Experience

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  Bank of Oak Ridge

  • Greensboro, NC

  • Business Relationship Manager - Senior Vice President

    • 2009 - 2013
    • Greensboro, NC

    Reviewed new commercial loan request, renewals and modifications for 5 lenders with recommendations to the Chief Credit Officer on loans over $750M. Led initiatives on Problem Loan Relationships for loan committee and management team to mitigate potential loan losses on a loan portfolio of $253MM. Managed the Small Business Administration (SBA) and USDA programs. • Worked with special assets and trouble debt in restructuring loans and with lenders on major past due accounts.• Assisted credit managers with non-performing assets and made recommendations for foreclosure proceedings, and short sales.• Reviewed commercial and residential appraisals and managed accounts receivable program known as Business Manager through Jack Henry-ProfitStars division.• Prepared reports for loan committee meetings in discussions of credits.

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  Community Bank of Rowan

  • Reidsville/Grahan, NC

  • Vice President

    • 2007 - 2008
    • Reidsville/Grahan, NC

    Provided knowledge of participations with FCSB and PCB along with familiarity of credit culture of both banks. Develop a commercial loan portfolio from surrounding market area including Graham, Burlington, Mebane and Hillsborough markets. • Accountable for underwriting and analyzing all credits and presenting for approval for all loan size.• Maintained current financial information and perform annual review of client’s financial information.• Managed problem and past due loans.

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  First National Bank

  • Graham, NC

  • Vice President

    • 2002 - 2007
    • Graham, NC

    Develop new banking relationships with underwriting and analyzed loans with loan approval of $300M. Managed commercial portfolio of $35MM. Managed problem and past due loans and worked with banks Chief Credit Officer and examiners in annual reviews of credits for safety and soundness of portfolio. • Successfully developed commercial loan production of $10.0M to $12.0M annually.• Performed credit analysis and underwriting of new commercial loan requests. Worked with Business Banking Group (BDO’s) to cross-sell new customers and develop new deposit relationships. • Performed annual reviews of existing commercial loans upon receipt of annually submitted financial information. • Kept abreast of regulatory and competitive developments within the area of commercial lending. • Maintained an active pipeline of prospective clients.

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  Fidelity Bank

  • Mebane

  • Business Development Officer - Vice President

    • 1999 - 2002
    • Mebane

    Managing a staff of six associates, led initiatives of a new start-up office with development of new relationships in both loan and deposit areas. Accountable for underwriting and analyzing all loans and presenting for approvals on loans above authority of $300M. Worked with internal and bank examiners in annual credit reviews. • Built new office to $7M in loans and $5M in deposits within first 2.5 years.

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  Central Carolina Bank

  • Burlington, Roxboro, Graham

  • Vice President

    • 1982 - 1999
    • Burlington, Roxboro, Graham

    Managed a staff of eight with a managed portfolio of $50mm. Developed total banking relationships with small to mid-size businesses. Directed the underwriting of all commercial loan requests and updating financial information.• Within first 18 months in Burlington, increased revenue by 40%, turning branch operating loss into profitable business operations. Increased revenues to $200M within a 6 year period.• Built office deposits and loans in excess of $25MM during a 14 year period.

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  Wachovia Bank

  • Asheboro, NC

  • Collections Specialist

    • 1978 - 1982
    • Asheboro, NC

    Sales Finance Department/Collections