Carl E. Johnson

***** ********* ******, ************, ** 22601

336-***-**** acfqtc@r.postjobfree.com

Summary

A sales and business development leader with over thirty years of portfolio

responsibility in a market driven environment. A competitive professional

manager with excellent strategic planning, teamwork and presentation

skills.

Key Competencies

Leadership New Business Development Community

Relations

People Development Financial Analysis

Communication Skills

Professional Experience

Wells Fargo Bank - Senior Business Relationship Manager:

Winchester, VA 03/11 - Present

. Responsible for soliciting and developing profitable portfolio with

account relationships currently in excess of $40MM in loans.

. In 2013, have closed 128% of loan goal and sourced $1.8MM in new

deposits.

. Client portfolio consist of a large number of complex and large size

business accounts, providing financial advice as appropriate,

determining commercial loan, SBA and deposit needs.

. Consult with clients to underwrite and spread financials for

commercial requests, work with credit administration to make sound

decisions in new credit, acquisition.

. Define needs, identify and deliver integrated solutions through

selling and cross-selling, and facilitate navigation through internal

channels when appropriate.

. Devise and execute plans to capture new business, deepen existing

relationships and address competitors' strategies.

. Stack ranking among peers is within the top 10 commercial bankers in

Mid Atlantic region.

New Century Bank - Vice President

Dunn,

NC 09/10 - 02/11

. Commercial Relationship Manager: Develop commercial loan business and

services and a wide variety of secured and unsecured loans or lines of

credit.

. Seek to cultivate and grow high-value business households to achieve

objectives for sales, revenue, customer retention, portfolio growth,

and credit quality and client satisfaction.

. Underwrote and spread financials for commercial requests to make sound

decisions in new credit acquisition

. Advocate for client needs while achieving targeted profitability.

. Determine client borrowing capacities based on analyses of financial

condition and industry trends.

First Community Bank -Vice President

Winston-Salem, NC

01/08 - 05/10

. Commercial Relationship Manager: Cultivate and manage relationships

with high-value business households to achieve objectives for sales,

revenue, account retention, portfolio growth, and credit quality and

client satisfaction. Manage portfolio with varying loan structures

and credit risk.

. Underwrote and spread financials for commercial requests and worked

with credit administration to make sound decisions in new credit

acquisition

SunTrust/CCB - Assistant Vice President

Winston-Salem, NC 09/99 - 12/07

. Commercial loan officer: Developed new business and serviced existing

customers among commercial accounts in Winston-Salem.

. Counseled clients on most appropriate use of bank products and

services based o business needs. Structured commercial loans and

credit lines.

. Underwrote and spread financials for commercial requests and worked

with credit administration to make sound decisions in new credit

acquisition

. Branch Manager: Oversaw sales/business development, customer service

and operations. Ensured compliance with operating budgets and

corporate policies.

. Led staff of 5.

. Personally established and managed relationships with commercial and

retail accounts.

. Developed and delivered customized presentations based on evaluations

of client needs for specific financial services.

BBT-Assistant-Vice President

Winston-Salem, NC 09/87-09/99

. Retail Services Officer: Developed business through Contact with

Existing customers, referrals and outside sales calls.

. Branch Manager: Managed sales, customer service operations for a 16MM

branch location.

Wachovia Bank & Trust Co

Winston-Salem NC

10/80-09/87

. Branch Operations Manager: Managed branch operations while maintaining

a portfolio of 2400+ accounts.

. Personal Banker/Trainee: Developed new account relationships among

businesses and individuals. Completed training programs on selling and

product knowledge.

. Field Representative: Collected payments on past due accounts.

Education

NC

MBA, Wake Forest University

Winston-Salem

NC 2001

Bachelor of Science in Business Administration, Livingstone College

Salisbury

NC 1980

Affiliations:

Past memberships include: Ambassador, Dunn Chamber of Commerce, Clemons

Rotary Club; Board Member, East Area YMCA.

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