Results-focused Executive Leader eager to offer 20 years of experience in driving business growth,

building solid teams, creating strategic initiatives, providing world-class customer service,

and cultivating a strong brand image toward maximizing an employer s bottom-line.

 

 

         Integral leader who excels at analyzing consumer finance markets, identifying lucrative sales opportunities, defining strategies for capturing new business and developing existing clientele, and attaining leveraging in competitive territories.

         Top performer who analyzes and interprets statistical data to optimize profits in coordination with key objectives, including accurately monitoring branch revenue and generating reports, as well as streamlining and improving processes.

         Out-of-the-box thinker who provides quality staff recruitment that encourages low turnover rates and high levels of company loyalty while promoting workforce diversity and seamless relations among all echelons of business teams.

         Excellent communicator who builds relationships with executive-level teams, industry peers, clients, and the community.

 

 

New Business Development   Strategic Analysis / Planning   Client Relationship Management   Executive-Level Business Relations

Team Building / Training    Financial Services Marketing    Revenue Growth Generation    Loan / Account Originations

Sales Management    Project Management    Regulatory Compliance    Business Communications

 

 

Senior Credit Analyst Commercial Credit

 

Utilized broad scope of financial services knowledge toward supporting commercial loan officers in the analysis of credit worthiness of the bank s commercial relationships, including monitoring application processes from submission through to loan closing, as well as analyzing borrower financial statements and cash flows and evaluating market and industry conditions.

 

• Supported portfolio expansion by identifying potential loans which qualified for SBA programs.
• Successfully underwrote loan requests via FICO scoring and targeted UCA cash flow analysis.
• Ensured continued compliance by conducting training and review of new regulations and procedures.
• Worked with the bank s Director of Small Business Lending to create a Business Development program.

 

Assistant Vice President / Business Development Officer

 

Maximized bottom-line results by working with commercial lenders and branch managers to cross-sell deposits and appropriate ancillary services within Southbury, Woodbury, Middlebury, and Waterbury territories, including evaluating balance sheets, profit & loss, and cash flow analysis and providing support to senior staff via sales reporting and financial modeling.

 

• Supervised, coached, and developed a profit-focused Business Development team.
• Selected to develop and implement an external calling program to grow core DDA / NOW deposits and loan production, as well as build relationships with new and existing customers.
• Managed a CDARS program encompassing both customer notification and daily operations oversight.
• Served as Subject Matter Expert for Remote Deposit Capture responsibilities, including researching vendors; rolling out program; and providing onsite training, client representations, and account establishment.
• Referred commercial mortgage loans to lenders and originated small business and SBA loans up to $500K.

 

 

 

Assistant Vice President / Premier Client Services Manager

 

Applied dynamic leadership talents toward managing a $9M retail portfolio, along with successfully enhancing valuable relationships among a large-scale clientele through outbound calling efforts and anticipating individual financial needs.

 

• Completed an extensive sales training program to boost personal knowledge and bank results.
• Proactively coordinated activities with an Investment Representative for referral opportunities.

 

Assistant Vice President / Community Banking Manager

 

Generated C&I, commercial real estate, and SBA loans under $500K while overseeing sales and profits of Unionville and West Farms Mall office locations, and recruiting, managing, and mentoring team members for a new branch opening in Canton.

 

• Achieved status as #1 in deposit growth and #1 in commercial loan growth for 2006.
• Ranked 3^rd in profitability and sales for Unionville branch among CT and Western MA markets in 2006.
• Noted as top-producing office in Farmington Valley market for commercial loan originations in 2004 C 2006.

 

Branch / Group Manager • Portfolio Review / Commercial Credit Analyst • Delinquent Account Specialist

 

Strategically steered multiple in-store branches and traditional branches, including performing wide-ranging responsibilities such as creating, implementing, and analyzing behavior scoring strategies based on Fair Isaac and Credit Bureau standards; monitoring adaptive control strategies to ensure ongoing portfolio quality and profits; simplifying and supplementing lending officer s functions by providing second, permanent, independent interpretation and appraisal; and directing the collection of delinquent commercial mortgage and business loan accounts and recommending appropriate courses of action.

 

• Attained Life Counsel in insurance sales.
• Recognized as #1 in mortgage originations for 3 consecutive years.
• Participated as a team member who established a MIS / Risk Analysis department.
• Successfully managed the opening of 2 new branches in Naugatuck and Watertown.
• Completed an extensive 2-year training program as a Commercial Credit Analyst in industry analysis, personal and business statements, real estate analysis, and statement spreading.

 

 

Bachelor of Arts in Business Administration                                                                Sacred Heart University

 

Microsoft Office (Word, Excel, PowerPoint, Outlook) • Internet Applications

 

 

President Board of Directors (2008 C Present)                                                Waterbury Youth Service System

Finance Council (YEAR C Present)                                                                                          St. Mary s Church

Member (2007 C Present)                                                                                     Tribury Chamber of Commerce

Board of Directors (2005 C 2006)                                                                  Farmington Chamber of Commerce

Duck Day Committee Member                                                                     Naugatuck Chamber of Commerce

Member                                                                                     Unionville Village Improvement Association

Member                                                                                                         Unionville Business Cooperative

 

 

 

 

Date

 

 

Hiring Agent Name

Title

Company Name

Address

City/State/Zip Code

 

Dear__________________:

 

I am currently seeking a challenging [ Insert Job Title ] role, and am submitting my resume for your review.

 

I am excited to build a rewarding career with your company, and am confident that my professional skills can help to achieve your objectives.  I can offer 20 years of solid experience in Multi-Branch Bank Management, New Business Development, Revenue Growth Generation, Strategic Planning / Analysis, Sales / Marketing, and Client Relationship Management, and am well-versed in all facets of Start-Up Operations, Team Building / Training, Project Management, and Regulatory Compliance.

 

To complement my background, please note that I hold a Bachelor of Arts in Business Administration from Sacred Heart University.

 

Most recently, as a Senior Credit Analyst Commercial Credit for Farmington Bank, I utilized my broad scope of financial services knowledge toward supporting commercial loan officers in the analysis of credit worthiness of the bank s commercial relationships, including monitoring application processes from submission through to loan closing, as well as analyzing borrower financial statements and cash flows and evaluating market and industry conditions.

 

Within this role, I worked with the bank s Director of Small Business Lending to create a Business Development program.  I also ensured continued branch compliance by conducting training and review of new regulations and procedures.  As this is just a sampling of my job history, please kindly refer to my enclosed resume for additional experience and career highlights.

 

You will find me to be a results-driven professional who can contribute a track record of organizing and implementing strategies to improve bottom-line performance while defining key business priorities and meeting targeted goals.  In addition, I can coordinate and manage various high-level financial and business support tasks within fast-paced, deadline-oriented environments while streamlining operational processes to increase productivity, efficiency, and quality.  For the sum of these aforementioned reasons, I believe I will prove to be an incredible asset to your company.

 

I look forward to hearing from you, and thank you in advance for your consideration.

 

Sincerely,

 

 

 

Yyyyyy x. yyyyyy