Summary
Overview
Work History
Education
Skills
Accomplishments
Certification
Languages
Timeline
Generic
RAMON OLIVEIRA

RAMON OLIVEIRA

Nepean,ON

Summary

Dynamic, attentive, and specialized in retail banking, customer service, lending products, portfolio management, and account management. Driven to help clients make responsible and financially beneficial decisions. Knowledgeable of branch operations and financial products to best support the company and customers. Top-performing professional with substantial experience in banking and finance. Adept at understanding customer needs to recommend appropriate banking products. Detail-oriented team player with strong organizational skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.

Overview

16
16
years of professional experience
1
1
Certification

Work History

Personal Banker

Bank Of Montreal, BMO
09.2021 - Current
  • Work closely with management to strategize sales techniques to increase branch production and customer service.
  • Assist personal and small businesses with setting up lending applications, and signing up for new services.
  • Cross-sell bank products and services to meet customer needs and provide options.
  • Promote financial products by maintaining excellent service offering knowledge.
  • Expand client base by promoting new financial products.
  • Promote financial products by maintaining excellent service offering knowledge.
  • Analyze customers' financial information to deliver personalized account guidance.
  • Implement strategies to increase customer retention, enabling investment growth.
  • Evaluate pay stubs, credit history, tax information, and bank statements for financial status.
  • Remained updated with the latest information related to mortgage products and services being offered.
  • Present financial plans and investment recommendations to clients.
  • Improve customer satisfaction by providing personalized banking solutions and exceptional service.
  • Generate new business by conducting thorough financial needs assessments and offering tailored products to clients.
  • Boost sales of bank products through effective cross-selling and up-selling techniques.
  • Collaborate with branch team members to achieve monthly sales targets and improve overall performance.
  • Delivery of comprehensive financial advice, strengthening client relationships, and promoting long-term loyalty.
  • Manage complex credit applications; and negotiate terms and conditions which result in increased loan approvals for qualified borrowers.
  • Exceed individual performance metrics consistently while maintaining exceptional levels of client satisfaction ratings throughout my tenure as a Personal Banker.

Automotive Finance Manager/Portfolio Manager/Account Manager

Santander Financing, Group Santander Brazil
11.2014 - 02.2017
  • Focused on customer's needs, for example, teaching customers and dealers how to use digital tools such as website and mobile app
  • Effectively communicate competitive advantages on transaction and broad basis to ensure proper product positioning within dealerships
  • Conducted surveys to understand better customers need to provide an excellent client experience
  • They negotiated loan terms and conditions with customers to secure the best deal.
  • Processed loan applications and monitored progress from start to finish.
  • Identified opportunities to cross-sell and upsell loan products to customers.
  • Evaluated loan requests and documents to verify accuracy and completeness.
  • Monitored pipelines to track and log the status of loans.
  • Maximized profitability by negotiating and structuring optimal automotive financing deals.
  • Streamlined loan approval processes for enhanced customer experience and faster turnaround times.
  • Implemented ongoing training programs for sales staff on current financing products, incentives, and promotions.
  • Enhanced dealership sales by providing comprehensive financial solutions to clients seeking vehicle purchase or lease agreements.
  • Collaborated with sales managers to develop effective strategies for overcoming financial obstacles during vehicle negotiations.

Automotive Finance Manager/Portfolio Manager/Account Manager

BV Financeira (Bank Of Brazil)
03.2008 - 11.2014
  • Conducted regular reviews of customer credit applications to maintain accuracy and integrity in the approval process.
  • Optimized dealership revenue by identifying opportunities for additional product offerings such as extended warranties and insurance packages.
  • Consistently achieved monthly performance targets through strategic planning and execution of innovative financing solutions.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Monitored pipelines to track and log status of loans.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Identified opportunities to cross-sell and upsell loan products to customers.

Education

Postgraduate certificate - Financial Planning

Centennial College
Toronto, ON
04.2021

Postgraduate Certificate - Commerce And Business Administration

FGV (Getulio Vargas Foundation)
Montes Claros/MG
07.2014

Bachelor of Science - Economics

State University of Montes Claros
Montes Claros/MG - Brazil
10.2011

Skills

  • Financial Product Expertise
  • Monitor Industry Trends
  • Coaching Clients
  • Sales Expertise
  • Small Business Relations
  • Client Relationship Management
  • Personal Advising
  • Banking
  • Active Listening
  • Account Maintenance
  • Cross-Selling and Upselling
  • Issues Resolution
  • Relationship Building
  • Portfolio Management
  • Customer Service
  • Loans/lending
  • Financial Product Knowledge
  • Banking Policies and Procedures
  • Relationship Building and Management
  • Sales Growth
  • Business Development
  • Sales Strategy

Accomplishments

  • At BMO Bank of Montreal, I was recognized by the Bank of Montreal for the Q4 2022 and Q1 2023 spotlight awards for providing the best customer experience in my networking within the community.
  • At Santander Bank (Financing), I introduced new software to digitalize auto financing documentation and trained vendors and partners. As a result, credit analysis was expedited, and sales revenues increased by 20% in the first year after the implementation.


Certification

  • Canadian Securities Course (CSC) certificated.

Languages

Portuguese
Native or Bilingual
Spanish
Limited Working

Timeline

Personal Banker

Bank Of Montreal, BMO
09.2021 - Current

Automotive Finance Manager/Portfolio Manager/Account Manager

Santander Financing, Group Santander Brazil
11.2014 - 02.2017

Automotive Finance Manager/Portfolio Manager/Account Manager

BV Financeira (Bank Of Brazil)
03.2008 - 11.2014

Postgraduate certificate - Financial Planning

Centennial College

Postgraduate Certificate - Commerce And Business Administration

FGV (Getulio Vargas Foundation)

Bachelor of Science - Economics

State University of Montes Claros

Similar Profiles

CREATE PROFILE
RAMON OLIVEIRA