Amy M. Day *** Washington Street- Perry, GA *****

478-***-**** abhop6@r.postjobfree.com

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Objective

Financial Services professional exploring opportunities to contribute

dynamic management, operations, commercial/retail banking, loan

administration and team building toward actively supporting the employer in

maximizing financial performance.

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Career Profile

> Over 20 years of successful career business background.

> Knowledgeable in all facets of financial services operations.

> Expertise in commercial/retail banking, business loan portfolio,

deposit acquisitions and business development.

> Comprehensive understanding of business management.

> Adept in P&L, quality liquidity, credit proposals and loan

closings.

> Control and monitor potential portfolio weaknesses and resolve

delinquent credit issues.

> Proficient in advanced business software applications.

> Award winning record of progression to assignments of increasing

responsibility and authority.

> Proven accomplishments in building market share and recognition.

> Track record of achieving challenging revenue objectives.

> Outstanding capacity in customer service.

> Well-organized multi-tasker with strong detail orientation.

> Corporate sponsored professional development programs.

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Professional Experience

Moon Family Holdings, Macon & Columbus, GA

2009-Present

Consultant; Commercial Real Estate Development & Management

Oversee management and operations of 70 million dollar complex real estate

portfolio consisting of commercial development, residential development,

construction projects, rehab, apartments, manufactured homes, and a variety

of other office retail and industrial income producing properties.

Provide leadership and coordination in the administrative, operations,

business planning, accounting and budgeting efforts for all 17seperate

entities comprising the real estate holdings.

Contribute and oversee development initiatives such as conversion to income

producing thru leasing, 1031 exchanges, sale and liquidation of assets,

acquisitions, deal evaluation and due diligence.

In command of all aspects of financial reporting functions, work directly

with the Companies outside CPA's, work directly with the internal

bookkeeping staff, provide various analyses of balance sheet and

profit/loss statements, work on special projects as necessary, develops

outside relationships with investors, bankers, real estate agents and

brokers, etc.

Utilize financial data to diagnose business strengths and weaknesses and

identify the implications for potential strategies; keeping a financial

perspective in the forefront when making strategic decisions.

Manage and analyze cash flow, cost controls and expenses.

Arrange and structure appropriate debt financing as required for capital

needs.

Creatively develop and present to creditors oral and written workout

strategies of impaired assets to reduce overall degree of risk associated

with special or distressed assets within portfolio.

Oversee legal aspects associated with bankrupt entities and problem assets

within organization. Work closely with internal/external legal counsel for

remedies.

Utilize commercial credit and underwriting experience as well as working

knowledge of bankruptcy laws, real estate laws, state collection laws,

banking regulations, and collateral valuations for risk management and

recovery.

BB&T Bank, Warner Robins, GA 2002 - 2009

Vice President/Sales Manager; Commercial Banking, Consumer Banking

. Act as Senior Banking Officer.

. Oversee daily functions for commercial/retail banking, business loan

portfolio administration, deposit acquisitions and development of

positive community image.

. Orchestrate innovative business development strategies.

. Ensure accurate and appropriate documentation and legal compliance.

. Spearhead sales/operations process improvements.

. Develop and execute annual unit budget.

. Provide leadership for staff of up to seven Managers.

. Facilitate real estate and C&I loans up to $30MM.

. Control, monitor and direct credit portfolio exceeding $68MM.

. Ensure unit currency with advanced technology methodologies.

. Deliver profitable unit performance on a consistent basis.

. Establish highly positive business client relationships through use of

the Consultative Relationship Management Process.

. Launch multiple prospecting initiatives to gain new business.

. Coordinate efforts of Private Bankers, Relationship Managers and Wealth

Management Advisors.

. Serve as Corporate Representative in the community.

. Recipient of Banking Network Sterling Performance Award, Best Credit

Quality Award (three annual occasions) and Fee Income Producer of the

Year (two annual occasions).

Loomis Fargo, Macon, GA 1998 - 2002

Corporate Account Executive

. Retained to perform wide-ranging account management and business

development functions.

. Successfully oversaw national accounts for cash and risk management

services.

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Earlier Background

Prior to 1998, served as Business Development Manager, America Credit

Financial Services, Warner Robins, GA, and Corporate Auditor, Sunstar

Acceptance, Atlanta, GA. In these assignments built outstanding financial

management, operations, account oversight, auditing and staff supervision

skill sets.

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Education

BB&T Banking School,

Leadership Program for Houston County

Continuous Banking education credits, 568.50 hours

Workshop: FARR Associates, 2008

Leadership and Professional Development, 2008

Omega Business University, Macon, GA 31069

Graduated: 02/28/2005

Major: Business Credit Instructor Evaluation

Certification, 82%, Ranked #2 out of 15 students in course

BB&T University, Warner Robins, GA 31093

Graduated: 02/20/2003

Major: Leadership

Certification, 99/100 Score

Lexis Nexus, Oracle, Bank Pro, Proactive, Outlook, Excel, Word, PowerPoint

Diploma, College Preparatory, Perry High School, Perry, GA, 31068, 1989

SUPERVISOR QUOTES AND RATING COMMENTARY:

"Amy Day exhibits exceptional pride and ownership and possesses strong

personal goals and accomplishes goals within the context of work unit and

corporate missions and possesses self-motivation and a strong work ethic,

including the initiative, energy, and desire for success. Can make things

happen, negotiate, and "make a deal." Recognizes business opportunity and

seizes it. Meets agreed goals on consistent basis. Leads by example and is

forward-thinking. Creates and manages real and positive change. Selects and

retains talented people. She encourages training and education. Provides

coaching and feedback to develop team members to fullest potential.

Evaluates and rewards employees objectively. Proven Top Producer; developed

leadership and diplomacy skills." Scott Carpenter, Senior Regional Credit

Officer, BB&T Bank, Overall Performance and Summary, 2008

"Conducts and follows policy and practices; properly analyzes financial

information to include historical performance and project ability to

perform per the terms of our agreements. Considers all elements of credit

risk and objectively assesses the degree of risk within acceptable

parameters; utilizes logic and assessment of risk as determined through

proper analysis and maximizes relationship economic profit." Scott

Carpenter, Senior Regional Credit Officer, BB&T Bank, Overall Performance

and Summary, 2008

"Regional Senior Credit Officer and Administrator-Amy is a great balanced

lender as evidenced by the quality, profitability, and growth. She has

shown her true abilities by how she is managing a $90M credit portfolio in

a challenging economic environment." Jack Lester, BB&T Bank, City

President, 2007

"Welcome to the Board of Directors for the Rainbow House Children's

Resource Center. I have enclosed an application. Please complete it and

return it to us by mail to the address above or to the fax number." Barbara

Jernigan, Office Manager, Rainbow House Children's Resource Center, 2007

"My partner Camille and I were impressed by the reception we received

during our visit on April 14, 2006; we must first apologize for when we set

the date for the meeting with the developers, builders, and realtors. We

did not realize that it was Good Friday. Nonetheless, the meetings and the

day went exceptionally well because of the attention, dynamism, and

arrangement made and provided by Amy Day." W. Rouzea, Vice President,

Lucent Technologies, 2006

"Amy: Thanks for doing such a great job with the client and prospects. You

are really making a difference in the Warner Robins market." David Lanier,

Regional president, BB&T Bank, Position, Organization, 2006

"Once, again Amy has proven herself as top producer, not only in the region

but also in the entire banking network. I find it difficult to come up with

new ways to recognize her achievements and accomplishments and excellent

underwriting skills, good client relationships, and willingness to work

hard to get the job done." David Lanier, Regional president, BB&T Bank,

Position, Organization, 2006

"Amy received a score of 82 and was 2 out of 15 to pass this course. This

course consists of eight modules of independent study materials followed by

cases study. The major sections of this class were identifying the

Borrowing Cause, Analyzing Business Risk, Analyzing Financial Statements,

Analyzing Cash Flow, Developing Projections, and Working Capital. A

significant amount of material is covered in this advanced course in a very

short period of time and required at lot of hard work by the participants.

Amy succeeded in earning a passing grade on a very difficult test, which is

representative of this very comprehensive course. Amy had a positive

attitude and actively participated in group discussions. Her input to the

class was meaningful and helpful, not only to the class, but also to me as

an instructor. She worked very hard to learn as much as possible in this

course and should be commended for her success." Steve Boyenger, Regional

President, Omega, 2005

OTHER QUALIFICATIONS:

Job-related training courses:

Community Reinvestment Act, 03/2005, 2007-2008; Security Procedures, 2005,

2006, 2007, 2008; Business Loan Strategy, 1/31/2005, Basics of Financial

Accounting, 1/27/2005; Building and Managing Business, 03/2005; Regulation

DD Truth-in-Lending, 8/3/2005; Richardson Company Negotiating Skills,

11/1/2005; Securities Inquiry, 04/2005; Business Deposit Product Knowledge

01/2005, Fair Credit, 02/2004, Truth and Lending Regulation Z, 04/2004,

Bank Secrecy Act Abridged, 05/2004; U.S. Patriot Act, 06/2004; Regulation

CC, Funds Availability Act, 06/2004; Construction Residential and

Commercial Lending, 10/2004; Business Lending, 12/2004; Fundamentals of

Retail Lending, 02/2003; One Leader at a Time, 09/2003; Residential

Mortgage Regulations, 12/2003; Emotional Intelligence, 12/2003; Cohen Brown

Practical Time Management, 05/2003.

The following courses were taken between 2007 to 2008: Money Laundering

Fundamentals, Equal Credit Opportunity Act, Home Anti/Tying Training

Regulation Y, Fundamentals of Commercial Real Estate, Cip, Sir/Sars,

Account Analysis, The Consultative Sales Retentions Process, Wealth

Management, Managing Business Quality, RMA Assessment, Records Management,

Consumer Privacy Act, Understanding Tax Returns, Land Acquisition and

Development Training, Executive Team Development, Manager Team Development,

Leadership Development, Executive Coaching Management, Maximizing

Leadership, Dynamics, Effective Team Building, Strategic Leadership

Development

Job-related certificates and licenses:

Omega Business University and Business Credit Instructor Evaluation

Certification, 2005

BB&T University and Leadership Certification, 2003

Honors and Awards:

Who's who, 2009, 2008

Loan Production, Ranked #2, 2008

Promotion, Vice President, 2007

Promotion, Job Grade, 2007

Top 10 Annual Deposit Producers, 2007

Top 10 Fee Income Producers, 2007

Superior Business Loan Portfolio Growth, 2007

Top Five Deposit Producer, $23M, Ranked #2, 2007

Warner Robins Area Chamber of Commerce Leadership Program, 2007

Banker's Secret Shoppers "Excellent Customer Service" Award, 2006

Business Banker of the Year, 2006

Sterling "Manager" of the Year, 2005

President's Award, 2005

Promotion: Financial Manager, Business Banker, 2004

Best Credit Quality, Highest Profitability, Best Audit Documentation Award,

2004

Promotion: Assistant Vice President, 2003

Financial Center, Best Improved Performance Branches, 2003

Loomis Fargo, Account Executive of the Year, 2001

Professional and Social Affiliations:

Red Cross, Fundraiser, Event Coordinator, 2009, 2008, 2006

The Moose Club, Educational Funds Fundraiser, Event Coordinator, 2008

United Way, Bank Leader, Fundraiser, Volunteer, 2008, 2006, 2004

Warner Robins Area Chamber of Commerce Leadership Program, Participant,

2007

Board of Directors, Rainbow House Children's Resource Center, 2007

DDM, Fundraiser, Event Coordinator, 2007

The Biltmore's "Who's Who" among Professional Business Women, Recognized

Member, 2009, 2008

Branding "Beliefs, Behaviors, Results," Quality Management Performance,

Producer, 2009

Knowledge, Skills, and Abilities:

Ability to communicate, lead, manage, direct, supervise; provide expertise

in commercial and retail banking, business loan portfolio, deposit

acquisitions, and business development; execute comprehensive understanding

of business management; proficient in profit and loss analysis, quality

liquidity, credit proposals, and loan closings; control and monitor

potential portfolio weaknesses and resolve delinquent credit issues;

advanced business software applications; advance into increased levels of

assignments and authority; demonstrated skills in market share; achieve

challenging revenue objectives; customer service; multitasker; detail-

oriented; corporate-sponsored professional development programs; Microsoft

(MS) Word, Excel, PowerPoint, Access

References

Larry O'Neil

State Representative for Georgia

478-***-****

Gary Garrad

Appraisal Services

478-***-****

Anita Harvey

BB&T Bank

478-***-****

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Contact this candidate