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Ramon Towner

- 20 Ketchum St. Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx *







Dear Hiring Manager,



        I am writing this in response to a job vacancy posting for the position of ________________. Please accept my application to become part of your team. My resum is attached for your review and consideration.


What I offer is my 12 years providing high-performance marketing & sales, customer service, branch operations management, and management audits in the banking & financial services industry. I am currently with JP Morgan Chase in Rochester, XXXXXX as a Branch Manager for its Greece Ridge branch. Prior to this, I was with HSBC-owned Beneficial Finance in Canandaigua, XXXXXX as a Branch Manager while serving as a Senior Auditor. For more details, please take a moment to go through my resum .


In all my professional engagements in branch management, I have demonstrated not just my relevant managerial, supervisory and administrative competencies, but also my personal strengths that include a passion for achieving business objectives through sustained customer-focused and results-driven leadership excellence. Along the way, I have also proven my interpersonal communication skills that help build relationships with clients, stakeholders, and industry professional so critical in building a strong reputation and presence in highly competitive markets.

I am confident that my experience and personal strengths offer the right mix of qualifications with which I can help achieve your objectives as part of your management team. Should you need further clarification, or would prefer to schedule an interview, please do not hesitate to reach me through my phone or email address indicated in the heading. Thank you for considering me, and I look forward to hearing from you soon.









Attachment: Resum





Ramon Towner

- 20 Ketchum St. Ÿ Xxxxxx, XXXXXX xxxxxx ( (xxx-xxx-xxxx *


Branch Management Auditing (Banking & Financial Services)


Qualifications Profile


    Highly self-motivated and results-driven management professional with more than 12 years providing high-performance marketing & sales, customer service, branch operations management, and management audits in the banking & financial services industry.

    Detail-oriented without losing sight of the big picture, analytical and methodical with critical thinking to strategize solutions in addressing work issues even under stressful work conditions.

    Well-organized with multitasking and prioritization skills that optimize resources to achieve outstanding results.

    Decisive leadership, strong people management, and exceptional interpersonal communication skills that inspire confidence while forging teamwork synergies with colleagues and subordinates across diverse ethnicities.


Key Expertise

Sales Operations Management

    Marketing & Sales (Trad. & Online)

    Business Development

    Loans & Mortgage Product Development

    Investment/Funds Management

    Territory Sales Administration

    Service Sales Portfolio Management

    Multiple Account Management

    Customer Service Management

    Relationship Management (Customers, Public, & Suppliers)

    Service Quality Management

Financial Management Support

    Profitability Management

    Internal Audit & Control

    Policies & Regulatory Compliance (i.e. GAAP & Sarbanes-Oxley, etc.)

Branch Management/Administration

    Strategic Planning & Execution

    Budget & Resource Management

    Process/Workflow Improvement

    Staff Supervision & Training

    Office & Staff Administration

    Records & Document Management

    MS Office, Social Networking, & Collaborative Computing


Professional Experience


JP Morgan Chase Ÿ Rochester, XXXXXX

Branch Manager Apr 2010 Present

    Manage sales and operations for the 2nd branch in the Greece Ridge out of 27 branches in upstate Xxxxxx.

    Developed and packaged customized banking products for investments, loans, and mortgages.

    Received perfect performance audit at the Scottsville branch on first audit.

    Provided HR support in staff recruitment, hiring 2 members of the team who achieved promotions within the last 3 years and still working for the compaxxxxxx.


Beneficial Finance (owned by HSBC) Ÿ Champaign, IL Ÿ Canandaigua, XXXXXX

Branch Manager Jun 1997 Apr 2009

    Provided direction in managing sales and operations for a banking/financial service branch while providing administrative support in for hiring, training, and reaching goals for Mortgage Loans, Auto Loans, and Personal Loans.

    Hired and developed 2 employees who were promoted to branch managers within 2 years.

    Transferred to Canandaigua, XXXXXX as the Branch Manager with the same responsibilities.

Senior Auditor Mar 2004 Apr 2009

    Led a team of 4 auditors in auditing branch operations in XXXXXX with responsibility for 33 branches and 3 districts.

    Developed and implemented schedules for full and partial audit as required in each branch.

    Coordinated with Branch Managers, District Managers, Regional Managers, and other Audit Managers to ensure success of audits. Investigated complaints from clients, the Attorney General, and employees in the 3 districts.

    Trained new Branch Managers for Compliance and Audit criteria for their branches, assisting the Branch Managers train their staff on axxxxxx audit issues within their branches.

    Completed training for and implemented Six Sigma during tenure.


Note: Unemployed (Apr 2009 Apr 2010) due to HSBC leaving upstate XXXXXX and laying off all personnel.


Education & Credentials


B.S. in Health Occupation Education, with Honors, UNIVERSITY OF LOUISVILLE Ÿ Louisville, KY (1989)


Awards & Recognition

    Received various awards at JP Morgan Chase for new accounts, new deposits, investments and mortgages

Professional Affiliations

    Participant: Annual: Chase Corporate Challenge 5k, Rochester, XXXXXX


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