Francisco González

My position began as Manager of the SME (Small Business Enterprises) segment in charge of implementing in Costa Rica, El Salvador and Panamá with the development of the SME portfolio in which I managed to carry out different tasks until it was consolidated and became one of the most profitable in the organization.

I attach some responsibilities that I carried out during these years.

· Successfully implement the launch of the SME segment for Costa Rica (sales, processes, policies, training, hiring of personnel, customer service and advice)

· Consolidation and growth of the sales team and clients as well as the product portfolio, reaching more than double digit percentages in 2023.

· Efficient fulfillment of the tasks assigned with Central America assignment (Costa Rica, El Salvador, Panama) of the SME segment management with more than 60 sales executives and Branch Managers.

· Training of relationship executives, branch manager, support departments such as Risk and Operations in Central America.

· Implementation of marketing proposals, development of new products, events with clients and participation in specialized fairs such as Medical congresses and Expomóvil for more than 10 years.

· Teamwork to facilitate the achievement of objectives using various coaching, training and group activities tools.

· Focused on problem resolution and attention to incidents with both external and internal clients.

• Identified partnership opportunities and established favorable business connections.
• Maintained confidentiality of bank records and client information to prevent mishandling of data and potential breaches.
• Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
• Examined customer loan applications for loan approvals and denials.
• Assessed employee performance and developed improvement plans.
• Reviewed and edited loan agreements to enhance clarity and monitor compliance with requirements.
• Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
• Maintained friendly and professional customer interactions.
• Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
• Implemented service improvements to enhance sales cycle.

• Advice to the client for carrying out write-offs, refinancing and payment plans with lower interest
• Renegotiation of payment conditions with the client and control of portfolio
• Recovery of the assigned portfolio, using the tools and following the company's procedures
• Analysis of the information in each file through detailed studies to recover debts
• Customer service and attention.

• Heredia, Heredia
• Resolution of problems and attention to incidents
• Telephone support and management of the company's email
• Customer service and attention
• Task and deadline management
• Documentation and file management
• Preparation and sending of correspondence and emails.