HARPREET SINGH

Small Business Relationship Banker | U.S. Bank
* Manage a portfolio of small business clients by delivering customized financial solutions, including business lending, treasury management, deposit products, merchant services, and business credit card programs.
* Drive business development through proactive prospecting, networking, Centers of Influence (COI) referrals, and community engagement, consistently exceeding revenue, relationship growth, and production goals.
* Conduct comprehensive financial reviews to identify opportunities for business growth, cash flow optimization, liquidity management, risk mitigation, and profitability enhancement.
* Analyze business financial statements, tax returns, and cash flow trends to structure and recommend lending solutions, including SBA loans, term loans, lines of credit, equipment financing, and commercial real estate lending.
* Partner with Treasury Management, Merchant Services, Wealth Management, Commercial Banking, and Payment Solutions teams to deliver comprehensive banking strategies and enhance client relationships.
* Advise business owners on working capital management, expansion planning, acquisitions, equipment purchases, and long-term growth initiatives.
* Deepen existing relationships through strategic cross-selling of banking products and services, increasing client retention, profitability, and wallet share.
* Consistently achieve top performance in revenue generation, operating deposit growth, new relationship acquisition, business credit card production, merchant services, and treasury management referrals.
* Serve as a trusted advisor to business owners across diverse industries including construction, manufacturing, healthcare, retail, hospitality, and professional services and other small to mid size businesses.
* Ensure compliance with all regulatory requirements, KYC/CIP standards, customer due diligence procedures, and bank risk management policies.
* Collaborate with branch partners and business banking partners for business banking opportunities and deliver an exceptional client experience.
* Build long-term relationships by providing strategic financial guidance that helps clients improve business performance, achieve growth objectives, and strengthen financial stability.

• Built monthly business leads generated through networking events and through my CIO's network to expand the small business pipeline.
• Represented the bank at community events, strengthening local visibility and building trust with prospective business clients.
• Delivered customized lending solutions aligned with short- and long-term financing needs for small business clients.
• Originated equipment financing, and business credit solutions supporting business growth and expansion initiatives.
• Ranked among top performers in business banking production through consultative sales strategies and relationship management excellence.
• Successfully onboarded new business clients resulting in significant growth in deposits, treasury services, digital adoption, and payment solutions.

• Managed daily branch operations to support efficiency, service quality, and smooth customer transactions.
• Built new business through networking, outreach, and cold calling to expand the client base and portfolio.
• Structured secured and unsecured loans while applying credit and risk review to support sound lending decisions.
• Maintained compliance with bank policies and regulations during financial transactions and branch audits.
• Collaborated with branch teams to coach colleagues, share product updates, and support monthly sales goals.

• Resolved complex customer issues to strengthen trust and reinforce long-term client loyalty.
• Educated clients on business loans, lines of credit, mortgages, home equity loans, and personal debt solutions.
• Supported ACH payments and online banking enrollment for business and consumer clients.
• Prospected new customers, expanded referral networks, and followed up on leads to grow the branch pipeline.
• Collaborated with branch partners to meet sales goals, strengthen performance, and identify cross-selling opportunities.