Experience

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  Citizens Bank

  • Portsmouth NH

  • Vp Commercial Lending Relationship manager

    • Apr 2019 - Present
    • Portsmouth NH

    Manage Business Banking relationships

• 

  Lake Sunapee Bank

  • United States
  • Banking
  • 1 - 100 Employee

  • Vice President Commercial Lending

    • Feb 2015 - Apr 2019

    Recruited to cultivate business banking relationships with qualified prospects provided by staff at six branch locations. Conduct in-depth analysis of credit, cash flow, assets, and business plans to recommend solid loan applicants. Provide ongoing assistance to those businesses granted loans. Completed intensive RMA Financial Credit Analysis course. • Exceeded sales goals by 66% in 2013; top loan producer in region.• Grew loan portfolio from start up to $18 million from 2010 through Q1 2014.• Recognized by management for presenting solid loan applications; approximately 90% of loans submitted are approved.

  • Vice President - Commercial Lending

    • Feb 2015 - Apr 2019

• 

  Citizens Bank

  • White River Junction, VT

  • Vice President Business Banking

    • 2005 - 2010
    • White River Junction, VT

    Promoted from Assistant Vice President and Business Banking Officer because of demonstrated success marketing business banking products to small businesses (sales of $100,000 to $10 million), covering a total of 23 branches in 3 states. Spearheaded the development and delivery of a training program for branch personnel to gain qualified business customer prospects through effective questions, needs analysis, and relationship building. • More than doubled weekly appointment requirements, booking 40-45 against goal of 20.• Only BBO within NH/VT team of 25 to successfully complete Moody’s Commercial Credit Analysis & Lending Program.

• 

  Windmill Copy Center

  • Woodstock, VT

  • Owner

    • 1990 - 2007
    • Woodstock, VT

    Copy and print shop serving small businesses by providing a full range of print communications including graphic design and collateral production. Managed a staff of 3 plus independent contractors. Gained first-hand knowledge of the challenges small business owners face.• Revamped all business and management systems resulting in sales increasing from $75k to $495k in the first six years.

• 

  Proctor Bank

  • Vice President, Sales & Investments

    • 1989 - 1990

    Initiated and marketed a Qualified Retirement Plan program, a new product for the Trust Department. Designed and implemented a sales lead referral program which generated 155 new trust business leads in the first month.

  • Vice President, Senior Investment Officer

    • 1986 - 1989

    Developed and put into place trading system and portfolio management methods. Sold approximately $15 million in current asset business during first 22 months.