Cidalia Inacio
Senior Vice President-retail Banking and Operations @Chicopee Savings Bank
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WORK HISTORY
Senior Vice President-retail Banking and Operations @Chicopee Savings Bank
Lead and direct the Bank’s Retail division, including branch administration, eBanking and Customer Service Center, Investment Services, Deposit Operations, Purchasing and Facilities.*Strategic business partner and member of critical leadership committees: Executive Management, Executive Committee, ALCO, Informational Technology, Business Continuity/Disaster Recovery, Compliance and Audit, Risk Management and NDIP Committee.*Develop and implement annual Retail Division operating budget: monitor performance against budget and implement changes as needed to assure budget performance.*Design and implement Retail sales and Business development programs consistent with the Bank’s strategic plan, introducing a new consultative customer centric sales culture.*Lead and direct on going management and execution of the sales and service processes and initiatives that impact branch sales and service behaviors.*Consistently analyze, develop and implement new products and services to assure the right customer mix and diversification.*Yearly analysis and evaluation of all Retail deposit products to assure proper pricing and establish and implement “right” pricing accordingly.*Continually analyze the profitability and efficiency of the Bank’s Retail Division, primarily the branch network, and recommend and implement changes to meet the Bank’s strategic objectives.*Develop, review and recommend policies and procedures for the Retail Division.*Oversee and manage all the FDICA related controls, test and documentation, as well as insure regulatory Compliance and Audit standards.
EDUCATION
Elms College
BS, Management
Babson College
Advanced Leadership, Advanced Leadership Development Program
American International College
Master of Business Administration (MBA)
American International College
MBA, Finance
ABOUT CIDALIA INACIO
Strategic and innovative Retail Banking leader with over 25 years of banking experience. My extensive knowledge and leadership experience, in retail and small business banking, coupled with my formal education, work ethic, ambition, and interpersonal and communicate skills, has made me an effective Retail Banking leader. My work experience consists of all facets of branch banking,(traditional and In-Store), small business development, retail lending origination, deposit operations, and call center management. My leadership experience consists of directly managing multi-unit districts and regions for two of the largest financial institutions in the country, as well as, experience in opening new branches and evaluating and closing non-performing offices. In addition, I have experience in P&L management and budget preparation and controls.
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