Management Manager

Albert J. Patterson II

770-***-**** ? 706-***-**** ? *********.*******@*****.***

FINANCE / BUSINESS DEVELOPMENT LEADER

Banking & Finance / Business Development-Sales

A results-driven professional who provide leadership and support over a

variety of financial oversights; Play key role in proactively overseeing

the fiscal components for strategic business plans, and the analysis of

existing & new business opportunities; Demonstrate ability engaging and

managing prospects, customers, throughout the entire customer lifecycle; A

solid understanding of critical selling skills, with exceptional

analytical, organizational, and communication abilities to work within a

professional, team-oriented environment. Core competencies include:

Strategic Direction / Revenue Management / Accounting Operations / Business

Development & Sales / Internal Audit Budget Planning / Financial Analysis /

Policy & Procedures Management / Management Reporting

Manage Cross Functional Work Teams / Underwrite Commercial Loans /

Portfolio Management / Clients Relationships / Regulatory & Compliance

Issues / Training & Development

PROFESSIONAL EXPERIENCE

Operations & Accounting Management, Horizons Realty Group, Gainesville, GA

[2009 - Current]

Oversee day-to-day operations and accounting oversights for a property

management firm serving North Atlanta market. Manage a team of 10 property

managers. Deploy project management tasks for all segments of operations

and IT applications. Engage in underwriting and cash flow analysis, credit

bureau reviews, and overall strategic planning of lease exposure. Review

and manage ledger financial records for file retention, adhering to all

compliance requirements and audit controls.

. Involved in implementation of new operation and accounting system,

resulting in process improvements.

. Selected to manage project of writing formal business plans and

policy/procedures manual.

. Cultivated relationship with clients to gather financial data required

by state law and FCRA.

. Grew company from 124 homes to 241 homes, surpassing net income target

for 18-months.

Senior Commercial Banker-Commercial Banking, IronStone Bank, Duluth, GA

[2006 - 2009]

Served as Commercial Banking Officer as the #1 Lender (coast-to-coast) in

2007 & 2008 within the Atlanta market; Oversaw management of a high

complexity portfolio consisting of $109 million in loans; Maintained a

thorough understanding of content and aggregate risks within portfolio,

trends and other key statistics; Analyzed tax returns and all financial

oversights for management reporting; Performed cash flow analysis,

financial statements, and financial analysis (revenue statement, P&L,

balance sheet).

. Exceeded production goals for credit, deposits, fees, and outstandings

consistently over three consecutive years in a recession based

economy.

. Top Producer of SBA loans in Ironstone Bank in 2007 & 2008 with loans

totaling $8.7MM in SBA 504 (Bank Retained portion) loans.

. Identified key strategies to enhance annual review process of

relationships consisting of $500M and up to $30MM.

Business Development Officer, Century Security Bank, Duluth, GA [2005 -

2006]

Incorporated effective business development strategies to expand commercial

banking in a dynamic and highly collaborative environment; Performed credit

analysis and underwriting, including providing informative presentation to

credit administration consisting of credits up to $3.3MM; Supported all

aspects of cross selling deposits, remote image deposits, and merchant

services.

. Supported all aspects of capture appropriately, including annual

review of credits greater than $500M in cumulative exposure.

. Grew new loans of $12.1 million; new DDA growth of 76% in lending

relationships. Exceeded annual credit production goals in first eight

months.

-Continued-

Albert J. Patterson II - Page 2

770-***-**** ? 706-***-**** ? *********.*******@*****.***

Business Development Officer, Main Street Bank, Johns Creek, GA [2004 -

2005]

Served as a Business Development officer for commercial banking in Forsyth

and Gwinnett County; Provided strategic relationship management and growth

for portfolio of $24MM while funding new loan of $15MM; Performed credit

analysis and underwriting, including providing business-level presentations

to credit administration of credits greater than $750M. Supported all

facets of cross selling deposits, insurance, mortgage, securities, and

merchant services referrals.

. Monitored and managed a $24 million portfolio; new credit origination

of $15 million.

. Managed annual review of credits greater than $500M in cumulative

exposure.

Relationship Manager-Commercial Banking, Habersham Bank, Cleveland, GA

[2003 - 2004]

Served as Relationship Manager in the commercial division with an emphasis

in new business development for small business, commercial, construction,

and A&D banking; Scope included developing and securing deposit and credit

relationships in the greater Atlanta area.

. Identified and developed new business opportunities from $150M to

$5.5MM.

. Maintained a diverse credit mixture of client relationships-built

portfolio from zero to $13MM.

City Executive, Branch Banking & Trust, Jesup, GA [2001 - 2003]

Served as City Executive of the Jesup market, responsible for credit

underwriting and providing presentation for small business, construction,

and commercial loans; Developed business opportunities and relationship

management in cross selling products/services to other affiliates of BB&T

lines of business.

. Successfully managed a $55MM portfolio while mentoring and coaching a

Junior Business Banker with a $28MM portfolio.

. Provided consistent loan production, resulting in $1MM of new money

loans monthly; Implemented special assets & loan workout strategies

that enhanced newly merged BB&T market growth potentials.

Small Business Specialist, Bank of America, Tallahassee, FL [1997 - 2001]

Supported five Branches in the Gulf South region in business development

and portfolio expansion goals; Maintained a thorough understanding of

content and aggregate risks within portfolio, trends and other key

statistics; Scope included cash flow analysis, and underwriting with

limited decision authority; Used effective cross selling techniques to

secure business with bank affiliates for consumer banking, treasury

management, wealth administration, mortgage services, and merchant

services.

. Served as Small Business Specialist with a focus in business and

commercial loan growth of $750M; Managed deposit growth of $350M in

core deposits monthly.

. Hired via pilot program aimed to create a business/corporate banking

specialist to aide branch system in winning back clients with

fragmented relationships.

. Inherited book of business with 2000 contacts and partial

relationships, and rebuilt the business customer by customer, meeting

and exceeding established goals monthly.

EDUCATION

University of Phoenix, Masters Degree of Accounting, 2010

Valdosta State University, Bachelor of Arts, Political Science / Public

Administration; Minor: Business Administration/Finance, 1997

SPECIALIZED TRAININGS

RMA - Credit Risk Management Workshop, 2007; Construction Specialist

Certification & Credit Spread (Moody's) Analysis Training, 2006; CBA

Construction Underwriting & Analysis, CBA Lending & Cash Flow Analysis,

2004; Omega Credit Underwriting and BB&T Management Program, 2002; Cohen

Brown Leadership Program, Commercial Underwriter Training, Portfolio, 2001;

Administration Training, Treasury Management Training & Management

Training, 2001; Small Business Lending, Credit Analysis and Underwriting,

2000;

Small Business Development Training, 1997

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