Margarita Kaliviotis
Cary
Summary
Highly skilled and accomplished Bank Branch Manager, Business Development and Relationship Manager with a track record of impressive revenue growth, combined with awards for professional experience.
Overview
15
15
years of professional experience
Work History
BRANCH MANAGER
TRUIST
Durham
10.2023 - Current
- Oversee branch operations ensuring efficient functioning and compliance with policies and procedures, regulations and guidelines
- Collaborate with other departments and work effectively to achieve company goals
- Motivate and inspire sales team by fostering a positive and productive work environment to drive sales performance
- Align products and services with clients’ needs and objectives
- Meet business goals and metrics with focus in deposits relationships and lending products by implementing company’s strategic business plan
AVP, Business Development Manager
NORTHERN BANK AND TRUST
01.2013 - 01.2016
- Established goals and KPIs to track performance in real-time
- Used product knowledge to develop consultative relationships with clients
- Spearheaded the launch of new branch products
- Led a business development team and used coaching and mentoring where each team member exceeded goals
- Built and retained client-focused partnerships
- Increased deposits by 40% and increased customer satisfaction rate by 25%
- Provided C-Level Executives with insights and input into strategic planning
RELATIONSHIP MANAGER
ENTERPRISE BANK
01.2008 - 01.2013
- Managed comprehensive customer relationship initiatives, focusing on sales of financial products, operational efficiency, and customer service excellence
- Drove new business development, increasing commercial and small business loan portfolios by 20%
- Implemented strategies to enhance customer retention, resulting in improved long-term growth for core deposit accounts and wealth management products
- Collaborated with cross-functional teams to align service delivery standards with business objectives, ensuring regulatory compliance
- Trained branch staff on sales techniques and customer service Best Practices, increasing overall branch productivity by 15%
- Monitored branch performance against key metrics, ensuring alignment with operational goals and identifying areas for process improvement
- Directed a branch team of 18, successfully implementing strategies that exceeded sales targets and improved customer satisfaction by 20%
BUSINESS DEVELOPMENT/SALES MANAGER
TD BANK NORTH
01.2007 - 01.2008
- Implemented sales training programs that enhanced the performance of branch employees, contributing to a 15% increase in sales productivity
- Ensured compliance with regulatory standards while optimizing branch operations to meet performance objectives
CUSTOMER SERVICE/SALES/BRANCH MANAGER
TD BANK NORTH
01.2005 - 01.2007
- Oversaw branch operations with a focus on sales management and customer service excellence
- Led a team to improve sales performance and customer service delivery, increasing customer satisfaction score by 15%
- Coached and mentored branch employees on achieving sales goals and delivering exceptional customer service
- Monitored branch performance metrics to identify areas for improvement, resulting in more efficient service delivery and increased customer retention
Education
MBA - BUSINESS ADMINISTRATION
SOUTHERN UNIVERSIT OF NEW HAMPSHIRE
Bachelor of Arts - BUSINESS ADMINISTRATION
SOUTHERN UNIVERSIT OF NEW HAMPSHIRE
Associate - BUSINESS ADMINISTRATION
CONCORD COMMUNITY COLLEGE
Skills
- Strategic Planning
- Goal Setting/KPIs
- Change Management
- Cross-Functional Collaboration
- Client Loyalty
- Marketing/Lead Generation
- Solutions Selling
- B2B/B2C Sales
- Team Coaching/Development
- Continuous Quality Improvement
- CRM
- SalesForce
- Microsoft Dynamics
- Financial Analysis Tools
- Excel
- Power BI
Affiliations
- Bedford Rotary International, President
- Billerica Lions International, Vice President
- Greater Lowell Habitat Humanity, Board of Directors
- Town of Chelmsford, Finance Committee Member
Languages
- Fluent in English
- Fluent in Greek
Professional Highlights
- $7M Revenue Generated: Delivered customized financial solutions for key accounts in mortgages and business loans, converting 50% of 34 high-quality leads into long-term clients.
- Exceeded Sales Targets: Achieved $600K above projected revenue, accelerating core deposit growth to over $4.5M within 12 months.
- Community Engagement: Strengthened the bank's profile by developing strategic alliances and serving in leadership roles, including as Community Liaison and Board Director.
- 50% Increase in Client Retention: Implemented a comprehensive customer relationship strategy, raising retention rates by 50% through customized solutions and consistent client follow-ups.
- Optimized Branch Operations: Led an 18-member branch team to streamline operations, increasing productivity by 20% and surpassing sales targets by 25%.
- Award-Winning Sales Leadership: Honored with the Gold Presidents Award for surpassing annual sales goals of $11M, demonstrating exceptional leadership in high-stakes environments.
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Accomplishments
- Implemented new quality assurance procedures to maximize customer satisfaction and loyalty.
- Improved employee satisfaction and reduced turnover.
- Received the “Presidents Award” for exemplary performance and recognition for exceeding company annual goals.
Timeline
BRANCH MANAGER
TRUIST
10.2023 - Current
AVP, Business Development Manager
NORTHERN BANK AND TRUST
01.2013 - 01.2016
RELATIONSHIP MANAGER
ENTERPRISE BANK
01.2008 - 01.2013
BUSINESS DEVELOPMENT/SALES MANAGER
TD BANK NORTH
01.2007 - 01.2008
CUSTOMER SERVICE/SALES/BRANCH MANAGER
TD BANK NORTH
01.2005 - 01.2007
MBA - BUSINESS ADMINISTRATION
SOUTHERN UNIVERSIT OF NEW HAMPSHIRE
Bachelor of Arts - BUSINESS ADMINISTRATION
SOUTHERN UNIVERSIT OF NEW HAMPSHIRE
Associate - BUSINESS ADMINISTRATION
CONCORD COMMUNITY COLLEGE
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