**** ********** **** 865-***-****

Knoxville, TN 37932 abhw2a@r.postjobfree.com

Jonathan Patrick

Experience 01/09 – Present First Tennessee Knoxville, TN

Commercial Banking/Vice President

Supported customer portfolio with over 300k in revenue growth for 2010.

Carried a total portfolio that generated 894k in revenue during 2010.

Referred over 93k in revenue to internal business partners.

10/07 – 11/08 News Sentinel Knoxville, TN

Credit Manager

Tasked to create a new credit policy and procedures for the 2nd largest

publication in the E.W. Scripps footprint. Developed a risk grade system

for evaluating new account credit applications to eliminate subjective

decisioning.

Lowered the account receivables balance by over $1.5 million.

Managed a team of credit analysts, as well as working with over 50

account representatives and 5 directors of niche publications.

Established a Credit Manager Forum amongst all E.W. Scripps

publications to encourage networking and best practice comparisons.

08/06 – 10/07 BB&T Knoxville, TN

Business Services Officer II/Assistant Vice President

Assigned to cover the Knoxville market. Tasked to grow the market as

well as solidify relationships with internal and external referral sources.

I have experience with all types of lending requests including commercial

real estate, commercial & industrial, capital markets, and more. Gained

individual approval authority up to $250,000.

During my second month I produced $620,000 in loans, $320,000 in

deposit relationships, $3000 in loan fees, and made a commitment letter

on another $550,000 in loan opportunities.

At the end of my first full year I had produced approximately 8 million in

loans and helped to grow the newly acquired West Knoxville locations

deposits by 300%.

Through active networking have obtained the opportunity to review over

27 million in loan requests.

11/04 – 08/06 Regions/Union Planters Knoxville, TN

Business Banking Relationship Mgr./Assistant Vice President

Maintain existing portfolio as well as attract new commercial customers

with lending, deposit, cash management etc. needs throughout all of

Knox, Blount, Roane, and Jefferson Counties. I served as the only

Business Banker authorized to work with larger commercial clients with

lending requests upwards of 10 million dollars.

Grew my loan portfolio by 361% within the first month. I carried a 32

million dollar loan portfolio. In 2005 had over 6 million dollars in new

production with over $52,000 in fee income. I have also referred over 30

million to the other commercial lenders. In June 2006 I closed over 3.5

million dollars in loan production and 2 million in deposits.

I have been through the Omega financial analysis program as well as

taught the class to other Business Bankers and Branch Sales Managers.

I am experienced in loan underwriting including cash flow analysis, loan

structuring, etc.

As part of the Business Banking Team pilot program I was selected to

work directly with the Business Banking Manager to help them supervise

and train their team. I was also responsible for helping to plan our

direction and monitoring our development.

06/03 – 11/04 Union Planters Knoxville, TN

Branch Manager

Lead the operations of the Knoxville Main office and Sequoyah/Bearden

branch.

Lead both branches to achieve their corporate deposit, loan (1st and 2nd

mortgages), and investment goals nearly every month.

Supervise branch operations and ensure quality service levels.

Part of the Small Business and Investment Teams.

Hire and train branch staff, working with individuals to increase their sales

and service levels to increase their contribution to the branch and

customer.

Maintain a minimum loan pipeline of $250,000 per week through referral

sources and building solid relationships. Maintained a goal of $400,000 in

loans closed per month.

Education 1992-1995 University of Tennessee Knoxville, TN

B.S., Marketing.

Graduated Cum Laude, 3.5 GPA.

Skills Highly experienced with computer applications.

Five years of Spanish.

Two years of Japanese.

Have held Series 7, Series 63, Life/Health, Property/Casualty, and Real

Estate Agent licenses.

Currently finishing the necessary Accounting classes to sit for the Certified

Public Accountant exam.

Farragut Chamber of Commerce committee chair.

Regular speaker at a variety of professional organizations on topics of

finance and networking.

BNI Ambassador

Past Rotarian

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