COLLEEN MACHADO

• Built long-term relationships with mid-large size clients ($25MM- $500M in revenue) by utilizing active listening, effective communication and dynamic skills working directly with C-suite management.
• Generated new leads through various prospecting methods, presenting opportunities to sell services and build larger client base.
• Experience working with variety of clients—manufacturers, wholesalers, distributors, wineries, beverage, oil and gas, insurance, healthcare, title companies, dealerships, mortgage warehousing, commercial real estate professionals.
• Achieved client loyalty through quality, productivity, service and proactive management.
• Collaborated with various departments to deepen relationships and deliver individualized customer solutions with product partners.
• Cross sale experience that includes treasury management, commercial card, merchant services, international sales products and private banking services.

Accomplishments.

• Managed diverse portfolio of clients totaling $90MM in loans and $150MM in deposits.
• Self-sourced $22MM in new business loans and $14MM in new deposits in 2022.
• Grew overall portfolio revenue by $498M through new loans, deposits and core fee income including treasury management services, commercial card, merchant services and private wealth.

• Managed portfolio of commercial clients that ranged from $10MM to $200MM in annual revenue
• Grew book of business revenue by 25% 3 years straight through growth in loans, deposits and cross-sales
• Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
• Built and maintained relationships with new and existing clients while providing high level of expertise.

• Reviewed customer financial data to ascertain level of risk involved for extending credit.
• Conducted credit annual reviews commercial businesses to assess financial conditions.
• Monitored and maintained compliance with internal controls and government regulations.
• Met with upper management and provided insight into credit decisions.

• Gathered and reviewed client data and collateral analysis needed to underwrite risk.
• Prepared financial ratios and spreads using computer programs to evaluate customer financial status.