Accomplished sales and banking professional with 25+ years' experience in commercial sales, commercial lending, risk management, and relationship management
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An accomplished sales and banking professional with more than 25+ years' experience in commercial sales, commercial lending, risk management, credit risk, underwriting, retail sales and banking, relationship management, and new business development. Formally credit trained, highly skilled at analyzing complex requests and making critical decisions. A result-focused leader with a demonstrated ability to direct and motivate teams through coaching, training and by personal example to exceed lending, fee income, and deposition acquisition goals.
Proficient in consultative sales techniques, promoting product offerings to meet client lending and various banking products and services. Highly skilled in prospecting, networking, and fostering professional relationships to develop new business opportunities. Expert in banking multiple industries including but not limited to construction, warehouse and logistics, auto dealerships, commercial real estate (including affordable housing), non-profits, etc.
An effective communicator with the ability to express complex ideas, deliver insightful and compelling presentations, educate customers, and promote sales. Adheres to the highest levels of ethical standards.
Relationship Manager, Vice President at The Harbor Bank of Maryland Bank (Present)
Senior Banker providing commercial lending and relationship-management strategy for a diverse portfolio of business clients. Delivered credit solutions aligned with risk appetite and growth objectives. Strengthened the bank's presence through community engagement, targeted outreach, and strategic partnerships.
Relationship Manager, Vice President at Fulton Bank Lancaster, Pa (2022-06 – 2023-07)
Client focused on building relationships based upon trust and integrity resulting in customer loyalty, satisfaction, and retention. Analyzed client credit data and employed sound judgment to mitigate risk, assigning proper risk rating when underwriting loans thereby maintaining the quality and integrity of assets. Conceived and executed sales and business development strategies identifying opportunities to expand market share and enhance revenue growth.
Leveraged networking skills and community relationships to acquire referrals, expanding the bank's portfolio of accounts. Shared expertise to coach and educate business partners in service, relationship management, and the bank's credit policy.
Commercial Loans Sales Officer, Senior Vice President at Valley National Bank (2014-01 – 2021-10)
Managed the growth for an assigned portfolio of small business and middle market commercial loans. Fostered enduring relationships with clients to promote portfolio growth and expand the bank's customer base. Subject matter expert employing expertise to offer tailored solutions to meet customer business needs and to remediate complex issues.
Collaborated with internal business partners to evaluate sales data and the effectiveness of bank initiatives versus key performance metrics. Engaged with the local community, soliciting feedback, assessing outreach programs, and facilitating education. Strategic business partner for senior management providing recommendations and reporting.
Senior Relationship Manager, Vice President at Valley National Bank (2004-01 – 2013-12)
Conceived and executed sales and business development strategies identifying opportunities to expand market share and enhance revenue growth. Leveraged networking skills and community relationships to acquire referrals, expanding the bank's portfolio of accounts. Analyzed client credit data and employed sound judgment to mitigate risk when underwriting loans thereby maintaining the quality and integrity of assets.
Client focused on building relationships based upon trust and integrity resulting in customer loyalty, satisfaction, and retention. Shared expertise to coach and educate business partners in service, relationship management, and the bank's credit policy.
Credit Underwriter at Valley National Bank (2002-07 – 2003-12)
Management Associate at Valley National Bank (2001-06 – 2002-07)
Branch Teller – Part Time at Valley National Bank (2001-01 – 2001-05)
Bachelor of Arts in Entrepreneurial Studies and Accounting – Muhlenberg College
