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Tabatha Ratto Harkin
2752 Rochele Street Santa Rosa, Ca 95403 * (707) 328-5875 *
tabatha2672@yahoo.com
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Summary
Results oriented professional with strong business development skills, 15 years plus
experience working directly with small and mid size businesses and owners,
Identifying and strategizing solutions for their cash and deposit needs.
Possesses impeccable profiling skills, resulting in client’s advocacy and profitable new
Needs relationships. Passion for developing new business by identifying clients needs
not yet realized. I strive to provide value by recommending unique solutions.
Differentiating myself from any competition, doing whats right, keeping my word,
being transparent and open while making a Difference.
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Professional Experience
US Bank, Santa Rosa, Ca
Vice President Branch Manager, Dec-2013-July 2016
• Independently soured CRA opportunities by provided educational seminars, for
convalescent homes, elementary schools in low and moderate income area’ and
the Jewish Community Center.
• Analyze and evaluate financial loan packages and bank statements, identifying,
clarifying irregularities for the appropriate decision on the clients’ eligibility for
credit.
• Consistently enrolled 4 new business clients, averaging 12 consumer accounts
monthly for a period of 2 years. Ranked #1 in Region for this result.
• Orchestrated new hire program for Branch Managers, insuring business
development skills are instilled and executed to the banks satisfaction.
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CITI Bank, Santa Rosa,
Vice President Branch Manager Sep 2010 – Dec 2013
• Top producer in Mortgage booking 1.5 million monthly.
• Reduced branch turnover by actively insuring career development plans were
executed, goal clarification, being open to all feedback and providing recognition
the way the employee appreciates.
• Mentored sales staff to success who in turn achieved top 1% in sales rankings
and received promotions .
• Maintained branch profitability when margins were tight by controlling hard
dollar costs, overtime, supply expenses as well as fee refunds.
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2. Circle Bank, Santa Rosa
Assistant Vice President, Branch Manager July 2009-Sep 2010
• Exceeded deposit growth goal of $14 Million to $21 Million in 6 months time.
• Increased customer service goal from 85% to 97%
• Reduced Salary expense from 18,000 in 6 month time frame
• Innovated Business Development Competency program transforming Manager’s
and Bankers to be competent and efficient in brining new business to the bank.
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Bank Of The West, Petaluma
Assistant Vice President Branch Manager Jun-2004 – July 2009
• Consistently booked 2 million in small business lending without BBO deals
counting.
• Maintained cross sell of 3.6
• Managed 3 platform sales staff whom all achieved over 100% for 2 years, every
quarter, continuously for 3 of 5 years.
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Citi Bank, Santa Rosa
Business Banking Specialist, Jul 2000- Jun 2004
• Worked directly with Area and Branch Mangers evaluating and assessing
individual branch needs. Providing training and coaching for results booking
loans and submitting complete credit applications month over month.
• Relied upon by 120 financial center to review credit applications before
submission, liaison between underwriter and branch , reviewed denied loans for
potential counter offer and availability to attend business appointments as
requested.
• Developed and implemented business lending promotions to engage and motivate
team for my assigned area’a and regional level when requested.
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Additional Banking positions
Bank Of The West, Financial Service Consultant 1998-2000, Petaluma, Ca
Eureka Bank, New Accounts Specialist, !996-1997 Santa Rosa
Redwood Credit Union, Member Service, Loan Clerk and Teller 1992-1996 ,
Petaluma,
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Community Involvement and Service
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• Currently A Notary Public until 2020
• BNI Santa Rosa Midday Power Partner Secretary, 2015
• Elected Treasure Celebration Of Live Charity, 2015
• Advisory Board Member, Woman Against Rape, United Against Sexual Assault
2010-2011
• Elected Petaluma Valley Rotary, Board of Directors, 2007