Lawrence Anthony Torres
Relationship Manager @Citizens
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WORK HISTORY
Relationship Manager @Citizens
NJ, US
Manage a portfolio in commercial banking relationships, including small and medium-sized businesses from $2MM-$50MM (SMBs)- Provide strategic advice to clients on growth opportunities, operational efficiencies, and risk management strategies- Develop new business leads through relationship development activities with existing customers as well as external referrals from other bank channels-Assist the sales team in developing proposals for prospective clients by providing financial analysis and recommendations regarding financing alternatives available to the client based upon their specific needs-Serve as an internal resource for colleagues seeking information about industry trends or best practices related to SMBs within assigned market segments-Perform effective financial analysis and underwriting in the areas of credit, cash flow and collateral. As well as, Strong credit skills; Analysis and completion of credit applications up to $10MM in authorizations
EDUCATION
Seton Hall University
Bachelors, Criminal Justice, Business Finance
ABOUT LAWRENCE ANTHONY TORRES
Experienced Commercial Banking Relationship Manager with a demonstrated history of working in the financial services industry. Skilled in SBA 504, Nonprofit Organizations, Analytical Skills, Microsoft Word, and Coaching. Strong finance professional with a Bachelors focused in Criminal Justice, Business Finance from Seton Hall University.
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