1. RESUME
DENISE F GARCIA
Denise F Garcia
2418 Fairfield Bend
San Antonio, Texas 78231
(210) 408-8323
Kamkar23@sbcglobal.net

2. OBJECTIVE
Seeking a position with a vibrant company utilizing my years of experience in the
financial industry.
PERSONAL STRENGHTS, SKILLS & QUALIFICTIONS
 Exceptional planning, organizing, and problem solving skills.
 Excellent communication skills to include public speaking.
 Develop marketing strategies to promote a full range of products and
services.
 A quick learner with the ability to execute and adapt to new challenges.
 Strong interpersonal and analytical skills.
 Extensive familiarity in outside sales calling.
 Successfully met and exceeded monthly/annual departmental sales goals.
 Understanding of financial/banking environment; regulations and lending
guidelines.
PROFESSIONAL EXPERIENCE
Recruited to start Capital One Bank in San Antonio September 2006
CAPITAL ONE BANK, SAN ANTONIO
January 2012 – present - Small Business Banker – San Antonio Market
Summary:
As a Small Business Banker, I am responsible for building and growing relationships with
businesses in the Preferred Small Business Customer segment within an assigned Trade Area.
The roles main responsibility is to develop new deposit, treasury, merchant services and credit
relationships for the Bank. It also includes growing and cross-selling a client portfolio within the
Preferred customer segment. My position is the key advisor for the customer segment client. The
Small Business Banker proactively sources NEW preferred segment small business customers,
utilizing the tools and resources provided to them in an effort to acquire Primary Bank
Relationships.
Responsibilities:
• Develop and maintain the company's relationships with contacts/customers to grow and cross
sell new business.
• Maintain a regular calling program on customers and prospects in the Preferred Customer
Segment in order to generate high quality new deposit, loans, TM, MS and Credit Card business
in order to achieve or exceed specific production goals.
• Meet with existing customers and prospects in the Preferred Customer segment through
personal calling efforts and other contacts to discuss business needs and recommend ways in
which the bank can help provide business solutions and financial needs.

3. • Assist in planning existing customer deposit growth and cross sales.
• Responsible for expanding my prospect and COI base by consistently networking in the
community.
• Responsible for the sale and administration of all Small Business banking services to include
deposits, loans, MS, TM etc. to Preferred Segment businesses within the assigned trade area.
• Maintain up-to-date knowledge of the competitions products and pricing in the market served.
• Communicate the lending decisions to customers.
• Serve as a representative in various civic and community functions to further enhance its image
and develop additional business.
September 2006- December 2012- Capital One Bank
VP Branch Manager II
Park North San Antonio Banking Center
803 NW Loop 410
San Antonio, Texas 78216
 Meet or exceed goals by developing new relationships through outside sales activities
 Community involvement in the market place.
 Deepen existing relationships and delivering exceptional customer service.
 Develop and maintain profitable partnerships with other lines of business.
 Develop an efficient sales team through consistent coaching and behaviors.
 Achieve the branch financial goals
 Manage the sales and service process
 Implement the region’s human resource strategy
 Hired, retained and developed qualified individuals provided necessary counseling,
performance appraisals progressive disciplinary reports appropriately.
February 2001- August 2006
COMPASS BANK, SAN ANTONIO
Assistant Vice President
Banking Center Manger III
 Responsible for all banking center operations and management of staff.
 Responsible for meeting established goals in various products and services.
 Conducted On sites at local businesses and organizations to offer partnership banking to
all employees.
 Licensed Investment Specialist- Life and Health Insurance License, Primarily fixed
annuity sales and life insurance products.
 Conducted outside sales; cold calling to local businesses to solicit bank products
 Hired, retained and developed qualified individuals provided necessary counseling,
performance appraisals progressive disciplinary reports appropriately.

4. 1990-2001 SECURITY SERVICE FEDERAL CREDIT UNION, SAN ANTONIO
Service Center Manager
 Responsible for overall operations of service center, including cash operations, member
service, and facility maintenance. Actively promote the marketing of the member product
and services.
 Responsible for meeting established goals for the service center, evaluated each
employees monthly performance on assigned goals
 Developed marketing and sales plans including quantitative sales goals for management
approval and implementation
 Ensured that service delivery was accurate, professional and courteous
 Hired, retained and developed qualified individuals provided necessary counseling,
performance appraisals progressive disciplinary reports appropriately.
 Developed and prepared management reports adequate to evaluate departmental
performance. Prepared service center budget for fiscal year, and ensure all expenditures
were within approved
Other positions held while employed at Security Service Federal Credit Union
 Assistant Manager of the North Star Mall Service Center 1994
 Cash Manager of the Central Branch Office 1994
 Sales Representative North Star Mall Service Center 1993-1994
 Senior Teller 1990-1992
1985-1990 FOLEYS DEPARTMENT STORE
Sales/Cosmetics Specialist
EDUCATION
UNIVERSITY OF TEXAS SAN ANTONIO
Bachelor of Arts Degree in Sociology, 1993
TEXAS DEPARTMENT OF INSURANCE
2001-2011
General Lines Agent
Life & Health Insurance License
OMEGA CREDIT CERTIFCATION

5. MEMBERSHIP
Hispanic Chamber of Commerce
Greater San Antonio Chamber of Commerce
BNI- Business Network International 2007-2009
Randolph Metro Chamber of Commerce Board Member 2007- 2009
Finance Committee Chair 2007- 2009
Women’s Chamber of Commerce 2007-2011
Executive Board Member/Vice Chair of Membership 2009-2010
American Heart Association 2007-2009
Board of Director 2009
Lo Bello de San Antonio Women’s Club 2008-2015
Treasurer 2011-2012
Dress for Success Board Member 2013-2014
North Chamber of Commerce- Class of 2015 Leadership Lab participant
RMA- Women in Finance board member 2015
VOLENTEERISM
CRA volunteerism - Capital One Bank
LIFTFUND- Presenter of “Access to Capital” sessions
SBA- Presenter for Gaining Capital Seminars conducted by the Small Business Administration
local office
Holy Spirit Parent Teacher Committee- present
Incarnate Word High School Parent Teacher Committee- present