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Donald Cioban profile image

Donald Cioban

Sr. Vice President, Commercial Lender at Trustmark National Bank
Intro Book
Seasoned banking executive with over 30 years of experience in commercial lending and leadership.
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Location
Montgomery, Alabama, United States, US
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Bio

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Donald Cioban is a seasoned banking executive with over 30 years of experience in commercial lending, real estate finance, and leadership roles. He has held various positions, including Senior Vice President, Executive Vice President, and President and CEO, at prominent banks such as Trustmark National Bank, Amerifirst, Capital Bank, Farmers National Bank, Compass Bank, RTC/FDIC, BEI, and INTERFIRST BANK. He has a Bachelor of Business Administration (BBA) degree from Georgia Southern University and has served on the Alabama Real Estate Appraisal Board. Cioban has a strong track record of driving business growth, managing teams, and providing strategic leadership.

Experience

  • Trustmark National Bank
    • Montgomery, AL 36117
    • Sr. Vice President, Commercial Lender
      • Dec 2012 - Present
      • Montgomery, AL 36117

  • Amerifirst
    • Senior Vice President, Senior Lender and Chief Credit Officer
      • Jun 2003 - Dec 2011

      Originate and underwrite commercial and real estate loans. Promoted to Executive Vice President, Senior Lender and Chief Credit Officer in September 2005.Manage eight loan officers in three locations. Approve all loans over individual credit limits.Voting member of Senior Loan Committee.Attend Board of Directors meetings.

  • Capital Bank
    • President and CEO, Director
      • Jan 2000 - Jan 2003

      Recruited eight directors, sold stock in two separate offerings, hired staff, and secured bank location.Completed first year of operation ahead of budget.Grew assets to $25 million in 16 months.

  • Farmers National Bank
    • City President
      • Jan 1999 - Jan 2000

      Directed business development, all lending and overall operations.Managed three commercial loan officers and Vice President of mortgage lending.Administered all bank real estate lending.

  • ALABAMA REAL ESTATE APPRAISAL BOARD
    • Member
      • Jan 1996 - Jan 1999

      Appointed by Governor and confirmed by Senate.Only banker to serve on Board.

  • Compass Bank
    • Vice President and Manager
      • Jan 1994 - Jan 1999

      Directed real estate lending activities, member of Management Committee, assisted P.A. Department in structuring and approving loans.Increased loan production 100% while maintaining excellent loan quality.Implemented policies and procedures to ensure proper lending administration.Produced the highest loan volume each year in the Montgomery Corporate Division.

  • RTC/FDIC
    • Managing Agent
      • Jan 1989 - Jan 1994

      Served as the CEO of institutions placed into conservatorship. Directed actions of the President and Chief Operating Officer. Worked with senior management to retain core deposits, sell assets and improve operations.Concurrently served as the CEO of $596 million and $50 million institutions; Served as CEO of $350 million institution in Norfolk.Negotiated numerous settlements including $10 million commercial loan and $4 million construction loan in Florida. Sold major REO properties in Virginia, Texas and Wyoming.

  • BEI
    • Senior Vice President
      • Jan 1983 - Jan 1989

      Managed consulting projects for financial institutions from $25 million to $25 billion in size. Evaluated organizational structure, reviewed policies and procedures, evaluated management, recommended and implemented changes.Managed lending function of $350 million California thrift institution.Reviewed loan and development proposals of $2 billion Texas institution and recommended corrective actions to regulators.Corrected loan-servicing problems for $2 billion Ohio thrift that enabled retention of $500 million of GNMA servicing.Reorganized multi-state mortgage banking operation for $1.5 billion Michigan institution.

  • INTERFIRST BANK
    • Vice President and Manager
      • Jan 1982 - Jan 1983

      Responsible for all real estate lending activity, business development and underwriting.Member, Credit Policy Committee and Management Team.Instituted turnaround and restructure of apartment loan involving five lenders with no loss of principal or interest, and producing an 11% tax-free yield.Renegotiated commitment for office park resulting in elimination of loopholes and the creation of better controls.

  • Compass Bank
    • Vice President
      • Jan 1978 - Jan 1982

      Manager of Real Estate Department and voting member of Loan Committee. Responsible for business development, loan approval and construction inspections.Increased loan volume from $3.5 million to over $30 million.Generated regional loans including $17 million shopping mall, $7 million apartment loan, and $6 million shopping center.Administered $10 million mortgage warehouse line of credit.

  • First Texas Bank
    • Assistant Vice President
      • Jan 1976 - Jan 1978

  • GREAT SOUTHERN FEDERAL
    • Assistant Vice President
      • Jan 1974 - Jan 1976

Education

  • Georgia Southern University
    Bachelor of Business Administration (BBA), Business/Commerce, General

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Industry Focus. “Banking”

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