Lacot
Some College (No Degree) - Business Administration
Inter American University