Experience

United Bank

• United States
• Banking
• 200 - 300 Employee

• Business Banking Manager

  • Apr 2017 - Present



Cardinal Bank

• Banking
• 1 - 100 Employee

• Business Banking and Retail Lending Manager-Senior Vice President

  • Mar 2003 - Apr 2017

  • Formulate and manage short/long term strategic goals and guide the business banking and retail lending activities for a $4+ Billion financial services company. • Provide leadership and guidance to the management of lending departments which include: Consumer Loan Products, Residential Mortgage Portfolio, Business and Consumer Credit cards, Owner Occupied Commercial real estate, C&I Lending, Collections, Quality Control and Risk Management. • Actively participate in preparation of the annual capital and operating budgets. Prepare and administer budgets for departmental direct expenses. • Research, develop, implement, and administer lending policies, procedures and practices. • Responsible for ensuring and achieving maximum profitability in delivering lending products and services to clients while providing exceptional client services. • Perform process improvement, ensure regulatory compliance, and participate in asset/liability management. • Manage more than $600+ million in business and consumer lending portfolio assets for a 30 branch community bank. • Management of services that include underwriting, loan documentation, SBA origination; application and delivery support; access to loan participations; loan servicing; and portfolio management from accounting, payment processing and annual reviews, collections and liquidations. Show less



Farmers and Mechanics National Bank (Presently PNC)

• Frederick, Maryland

• Business Banking Division Head

  • 1996 - 2003

  • Setting and managing the strategic direction and growth of the business banking lending activities for a $500+ million Community Bank that grew to $2 Billion before acquisition by PNC. • Provide leadership and guidance in the management of the business lending departments which included: Owner Occupied CRE, Auto (direct/indirect lending), Dealership Floor plan financing, Commercial Lease purchases and portfolio management, Commercial credit cards, C&I lending, participations, SBA lending, Collections, Quality Control and Risk Management. • Lead the preparation, strategic planning, and review of annual lending plans to accomplish income goals. • Established SBA lending program attaining “Preferred Lender” status. • Recognized as top 10 SBA loan originators within the Baltimore District SBA lending region. • Conduct profitability and credit risk analysis across all loan delivery channels, develop new programs, perform process improvement, ensure regulatory compliance, and participate in asset/liability management. • Acquisition team member with responsibilities including transition of C&I/Commercial portfolio from acquired savings institution, training and development of lending officers and underwriters and integration of 8 branch network. Show less



The Bank of New York Mellon

• Scarsdale, NY

• Team Leader-Community Lending-Vice President

  • 1990 - 1996

  • Managed a nine person lending team responsible for active business development, client retention and expansion across 22 branch network located in Southern Westchester County, NY to annually exceed sales goals. • Assimilated a purchased loan portfolio following bank acquisition purchase consisting of over 465 commercial client relationships. • Managed a nine person lending team responsible for active business development, client retention and expansion across 22 branch network located in Southern Westchester County, NY to annually exceed sales goals. • Assimilated a purchased loan portfolio following bank acquisition purchase consisting of over 465 commercial client relationships.



Citi

• United States
• Financial Services
• 700 & Above Employee

• Relationship Manager-Commercial Banking Department

  • 1987 - 1990

  • Managed a middle market lending portfolio in Northern Westchester County. • Solicited new accounts with revenues ranging from $2MM-$50MM. Structured, approved and booked loans ranging from $250m-$25MM to meet or exceed business development and cross selling goals. • Managed a middle market lending portfolio in Northern Westchester County. • Solicited new accounts with revenues ranging from $2MM-$50MM. Structured, approved and booked loans ranging from $250m-$25MM to meet or exceed business development and cross selling goals.



Chemical Bank (Presently JP Morgan Chase)

• New York City

• Account Officer-Select Banking/Business District

  • 1982 - 1987

  • Maintained, developed and expanded small/midsize commercial loan portfolio with over 145 commercial relationships fulfilling needs consisting of International Trade finance, C&I lending and Cash Management. • Developed and maintained private banking relationships for senior corporate executives, commodity brokers and commodity brokerage firms. • Graduated extensive one year commercial credit training program with honors. • Maintained, developed and expanded small/midsize commercial loan portfolio with over 145 commercial relationships fulfilling needs consisting of International Trade finance, C&I lending and Cash Management. • Developed and maintained private banking relationships for senior corporate executives, commodity brokers and commodity brokerage firms. • Graduated extensive one year commercial credit training program with honors.