Manager Customer Service

LLOYD SEDILLO

*** * **** *

Orem, Utah *****

Cell: 801-***-****

sedillolloyd@ yahoo.com

*-** ** *-** GLOBAL LINGQUIST SOLUTIONS

Assistant Site Manager responsible for movement of linguists to

their assignments in the country of Iraq. Provide

movement reports on a daily basis. Approved payroll for over 90

individuals, resignations and provided training on procedures

to accommodate the military.

2-06 to 8-09 Barnes Banking Company

Manager: responsible for providing trend analysis of financial

statements for prospective borrowers. Provided ratio analysis

in a comparative format. Coached bank employees in procedures

and customer service to provide a better relationship with the

Bank's customer base. My own portfolio was in excess of

$46million. I was either 1st or 2nd in loan production and fee

generation while at Barnes.

1-94 to 2-06 Central Bank and Trust Company

I started as a Loan officer in 1994 at the Bank's main office

and worked my way to Assistant Office Manager within three

years. Three years later I was promoted to Vice President and

Manager of the Riverside office until I was moved to the Banks

Main Office in 2003. When I was moved to the Riverside office I

was appointed to the Bank's Loan committee.

Vice President and Manager of the Bank's main office from 2003

to 2006. My ability allowed me to take the Main office from

a loss of $600M to a net profit of $2.2million within 3 years.

Supervised 14 FTE while at this office and I was ranked as

their most income-producing officer. I coached employees on

bank procedures and lowered the offices turn over rate to less

than 1% per year. I promoted autonomy within the office so

employees could take responsibility for their successes and

mistakes, which allowed the employees to provide great customer

service. The empowerment of the employee's produced an office

audit rating of excellent.

6-74 I have 20 years of experience in management with the

following other Institutions: Walker Bank- First

Interstate- began my career (1974) and worked up to Assistant

Manager of their consumer lending office in Murray. This office

was purchasing deal paper from 7 car dealerships. Supervised

two collectors at this office.

In 1977 I was promoted to Assistant Manager of Walker Bank at

their Highland Drive office over their consumer lending. Started

training in commercial lending. I was at this position for one

year when I was offered a position by Valley Bank to be their

Assistant Manager of their Highland Dive office in the

Cottonwood area of Salt Lake City.

In 1979 I was approached by Tracy-Collins Bank to become their

Branch Manager of their Cottonwood office. While at Tracy-

Collins Bank I was moved to their Sugar House office as manager

to turn the office around in lending, collections, and

profitability. In 1981 I was moved to their West Valley Office

to turn it around as well. This is where I became a Regional

Manger and Assist Vice President supervising 6 offices with 60

FTE. I had the responsibility for collections, loans and

profitability for all 6 offices along with loan committee

responsibilities.

I handled this responsibility for four years until the Bank was

sold to West One Bank, and remained manager of the office. The

Bank then offered me to become a Regional Commercial loan

officer for six offices of West One on the West side of the

Valley, with only commercial lending responsibility for three

years.

I resigned after three years and left banking but in 1993 was

hired by Capital City Bank as their Assistant Manager

responsible for commercial lending at their Trolley Square

office in Salt Lake City. In January of 1994, I was hired by

Central Bank as a Loan Officer.

MAJOR EXPERIENCE

Consumer lending, flooring lines from boats to semi tractors,

commercial lending for subdivisions, hotel, retail commercial

buildings, residential construction lines of credit for homes,

condos, personal home equity lines of credit and SBA programs in

504 and 7A.

I have excellent written and oral communication skills. I am

well versed in financial analysis and using computer programs to

produce financial trend sheets and providing the analysis behind

the numbers. Along with these capabilities, I am well versed in

computer software.

Thirty of my 35 years in banking have been in management

positions with the responsibility to increase profits, maintain

a low delinquency rate, provide leadership and train the staff

to be the best that they could be.

EDUCATION

MBA from Westminster June of 1989.

B.A. from Northern Arizona University May of 1974.

COMMUNITY SERVICE

Volunteer: Board member for the Food and Care Coalition and

Kids Who Count

INTEREST

GOLFING

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