Remarkably astute, competent, and tenacious executive equipped with more than 12 years of Commercial & Retail Banking, Portfolio Management, Sales, Credit Analysis and Strategic Business Development experience. Possess stellar reputation in implementing effective strategies and plans for mitigation of multi-million dollar relationships, to optimize operational efficiency, and improve performance. Accustomed to working and establishing win-win relationships with high net worth and executive level individuals to provide innovative business solutions and ensure the utmost satisfaction. Has a proven effectiveness to multitask in a fast-paced and fiercely competitive commercial banking environment.
Senior Relationship Manager
February 2010 to Present
Effectively acquires, manages and grows profitable account relationships with an extensive percentage of moderately complex and medium sized business customers that have annual gross sales of generally more than $2MM and less than $20MM.
Ensures the overall success & growth of an assigned portfolio by deepening relationships of existing customers and through the acquisition of new customers. Proactively partners with existing customers in order to fully understand their businesses, goals, strategies and challenges. Accurately assesses their financial needs for the purpose of formulating a business plan and delivering an effective variety of financial products and services in order to help the customer succeed financially. Performs effective financial analysis and underwriting in the areas of credit, cash flow and collateral.
Effectively partners with other Bankers and lines of business to deliver the full complement of Wells products and services. May structure and complete straight forward secured and unsecured business loans. May provide guidance to Business Relationship Managers.
Assistant Vice President / Commercial Banking
June 2005 to September 2009
Achievements as a top producer - increasing revenue, portfolio size and profits through expertise in business development, relationship building, credit analysis & exceptional service follow up. Strategic planning, sales and marketing experience combined with qualifications in staff development, coaching and management to drive and deliver performance results. Designated team leader for the northern region to negotiate and structure problem loan workouts. A leader in portfolio growth and retention from 2006-2008.
◆ Management of a $35 million dollar portfolio.
◆ Provided innovative loan structuring to support all business related needs to finance capital improvement projects, real estate and equipment purchase.
◆ Commended by the EVP of the bank for successfully creating a set of Commercial banking procedures and controls within time constraints.
Assistant Vice President - Lending Officer
January 1999 to June 2005
Responsible for new business development, cross selling of all bank products including cash management tools and investment products. Also responsible for all phases of underwriting loans including real estate analysis, cash flow models, profitability models and credit underwriting. Reviewed, grew and maintained portfolio, including approving draw requests, covenant compliance and quarterly updates.
◆Achieved loan growth of 150% beyond budget for 3 years in a row
◆Managed a $20 million dollar self generated portfolio of loans.
◆Initiated the development of a sales culture based on a commercial calling program
◆Achieved 25 million in loans with .10 % in losses by creating a Home Equity product
Bachelor of Science in Accounting
Proficient in Microsoft environments, Office, Word, Excel, PowerPoint, Navigator, Outlook, Novell, Loan Prospector, Blast and Easy Lender.