Valerie LeConte

***-** ***** ******

South Ozone Park, NY 11420

917-***-****

acumft@r.postjobfree.com

Experience

**/**–6/15 Capital One, N.A.

Vice President/Sr. Relationship Banker – Responsibilities included consulting with existing Business banking customers and prospects in the Manhattan market to review current and future business needs. I achieved portfolio growth through the development of a business plan in alignment with my departmental budget. Recommend banking solutions that result in the sale and administration of all banking services to include deposits, term loans, working capital lines of credit, FX, treasury services, investments, trust, etc. Coordinate with various departments (Trust, Operations, Private Banking, Wealth Management, etc.) in the servicing of routine transactions. I am responsible for pre-qualification of new lending opportunities. Evaluate risk and compensating demand deposit balances of each loan in order to properly price loan to meet profitability standards. Recommended covenants and structure with a detailed write up of my financial analysis. Liaise with borrowing customers to procure updated financial information on an annual basis. I review demand deposit profitability analysis and outline strategies to bring unprofitable accounts back to profitable status. Maintain up-to-date knowledge of competitor products and pricing in my market.

3/2006-7/2013 JP Morgan Chase Bank, NA

Vice President - Cash Management Consultant - Responsibilities included partnering with 9 Relationship Managers in the Midtown Manhattan Market to drive new profitable cash management sales. Become an expert on the clients operating needs to gain "Trusted Advisor" relationship. Lead client discussions regarding treasury solutions to better understand their current environment to recommend appropriate solutions. Manage entire sales process through implementation. Conduct a competitive analysis for Treasury Services. Focus on new business development with prospects and under penetrated clients within the Relationship Manager's book of existing clients. Maintain strong working relationships with product managers and product sales specialist across different lines of businesses. I generated an average of $85,000 monthly in new TM sales fees and maintained a portfolio of approximately 200 clients with a revenue baseline of $1,100,000.

Vice President - Treasury Technical Sales Specialist– Responsibilities include partnering with 10 Middle Market/Large Corporate Bankers in the sales effort to win new treasury deals that have revenues greater than $500MM in the NorthEast region. Perform detail analysis with clients/prospects on site to formulate the business requirement of the client. Propose new day-to-day workflow illustrating efficiencies gained by using our receivables solutions. Generate new sales revenues and implement strategies to ramp product usage post implementation, which has yielded in 30 % revenue growth FYE 2010 and 2011. Act as primary contact for the client and identify opportunities for additional recievables product cross sales of Lockbox, Receivables Edge, Virtual Remit and Pay Connexion. Work with Product, Operations, and Development teams to develop product enhancements, report defects, resolve client issues and deliver solutions. Monitor account activity, service level agreements and client satisfaction. Review client pricing and approve monthly billing for all clients. Support Sales team with the execution of RFP and RFI requests. Make sure RFP responses are in compliance with bank polices, risk and legal. Lead product demos, monthly webinars and support marketing initiatives.

Vice President/Senior Relationship Manager – Responsibilities included managing a portfolio of 90 high value business clients. I manage the profit and loss factor associated with the portfolio, including loan grading, loan pricing, pay and return decisioning. Monitor the risk associated with the credit exposure by analyzing financial statements, and operating reports for my clients quarterly and semi annually as well as borrowing base certificates and covenants executed in the lending terms. I was responsible for retention and new client acquisition to generate new deposit relationships, loan balances and fee income from treasury services and FX. Consult with clients and provide high level of service to maintain relationships and cross sell additional products and services (Treasury & Securites Services, Core Cash Management) to deepen the relationship.

3/04 – 3/06 HSBC Bank USA, NA

Assistant Vice President/Business Relationship Manager – Responsibilities include managing a portfolio of commercial customers with a revenue baseline of $5,700,000 yearly, focusing on product penetration, profitability, customer satisfaction and retention. Identify customers with additional profit potential and develop action plan to expand these relationships. Source and expand new business relationships. My performance exceeded my target goal ending the year at 130% generating new deposit balances, originated new credit/ outstanding loan balances and in fee income (wealth management, insurance, cash management) for 2005. Compile and analyze financial information and necessary documents to present credit recommendations up to $10,000,000. Complete reviews, evaluations of financial and operating risk for all credits in existing portfolio that are lending clients to minimize potential loss for HSBC Bank USA, NA. Coordinate business related seminars for current and prospective clients and represent HSBC Bank USA, NA in community activities and organization to enhance company image and enhance a referral network for business development opportunities.

10-02 – 3/04 Fleet Boston Financial

Business Development Officer/Relationship Manager - Responsibilities included overseeing partnerships with 5 fleet branches for the retention, cross-sell, servicing and revenue growth of existing borrowing/non-borrowing customer relationship; the acquisition of new customer relationships within the Regional Banking target segment in the market area assigned via proactive prospecting, telemarketing, cold calling, networking at trade show and building strategic referral source relationships with accountants, lawyers, and business associations. Active utilization of Regional Banking Credit Management Systems and processes to pre-qualify prospects. Identify and assess needs of prospects and create a plan that will help them achieve their goals long term and short term financially. Set businesses up at their site with all of their banking needs, lines of credit, term loans, leasing, payroll, merchant services, cash management services, and workplace banking. Provide leadership and direction in the development of and participation in various sales/marketing objectives to branch managers and business specialists.

Related Skills: Strong sales, analytical, communication, negotiating, & organizational skills

Advanced relationship management skills and new business development skills

Expert knowledge of credit, treasury products and core cash management

Experience with Salesforce and various CRM systems

Education: LaGuardia Community College, Long Island City, NY

Received Associates in Science -1995

Major: Business Management

Professional Training: New York Institute of Credit/Sponsored by HSBC Bank USA - New York- 2004-2005

Principles of Accounting 1 & 2

Commercial Analysis for Lenders

Advanced Credit Training Program

References Available upon request

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