Establish and develop new commercial loan business through development of industry contacts; referral follow-up; calls and visits to new and existing clients; and participation in civic and charitable functions. Service existing commercial loan accounts and expand existing relationships by calling on customers and cross-selling Colonial’s products and services. Analyze cash flows, spread financials, profile clients, negotiate loan structure, and cross-sell Colonial Bank products and services.

• A multi-phase 100 day initiative where all employees were asked to contribute ideas to: o Streamline the process o Use our talents, time and money better o Fully capture the value of services we provide our customers o Reinvest resources to fund value-added growth opportunities • Worked with a consulting firm – Harvest Earnings and a steering committee (comprised of Colonial’s most senior executives, including CAO, CFO, COO, and CEO). • Mined over 4,000 generated ideas through brainstorming, development, and implementation. • Realized a savings of $25 million in year one and $75 million overall

"Establish and develop new commercial loan business through development of industry contacts; referral follow-up; calls and visits to new and existing clients; and participation in civic and charitable functions.
Service existing commercial loan accounts and expand existing relationships by calling on customers and cross-selling Colonial’s products and services.
Analyze cash flows, spread financials, profile clients, negotiate loan structure, and cross-sell Colonial Bank products and services.
"

"Establish and develop network of business banking clients and commercial loan business while contributing to the growth and profitability of Colonial Bank, N.A.
Analyze cash flows, spread financials, profile clients, negotiate loan structure, and cross-sell Colonial Bank products and services.
Consistently meet and exceed sales goals in loans, deposits, fee income, and referrals.
Handle construction to permanent commercial loans, new and refinanced commercial mortgages, lines of credit, letters of credit, equipment loans, guidance lines, etc.
Managed business banking loan production for 5 branches in Macon.
"

Directed and oversaw all the financial activities of the branch, including preparation of current financial reports, summaries and forecasts for future business growth and general economic outlook. Effectively motivated and managed five to six associates. Managed and grew a loan portfolio; solicited and processed consumer and commercial loans; and made sales call to further business/branch growth. Provided customers and business clients with merchant/visa credit card services which met their needs and provided a profitable return.

Managed procurement and design needs of credit processing materials for over 180 clients. Including oversight of all printing and technical verbiage. Served as liaison between First Data, GE, and Retail Clients for material design and timing. Administrated specifications for all raw materials.

 Administered and evaluated skills assessment for new and existing associates. Set-up CBT (Computer Based Training) to assist management in acquiring additional knowledge about Risk Management, Finance, and C.O.R.E (Credit Operations and Risk Education).