Joel Morillo

• Fluent in English and Spanish
• Multi-tasking & problem-solving
• Motivated to help people achieve financial goals.
• Exceptional listening and communication skills in person and over the phone.
• Ability to work effectively in a team environment, building strong relationships with colleagues and business partners.
• Ability to use critical thinking to solve problems and provide solutions to customer issues.
• Demonstrated proficiency using the phone to engage with customers.
• Basic computer skills.
• Strong financial acumen; general knowledge of consumer and small business products, and small business lending.
• 11 years of experience in a customer facing environment including a minimum of 8 years in Financial Services with direct experience acquiring new client relationships and developing existing client relationships.

FINRA – Series 63

New York Life Insurance

Santander Bank

Senior Relationship Banker / Consumer & Business Banking

NEW YORK, NY January 2022 to Present

• Put the customer at the center of everything you do, deepen relationships and make connections during every interaction.

• Engage customers through proactive, outbound calling for both service and relationship deepening opportunities.
• Assess customer needs by being genuinely curious, asking questions, and identifying opportunities to help achieve their financial goals today and in the future.
• Be the expert on Santander products and services and be able to articulate the benefits that will help customers based on their need.
• Independently manage a portfolio comprised of both High Value consumer clients and Small Business customers with annual revenue up to $5MM.
• Aptitude & interest in serving business clients- reviewing financial statements and advanced knowledge of small business credit.
• Participates in joint calling with Product partners to generate and deepen relationships with business customers.
• Recommend the best needs-based solution; deliver solutions directly as well as introduce key partners (i.e. Investment, Mortgage etc.) when appropriate.
• Build trust and deliver solutions by setting expectations and meeting commitments.
• Develop relationships with new and existing customers by maintaining contact through early engagement calls and regular outreach to portfolio customers.
• Deliver an outstanding customer experience in every interaction. Ensure timely follow up and escalate for resolution when appropriate.
• Ensure compliance with all bank policies, procedures and regulatory requirements

• NEW YORK, NY April 2019 to December 2021

  Sharing the value of Chase Private Client with clients that may be eligible

• Partnering with Business Relationship Manager, to proactively contact business clients from my book of business 
• Engaging business clients and discovering their financial needs when opening their accounts and meeting with them 
• Tailoring product and service recommendations business clients such as business loans, investment, merchants services, and credit cards
• Actively managing their banking relationship through an advice-based approach and ensuring each client receives the best products, services for his or her needs
• Partnering with Specialists (Private Client Advisors, Mortgage Bankers, and Business Relationship Managers), to connect customers to experts who can help them with specialized financial needs
• Making lives of clients more convenient by sharing and setting up self-service options to access their accounts 24 hours a day/7 days a week
• Adhering to policies, procedures and regulatory banking requirements

Feb. 2017 to March 2018

• Managing assigned customers and proactively meeting with them - in person and over the phone - to build lasting relationships. discover financial needs and tailor product and service recommendations
• Making lives of customers easier by sharing and setting up self-service options to access their accounts 24 hours a day/7 days a week
• Partnering with Specialists (Financial Advisors, Mortgage Bankers and Business Relationship Managers), to connect customers to experts who can help them with specialized financial needs
• Adhering to policies, procedures and regulatory banking requirements
• Personal Banker / Teller / Business Specialist

• Engaging the client by welcoming them with a warm friendly smile, pleasant demeanor, using the client name, whenever possible, and thanking them for doing business with Chase
• Having a passion for helping customers and making clients feel appreciated
• Account opening based on the type of account and customer needs
• Expert knowledge in our self-service and digital platform helping customers learn how to complete their banking needs whenever and wherever and however they want with these self-service options
• Exhibits strong customer service skills, presenting consumer-bank focused products and services while proactively educating clients on utilizing available access channels

• Bachelor of Science – Computer Information Systems 
• FINRA - Series 6
• FINRA – Series 63
• New York Life Insurance