Nathan Richardson

Personal Banker
Phone: (555) 234-5678
Address: Chicago, IL
Website: https://linkedin.com/in/nathanrichardson
Email:
  • Licensed Personal Banker with 3 years managing $8.5M portfolio across 180+ client relationships at community and regional banks
  • Specializes in consumer lending and deposit products, consistently exceeding quarterly sales targets by 18% through consultative approach
  • Proven track record in mortgage origination with $2.3M in residential loans processed, maintaining 95% customer satisfaction rating
  • Expert in KYC/AML compliance procedures and cross-selling banking products to drive revenue growth

Work Experience

First Community Bank

Personal Banker

June 2022 - Present
  • Originated $1.8M in consumer loans across 45 clients, maintaining 2% default rate well below bank average of 4%
  • Managed portfolio of 120 high-value checking and savings accounts totaling $5.2M in deposits
  • Exceeded monthly sales goals by average of 22% through strategic cross-selling of credit cards and investment products
  • Reduced account opening processing time by 25% through implementation of streamlined documentation workflow
  • Advised 35+ first-time homebuyers on mortgage products, resulting in $1.2M in residential loan originations
  • Maintained 97% customer satisfaction score through proactive relationship management and financial education

Regional Trust Bank

Banking Associate

August 2021 - May 2022
  • Processed 150+ daily transactions with 99.8% accuracy rate, handling cash management and deposit operations
  • Identified and resolved account discrepancies totaling $45K, preventing potential compliance violations
  • Assisted customers with mobile banking setup and digital product adoption, increasing online engagement by 30%
  • Supported senior bankers with loan documentation review and credit analysis for commercial accounts
  • Completed comprehensive AML training and maintained BSA compliance across all customer interactions

Metro Credit Union

Customer Service Representative

June 2020 - July 2021
  • Handled 80+ member inquiries daily via phone and in-person, maintaining 94% first-call resolution rate
  • Processed loan applications and account modifications, ensuring compliance with credit union policies
  • Educated members on financial products and services, contributing to 15% increase in new account openings
  • Collaborated with lending team to support underwriting process for auto and personal loans

Education

University of Illinois at Chicago

Bachelor of Science in Finance

Graduated: May 2020
  • Concentration in Banking and Financial Services
  • Relevant Coursework: Commercial Lending, Risk Management, Financial Analysis, Banking Operations
  • Dean's List: Fall 2019, Spring 2020
  • Finance Club Treasurer (2019-2020)

Professional Development

Certificate in Banking Fundamentals

American Bankers Association

2021

Anti-Money Laundering Certification

ACAMS

2022

Residential Mortgage Lending Course

Mortgage Bankers Association

2023

Skills

Technical Banking Skills

  • Banking Systems: FIS Core Banking Platform, Jack Henry SilverLake, nCino Loan Origination
  • Credit Analysis: FICO Score interpretation, debt-to-income calculations, loan underwriting procedures
  • Financial Software: Excel financial modeling, Salesforce CRM, DocuSign electronic signatures
  • Payment Processing: ACH transactions, wire transfers, check imaging systems

Regulatory and Compliance Knowledge

  • KYC/AML Procedures: Customer identification, suspicious activity reporting, BSA compliance
  • Consumer Protection: TILA, RESPA, Fair Credit Reporting Act, Equal Credit Opportunity Act
  • Privacy Regulations: GLBA compliance, customer information security protocols

Customer Relationship Management

  • Consultative Sales: Needs assessment, product recommendation, objection handling
  • Financial Education: Mortgage guidance, credit improvement strategies, retirement planning basics
  • Conflict Resolution: De-escalation techniques, problem-solving for complex account issues

Awards & Recognition

Top Performer Award

First Community Bank

2023
Exceeded annual sales goals by 20%

Customer Service Excellence Award

First Community Bank

2022
Maintained highest satisfaction scores in branch for 6 consecutive months

Dean's List

University of Illinois Chicago

2019-2020
Maintained GPA above 3.7 for final two semesters

Banking Case Study Competition - 1st Place

University of Illinois Chicago

2020
Developing small business lending strategy presentation

Professional Certifications

NMLS License #1234567 - Mortgage Loan Originator

NMLS

Current

Illinois Banking License - Consumer Lending Endorsed

State of Illinois

Current

CAMS Certification - Certified Anti-Money Laundering Specialist

ACAMS

2022

ABA Bank Compliance Certificate

American Bankers Association

2021