Customer Service Manager

T E R RY B. R E N O U X

**** ****** ***** **** • Somerville, TN 38068 • 901-***-**** • abg7n5@r.postjobfree.com

CA R E E R S U M M A RY

Senior Financial Services Executive desires to be a part of a team to drive growth, control and

efficiency while increasing profitability. Versatile leader who consistently maximizes shareholder value

by building enterprises that deliver legendary customer service and high quality products. Successfully

led three subsidiary companies to record levels of growth and profitability. Extensive experience

representing companies to industry organizations and regulatory bodies.

P ROF E S S I ONA L E X P E R I E NC E

L ST C o n s u l t i n g Gr o u p LL C 20 0 9 to Pr es e n t

S r Ma n a g i n g p a r t n e r

General Bank and small business consulting. Areas of focus are small business start up coaching,

retail bank strategic planning and product development, compliance and regulations structure.

FIRST HORIZON NATIONAL CORPORATION, MEMPHIS, TN 1989 TO 2009

President Consumer Finance 2001 2009

Championed all aspects of the consumer bank working in a multi state environment.

• Directly interfaced and influenced the production in 200+ retail banking branches and 300+ Mortgage

locations as well as private client and small business areas.

• Built relationships with and constantly interfaced with bank and mortgage management to run growing

responsibilities with personal leadership ratings in top quartile relative to peers.

• Built a management team to support, track and drive cross sell strategy, built a call center strategy to

support cross sell.

• Increased revenue from areas responsible for over 100% from 2004 2008.

• Managed smaller mortgage banking subsidiary after First Horizon sold the mortgage unit to MetLife.

• Responsible for all aspects of managing portfolio profitability on $7.3 billion on balance sheet and $3.1

billion off balance sheet loan assets consisting of Real Estate, Heloc, Auto, Cards and other.

• Business units responsible for consistently had customer service ratings 95% good excellent.

• Successfully created 30% efficiency in business expense run rates when markets shifts dictated.

• Directed all consumer lending product areas.

Consumer Lending Product manager 1989 2000

Terry B. Renoux 901-***-**** Page 2

Built a bank owned full line insurance company resulting in a new $10,000 million plus

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dollar revenue stream

Built and led a 70 branch Consumer Finance lending group resulting in a sale as strategy

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changed for $7 million dollar premium.

Acquired two companies and successfully integrated into operations.

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Revamped and managed indirect lending, floor planning and servicing areas to

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appropriate risk return profitability.

Responsible for and involved in all aspects of asset disposition including Auto’s,

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Mortgage secured and unsecured.

Created loan securities to improve funding and risk exposure to long term assets

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FIRST USA, DALLAS, TX 1988 TO 1989

Senior Vice President, Consumer Products

Oversaw Home Equity Lending, insurance and travelers check divisions. Managed the 200 seat

telemarketing center.

• Built consumer products division for First USA resulting in pretax growth of 30% year over year from

that division.

• Increased organic revenue from new products by 20%. Improved products sold per telemarketer in

telemarketing center by 10%.

• Senior member of marketing group and rebranding selection committee, selected First USA.

UNITED BANKERS CORP, WACO, TX 1986 TO 1988

EVP, Retail Banking

Leader of all aspects of retail banking in seven different unit banks. Managed the retail deposit platform,

marketing areas and all lending areas including mortgage and small commercial lending.

• Grew lending assets 15% year over year.

• Improved deposit profitability by 10%.

• Recruited lender team members to build strategy.

• Member of senior loan committee.

• Built a student lending program as a new revenue stream.

E D UCAT I O N

Graduate Southern Methodist University Banking School, Dallas, TX

BS, Business Finance, Pacific Western, Long Beach, CA

PROFESSIONAL DEVELOPMENT & TRAINING

Terry B. Renoux 901-***-**** Page 3

Building of Champions Coaching

Professional Coaching, Bixler Group

Xerox Sales Training

Professional Development Program

Toastmasters

Various internal leadership courses

MEMBERSHIPS

Board Member, Consumer Bankers Association

Board Member, County Forester Association

Consumer Bankers Association

Mortgage Bankers Association

Chamber of Commerce

Senior member of Consumer Risk Committee.

Member of ALCO.

Rotary International

Board member First United Methodist Church

Military

USAF 1974 1978

Honorably discharged NCO

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