Experience

Five County Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Relationship Manager, AVP

  • Apr 2021 - Present

  Maine



Bar Harbor Bank & Trust

• United States
• Banking
• 200 - 300 Employee

• VP, Community Banking Relationship Manager

  • Mar 2018 - Apr 2021

  Central Maine Responsible for expanding existing customer relationships, and developing new business relationships with small business customers. Worked closely with branch relationship managers to identify appropriate financing and/or deposit solutions, effectively managed the commercial loan process from origination through booking, and actively manage the client relationship.



Five County Credit Union

• United States
• Financial Services
• 1 - 100 Employee

• Branch Manager II, Consumer & Commercial Lender

  • Jul 2014 - Feb 2018

  Lewiston/Auburn Daily managed operations of multiple locations and call center. Managed teams to ensure service standards, business portfolio development, profitability, strategic management and operational growth objectives. Increased growth for commercial clients by identifying, contacting, cultivating, and maintaining business relationships. Managed corporate strategic planning, marketing and new product development. Managed full cycle recruiting along with learning development and employee engagement… Show more Daily managed operations of multiple locations and call center. Managed teams to ensure service standards, business portfolio development, profitability, strategic management and operational growth objectives. Increased growth for commercial clients by identifying, contacting, cultivating, and maintaining business relationships. Managed corporate strategic planning, marketing and new product development. Managed full cycle recruiting along with learning development and employee engagement. • Exceeded annual revenue growth by more than 10% • Portfolio growth exceeded expectations and grew at 130% of goal • Developed and implemented plan to incorporate multiple teams and locations under one umbrella • Managed commercial lending efforts for 15 locations and mentored managers to increase business development • Grew business portfolio by over 20% for 10 consecutive years • Maintained a network of over 50 business partners in the auto, real estate and retail industries to ensure financing opportunities • Developed acquired underperforming location to profitability in less than two years

• Branch Manager

  • Oct 2006 - Jul 2014

  Auburn, ME Directed all operational aspects including distribution, customer service, human resources, administration, sales, lending, and business development in a retail environment. Provided training, coaching, development and motivation for personnel. Developed forecasts, financial operations and business plans. Devised and implemented plans to achieve insurance sales, merchant services and commercial lending goals. • Opened location and exceeded expected profitability goal by three years •… Show more Directed all operational aspects including distribution, customer service, human resources, administration, sales, lending, and business development in a retail environment. Provided training, coaching, development and motivation for personnel. Developed forecasts, financial operations and business plans. Devised and implemented plans to achieve insurance sales, merchant services and commercial lending goals. • Opened location and exceeded expected profitability goal by three years • Expanded sales role to additional market areas • Developed staff for other locations • Managed marketing media for six locations • Continually increased and maintained business portfolio through cold calling and effective relationship management.



Bank of America

• United States
• Banking
• 700 & Above Employee

• Senior Retention Analyst

  • Oct 2004 - Oct 2006

  Belfast, ME Senior Retention Analyst (October 2004 – October 2006) Increased revenue by analyzing credit reports and financial statements to determine appropriate rates to prevent balance pay off and optimize interest income. Performed customer phone interviews to determine selling points needed to maximize customer relationships. Negotiated rates, increased credit lines, performed line risk reductions, customized promotional offers, sold complimentary products. Overcame customer objections to… Show more Senior Retention Analyst (October 2004 – October 2006) Increased revenue by analyzing credit reports and financial statements to determine appropriate rates to prevent balance pay off and optimize interest income. Performed customer phone interviews to determine selling points needed to maximize customer relationships. Negotiated rates, increased credit lines, performed line risk reductions, customized promotional offers, sold complimentary products. Overcame customer objections to negative circumstances to maintain business relationships and profitability. • Regularly exceeded sales goals • Maintained efficiency standards • Promoted to senior analyst • Completed manager training program (STEPS) • Analyst mentor • Ensured compliance controls • Achieved incentive 19 consecutive months Show less



MBNA

• United Kingdom
• Financial Services
• 200 - 300 Employee

• Credit Analyst

  • Oct 2002 - Oct 2004

  Belfast, ME Assessed creditworthiness of existing and prospective customers. Examined credit history, financial statements, ratios, trend and cash flow analyses to make appropriate credit decision. Mitigated risk by reducing credit lines when necessary. Performed fraud prevention measures and compliance protocols. Adhered to credit policy and guidelines. Maintained portfolio delinquency levels. Cross sold additional account benefits, balance transfers and ancillary products. Performed phone… Show more Assessed creditworthiness of existing and prospective customers. Examined credit history, financial statements, ratios, trend and cash flow analyses to make appropriate credit decision. Mitigated risk by reducing credit lines when necessary. Performed fraud prevention measures and compliance protocols. Adhered to credit policy and guidelines. Maintained portfolio delinquency levels. Cross sold additional account benefits, balance transfers and ancillary products. Performed phone interviews with applicants to acquire accurate credit information and maximize selling opportunities. • Regularly passed credit review audits • Exceeded balance transfer goals • Promoted to instant issue retail cards • Maintained efficiency standards • Ensured compliance was maintained

• Financial Management Specialist

  • Oct 2001 - Oct 2002

  Belfast, ME Reduced corporate loan losses by implementing debt reduction programs with customers experiencing financial difficulty. Completed financial budget counseling sessions. Implemented reduced payment programs by mediating agreements between credit counseling agencies and customers. Utilized credit reporting and income information to ensure viable payment program for customer. • 75% counseling sessions performed compared to goal of 60% • 4.62% after call work against goal of 10% • 3.5… Show more Reduced corporate loan losses by implementing debt reduction programs with customers experiencing financial difficulty. Completed financial budget counseling sessions. Implemented reduced payment programs by mediating agreements between credit counseling agencies and customers. Utilized credit reporting and income information to ensure viable payment program for customer. • 75% counseling sessions performed compared to goal of 60% • 4.62% after call work against goal of 10% • 3.5 calls per hour with goal of 2.5 calls per hour • Peer mentor • Achieved long term top performer status • Corporate All Star

• Collections Account Manager

  • Sep 2000 - Oct 2001

  Belfast, ME Reduced corporate loan losses by contacting customers to resolve delinquent accounts. Discussed customer’s financial situation, retrieved credit and asset information to determine severity of customer’s financial situation. Resolved delinquency by ACH payment collections, implemented payment programs and negotiated settlements. • Performed in inward and outward call center • Exceeded portfolio goals • Followed compliance protocols • Cross sold alternative products to resolve… Show more Reduced corporate loan losses by contacting customers to resolve delinquent accounts. Discussed customer’s financial situation, retrieved credit and asset information to determine severity of customer’s financial situation. Resolved delinquency by ACH payment collections, implemented payment programs and negotiated settlements. • Performed in inward and outward call center • Exceeded portfolio goals • Followed compliance protocols • Cross sold alternative products to resolve account delinquency • Peer mentor