JOYCE B. PRAGER
Woodland Hills
Summary
Results-driven Business Development Leader in banking and financial services. Expertise in building relationships with small business clients and driving loan volume. Experienced in coaching teams and tailoring banking solutions to meet diverse customer needs, recognized as a key resource within the organization.
Overview
41
41
years of professional experience
1
1
Certification
Work History
Senior Business Relationship Manager, Sr. AVP
WELLS FARGO BANK
Woodland Hills
01.2024 - Current
- Coach/guide 5 local Branches-support/educate available products and services; promote customers' operational excellence. Collaborate with 5 small business bankers, 3-4 Premier bankers, 2-3 Personal bankers and 4-5 FAs per branch location.
- Act as a key resource (subject matter expert on products/services) for bank colleagues and for newly hired Small Business Banking Relationship Managers, by sharing best practices and assisting in learning the various tools/apps.
- Share information to develop skills in credit and deal making with more complex banking issues-treasury management, Letters of Credit, SBA lending opportunities and commercial lending products/services.
- Work closely with Financial Advisors & Wealth Management colleagues supporting their high end investment/commercial clients with business banking solutions and lending.
- Served as primary contact for business customers with $2 million to $25 million in gross revenues, providing counsel and strategic guidance to enhance credit acumen and address future banking needs for numerous high-potential customers below $2 million.
- Managed portfolio of over 450 small business customer accounts, fostering relationships and identifying opportunities for growth.
- Develop lending opportunities through proactive prospecting-cold calling and in person meets/greets and by referrals.
- Create new lending opportunities for non-customers through partnerships with CPAs, Attorneys, and Real Estate commercial brokers.
- Serve as a Company representative on business/government legislative committees for business organizations: VICA Valley Industry and Commerce Association.
- Consistently achieved performance goals each quarter, demonstrating commitment to meeting and exceeding targets.
- Industry: Banking & Financial Services
Senior Business Banker-Develop New Business Relationships
WELLS FARGO BANK
Woodland Hills
10.2014 - Current
- Researched and developed new business leads for potential business banking customers and lending opportunities, enhancing client acquisition efforts
- Provided business lending advice and strategic development, fostering customer growth and financial success
- Managed loan volume access ranging from $500,000 to $7 million
- Facilitated access to business banking relationships, strengthening client networks and opportunities for collaboration
- Industry: Banking & Financial Services
Business Specialist Banker-Solicit New Customers, Maintain Relationships
WELLS FARGO BANK
Woodland Hills
10.2014 - Current
- Cold called to identify and engage potential new business customers
- Create new accounts, support existing accounts
- Add more value to customers through informative face to face meetings of products and services
- Supported senior partners in securing loans and enhancing merchant and banking services
- Industry: Banking & Financial Services
Personal Banker-Customer Sales & Service
WELLS FARGO BANK
Woodland Hills
05.2012 - 10.2013
- Consulted one-on-one with customers on financial products, fostering lasting relationships
- Cultivated and solicited new customer relationships, expanding client base
- Coordinated and implemented large group presentations at offsite events to engage potential customers
- Working within sales and performance measurement goals
- Achieved multiple accolades for outstanding customer satisfaction
- Exceptional attention to procedures, reporting and document processing
- Industry: Banking & Financial Services
Assistant Vice President (New Business Development-~23 states)
FARMERS INSURANCE GROUP OF COMPANIES
Woodland Hills
01.1985 - 01.2010
- Created new affinity strategic customer partnerships through cold calling, letter and proposal-writing campaigns, and in-person presentations with key decision makers.
- Initiated strategies to target 400+ brand name company key decision maker client contacts.
- Defined the marketing strategy approach and identified and managed all initial client relations.
- Developed and closed client relationships, establishing two to three new large contracts annually.
- Negotiated successful deals with clients to finalize agreements.
- Perform and Interpret Potential Client Revenue Earn Analysis-ROI modeling tools.
- Establish new company revenue earn-Cumulative three-year period ($10 million-$100 million).
- Industry: Property Casualty Insurance-Personal Lines
Education
MBA - Finance Concentration
Pepperdine University
Malibu, CABachelor of Arts - Urban Studies
California State University, Northridge
Northridge, CAParalegal-Litigation - Law School Extension
University of California, Los Angeles
Law School Studies - Contracts, Torts, Criminal Law
San Fernando Valley School of Law
CASkills
- Team development
- Banking branch support
- Banking education
- Management and Leadership Roles
- Business development
- Communication: Excellent verbal, written and presentation skills
- Customer Service and Retention
- Problem Solving and Resolution Services
- Direct marketing
- Public relations
- Media Spokesperson/Public Speaker
- Creative marketing strategies
- Organization and Management Development
- Research and Reporting
Certification
- Life Insurance Agent Only, CA Department of Insurance, 0D41891, 2019-current
- Complete Licensing, SIE, 2020, Series 6, 2020-current, Series 63, 2020
Awards
- Golden Spoke Award for Excellence, Wells Fargo-2018, 2019, 2020
- Recognition of Outstanding Service to the Community, United States Congress/Senate, 06/01/98
- Distinguished Businesswoman, County/City of Los Angeles, 1998
- Excellence in Government Communications, Governor Arnold Schwarzenegger, 05/13/04
Accomplishments
- Wells Fargo Golden Circle Awardee 2018, 2019 and 2020 for Excellence in Performance
Affiliations
- Traveled all 7 continents of the World; visited more than 100 countries and cities
Timeline
Senior Business Relationship Manager, Sr. AVP
WELLS FARGO BANK
01.2024 - Current
Senior Business Banker-Develop New Business Relationships
WELLS FARGO BANK
10.2014 - Current
Business Specialist Banker-Solicit New Customers, Maintain Relationships
WELLS FARGO BANK
10.2014 - Current
Personal Banker-Customer Sales & Service
WELLS FARGO BANK
05.2012 - 10.2013
Assistant Vice President (New Business Development-~23 states)
FARMERS INSURANCE GROUP OF COMPANIES
01.1985 - 01.2010
MBA - Finance Concentration
Pepperdine University
Bachelor of Arts - Urban Studies
California State University, Northridge
Paralegal-Litigation - Law School Extension
University of California, Los Angeles
Law School Studies - Contracts, Torts, Criminal Law
San Fernando Valley School of Law