William Morales

Financial Services Leader

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Here’s a deeper look into my background in financial services, passion in FinTech for financial wellness, and industry projects.

EDUCATION

UNDERGRAD: At the University of San Francisco, I studied Finance as my undergraduate degree. Some key courses in the program were Financial Statement Analysis, Corporate Finance, and Real Estate Finance.

FINANCE: Upon graduation, I worked full-time as a Commercial Real Estate Associate at Western Peaks Financial Corp. for 3 years. I focused on reviewing multiple loan requests, drafting Letters of Intent, gathering and reviewing underwriting requirements, and presenting loan application packages for review.

MBA: I went back to USF for graduate studies in the Masters of Business Administration program, with a focus in Entrepreneurship and Management. Some key courses in the program were Advanced Leadership Seminar, Bargaining and Negotiation, and Venture Capital & Investment Banking.

WORK EXPERIENCE

FINANCIAL SERVICES - Banker: In the first semester of the MBA program at USF, I started my career in financial services as a Small Business Banker at Bank of America. I worked with an existing book of business clients towards deepening their banking relationship with new products and services. Additionally, I focused on acquiring new relationships through business development activities and outbound calling efforts. Lastly, I was an educational resource for the local community of small businesses learning about establishing credit, budgeting, and managing cash flow.

ARTICLES

“The New Customer Experience for Financial Wellness” discusses what’s most impactful today for financial services providers with customer experience, and how developing trends in this area will deliver financial wellness in the future.