Julie Hoad is a seasoned banking professional with expertise in commercial lending, credit, and portfolio management. As a Relationship Manager at Charter One Bank (Citizens), she has successfully fostered strong relationships with clients, driving business growth and revenue expansion. With a strong background in underwriting, small business lending, and retail banking, Julie excels in navigating complex financial landscapes. Throughout her career, Julie has developed a keen eye for credit analysis, allowing her to identify opportunities and mitigate risks. Her experience in commercial banking and consumer lending has equipped her with a deep understanding of the financial needs of diverse clients. With a strong foundation in banking and lending, Julie is well-positioned to drive business success in a dynamic financial environment. With a strong educational background and industry certifications, Julie brings a unique blend of expertise and knowledge to the table. Her expertise in commercial lending, credit, and portfolio management makes her a valuable asset to any organization seeking to expand its financial capabilities.