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Steven Carter

Wealth Design Group | Financial Advisor

Work Experience

Wealth Design Group
Financial Advisor
January, 2017

BNY Mellon
, Trust Administrator
August, 2013 - April, 2016
  • Prepare or direct preparation of financial statements, business activity reports, financial position forecasts, annual budgets, or reports required by regulatory agencies.
  • Monitor financial activities and details such as reserve levels to ensure that all legal and regulatory requirements are met.
  • Analyze the financial details of past, present, and expected operations to identify development opportunities and areas where improvement is needed.
  • Receive, record, and authorize requests for disbursements in accordance with company policies and procedures.
  • Results
  • Maintained good operational standards of the bank and continuously provided accurate and on time deliverables to clients.
  • Received accolades from management and clients for discovering and correcting issues in reporting.

Citibank
, Personal Banker
January, 2007 - June, 2013
  • Establish professional relationships with customers, develop strategic alliances with clientele, and identify new prospects to solicit business accounts.
  • Increase assets and profitability within D.C. metropolitan area and central California territories, monitor financial trends, devise, and implement innovative marketing principles and promotional sales events for commercial projects.
  • Counsel and advise high net-worth individuals and corporate clients with regard to investment opportunities, risk analysis, and monetary returns.
  • Analyze client's financial information to create and supply clients with detailed financial reports and plans, increasing financial success and diversifying client's portfolios.
  • Four time winner of CitiStar's Award for Service Excellence and winner of several awards for sales and operational excellence.

Citibank
, Sr. Banker
July, 2007 - April, 2013
  • Determine customers' financial services needs and prepare proposals to sell services that address these needs.
  • Establish and maintain relationships with individual or business customers or help with financial problems these customers may encounter.
  • Networked within communities to find and attract new business.
  • Approve, reject, or coordinate the approval or rejection of lines of credit or commercial, real estate, or personal loans.
  • Make presentations on financial services to groups to attract new clients.
  • Results
  • Developed and implemented effective campaign to increase sales for Citibank Fresno branch.
  • Built an outside the box campaign targeting Hispanic customers to increase sales.
  • Collaborated with City of Fresno in Cinco de Mayo celebration.
  • Increased sales for the branch by nearly 300%
  • Delivered customer service at award winning level.
  • Educated customers on the benefits of new and existing services and demonstrated methods for effective financial planning to achieve their objectives.
  • Nominated for and received Citi Stars award, Citibank's regional annual award for excellence in customer service.
  • Executed bank regulations and operations.
  • Maintained operational excellence daily and passed all internal operation audits.
  • Remained in compliance with all banking regulations.
  • Followed policies and procedures regarding all banking operations including ATM monitoring, document security, teller operations, new accounts, etc.
  • Successfully executed plan to expand high net worth client base.
  • Assisted in developing and implemented campaign targeting lawyers, doctors, and other high net worth individuals in Washington D.C. to market Citibank's expanded international banking capabilities.
  • The campaign success led to new procedures for servicing high net worth clients at Citibank.

Thomas and Herbert LLC
, PR Representative/Business Development Analyst
January, 2007 - January, 2008
  • Presented research to executive management detailing project scope and budget requirements, and assisted in the project planning process.
  • Conducted budget audits for each projects ensuring that all projects remained on time and in budget.
  • Performed hardware and software installation, website troubleshooting, and quality assurance for customer relationship management (CRM) projects for Housing and Urban Development (HUD) and Security and Exchange Commission (SEC).
  • Identified, developed, and evaluated marketing strategy, based on business development objectives, market characteristics, and cost and markup factors.
  • Evaluated the financial aspects of projects, such as budgets, expenditures, and research and development appropriations, including return-on-investment and profit-loss projections.
  • Presented company performance information at federal procurement events as a public relations representative.

Wells Fargo Financial
, Credit Manager
August, 2006 - July, 2007
  • Conducted audits of loan documents, to ensure compliance with federal regulations, such as the Home Mortgage Disclosure Act (HMDA) and Truth in Lending.
  • Counseled clients on borrowing needs and performed financial planning.
  • Identified problem accounts and negotiated payment programs with delinquent customers, reducing overall number of delinquent accounts.
  • Developed processes and procedures for analyzing accounting documentation such as financial statements, and tax documents, following generally accepted accounting principles (GAAP) and Financial Accounting Standards Board (FASB) requirements.
  • Evaluated and analyzed key business drivers and financial results, and advised management of variances, risks, and opportunities.
  • Analyzed actual operating results throughout the year as compared to budget and projected performance, and coached staff to improve performance as needed.
  • Analyzed personal financial information using underwriting criteria to qualify customers for loans.
  • Developed processes and procedures for analyzing accounting documentation, financial statements, and tax documents.
  • Obtain and compile copies of loan applicants' credit histories, corporate financial statements, and other financial information.
  • Explain to customers the different types of loans and credit options that are available, as well as the terms of those services.
  • Approve loans within specified limits, and refer loan applications outside those limits to management for approval.

Thomas & Hebert IT Consulting LLC
, Business Development Analyst
May, 2006 - August, 2006
  • Generate standard or custom reports summarizing business, financial, or economic data for review by executives, managers, clients, and other stakeholders.
  • Synthesize current business intelligence or trend data to support recommendations for action.
  • Document specifications for business intelligence or information technology (IT) reports, dashboards, or other outputs.
  • Synthesize current business intelligence or trend data to support recommendations for action.
  • Results
  • Gathered data to respond to a job requisition for a government project.
  • Formulated a budget and created a project proposal; delivered the presentation to owners.
  • Identified and presented the case for a lucrative IT consulting project and won the bid for $1.25 million project for the city of Annapolis Maryland Housing Authority.
  • Delivered public relations information to government officials.
  • Presented marketing material to government employees at an IT trade fair.
  • Arranged written materials and communicated information regarding Thomas & Herbert capabilities.
  • Assisted in additional presentations to government officials in private meetings.

Education

Henderson State University, Business Administration, Marketing

Webster University, Masters of Science - Finance

University of Phoenix, Masters of Business Administration

Webster University, Masters of Business Administration - Finance
2019
Henderson State University, Bachelor of Science - Business Administration
2000 - 2005
  • president kappa alpha psi fraternity, marketing club, finance club, science club, varsity football 3yr letterman

Skills

  • OPERATIONS
  • CREDIT
  • LOANS
  • AUDITS
  • BANKING OPERATIONS
  • CUSTOMER SERVICE
  • FINANCIAL PLANNING
  • FINANCIAL SERVICES
  • INCREASE SALES
  • INCREASED SALES
  • NEW ACCOUNTS
  • PROPOSALS
  • REAL ESTATE
  • RECEPTIONIST
  • RETAIL SALES
  • SALES
  • SECURITY
  • STRATEGIC PLANNING
  • FINANCIAL STATEMENTS
  • BUDGETS
  • FORECASTS
  • ACCOUNTING
  • DOCUMENTATION
  • UNDERWRITING
  • BEST PRACTICES
  • BUDGETING
  • COACHING
  • CUSTOMER RELATIONSHIP MANAGEMENT
  • EXCELLENT VERBAL AND WRITTEN COMMUNICATION SKILLS
  • FINANCIAL FORECASTING
  • FORECASTING
  • MICROSOFT OFFICE
  • MS OFFICE
  • MULTITASKING
  • NEW BUSINESS DEVELOPMENT
  • RELATIONSHIP MANAGEMENT
  • TEAM BUILDING
  • TEAM MANAGEMENT
  • TEAM PLAYER
  • TRAINING
  • MARKETING
  • BUDGET
  • BUSINESS DEVELOPMENT
  • BUSINESS INTELLIGENCE
  • PUBLIC RELATIONS
  • FINANCE
  • MASTERS OF BUSINESS ADMINISTRATION
  • MBA

Languages

English
Full professional proficiency

Networks