Sales Manager

JUDD LACSON

Address: **** ******** *** **., ***********, VA 22152

Mobile: 703-***-****

E-mail: ********@*****.***

Tel No: 703-***-****

PROFILE

MBA with 14 years of commercial banking experience including as

Relationship Manager in the Corporate Banking Group of two overseas banks,

and as a Portfolio Administrator and Business Banker in the Business

Banking Group of three US banks.

Formally credit trained and experienced, having analyzed and evaluated

credit risks of small businesses to large corporations.

EXPERIENCE

CHEVY CHASE BANK June 2006-July

2009

Vice President - Business Banker

* Responsible primarily for prospecting of new small business opportunities

within a target prospect size of $1MM to $10MM in sales. Focused on the

northern Virginia region especially the area of Springfield and Lorton,

Woodbridge, and part of Alexandria.

* Also responsible for referring business to other areas of the bank such

as Government Contracting, Corporate Banking, Not for Profit, Real

Estate, Cash Management, etc.

* Acts as consultant/advisor to customers, and pre-screened credit

applications.

* Determines appropriate loan terms and conditions that are acceptable to

the customer and in line with credit policy.

PNC BANK May 2005 -

May 2006

Assistant Vice President-Business Banker II, Business Banking

* Responsible for maximizing the return on an existing book of business of

small business bank customers and prospecting for new small business

opportunities within a target prospect size of $1MM to $5MM in sales.

Worked in the areas of Georgetown, Arlington, Rosslyn, Ballston, and

Woodbridge.

* Drives sales revenues and customer satisfaction equating to increased

retention and Business Bank achieving its goals. Sold the full range of

PNC Bank products and services.

* Acts as a consultant/advisor to customers.

* Determines appropriate loan terms and conditions that are acceptable to

the customer and in line with credit policy. Pre-screened credit

applications with strong working knowledge of financial statement

analysis.

RIGGS BANK, NA September 2004 -

May 2005

Assistant Vice President-Portfolio Administrator, Business Banking

* Managed a portfolio of more than 120 small business borrowers with an

aggregate loan value of approximately $40MM.

* Managed the underwriting process and supervised Credit Analysts in

underwriting for new and existing credit facilities.

* Served as a member of the Relationship Management Team in enhancing

customer value by identifying and proposing creative financial solutions

to meet customer requirements. Participated in business development and

retention calls to new and existing customers.

* Advises Relationship Managers in the structuring and pricing of new

relationships, as well as assists in the closing process with external

parties such as title companies and closing counsel.

* Performed portfolio maintenance responsibilities to include tracking and

monitoring of: borrower financial reporting requirements, collateral,

documentation exception and clearing, covenant compliance, and

delinquencies. Researches, compiles and prepares periodic portfolio

management reports.

* Assists the Group Vice President and Chief Lending Officer of the

Division.

GEORGE WASHINGTON UNIVERSITY September 2002 -

May 2004

MBA Student, Full-Time Program

* Concentrated on international business and finance courses such as

international business finance, international banking, external

development financing, investment and portfolio management, personal

financial advising, and financial statement analysis.

* Led teams to attain the top grades for group projects involving financial

statement analysis in three different courses: Financial Accounting,

Financial Management, and Financial Statement Analysis.

* Awarded Francis J. Lyons Riggs Trust Prize by Riggs Bank for a project

under the course of Investment and Portfolio Management.

* Tutored both graduate level students and undergraduates in the courses of

Financial Accounting and Financial Management.

EQUITABLE PCI BANK November 1997

- December 2001

Manager, Corporate Banking

* Managed a portfolio (with an approximate value of $100MM) of top

corporate clients serving as primary bank advocate and financial advisor,

responsible for enhancing existing business and generating new clients.

* Underwrote, analyzed, evaluated, and recommended the

establishment/renewal of credit facilities to the Bank's Executive

Committee. Successfully increased loan portfolio by more than 200%

* Led and participated in Loan Syndications and club deals with other

banks.

* Established and facilitated bank participation in other debt instruments

such as bonds and Long Term Commercial Papers (LTCP). Solicited,

negotiated, and endorsed the Lead Underwriting for an LTCP issue.

* Led teams in the development of new products and solutions to address

client needs

* Cross-sold services of subsidiaries and affiliates, such as leasing,

receivables discounting, investment banking, and credit card services.

* Supervised Loan Assistants and trained junior officers

METROPOLITAN BANK & TRUST CO. September

1992 - October 1997

Account Officer, Corporate Banking (September 1993 - October 1997)

* Managed a portfolio (with an approximate value of $50MM) of top corporate

accounts servicing a wide array of banking requirements

* Negotiated and coordinated with various officers and staff of clients and

of the bank.

* Originated, underwrote, developed, packaged and administered credit

facilities, and other commercial banking services such as trust services,

payroll arrangements, collection arrangements, guarantees, and

deposits/placements

* Successfully increased loan portfolio by 243% and solicited new major

corporate accounts.

* Cross-sold services of affiliates and subsidiaries, such as fire and

marine insurance, credit cards, leasing, and investment banking services.

* Supervised a loan assistant

Business Development Officer (September 1992 - September 1993)

* Underwent an internal one-year credit training program of the bank, as

well as training in various subsidiaries and affiliates of the bank.

* Assigned to various departments and branches of the bank to undergo on-

the-job training.

* Assisted in setting up five bank branches

* Assigned to Corporate Banking as an Account Officer/Relationship Manager.

EDUCATION

George Washington University, Washington DC

2002 - 2004

MBA, International Business

Ateneo De Manila University, Philippines

1987 - 1991

B.S. Business Management

TRAINING

* Business Banking Officer Program (Omega for Credit and Sales), June 2006,

Chevy Chase Bank

* Business Banking Level III Lending Program (Omega Performance), April

2006, PNC Bank

* Risk Rating, 2005, Riggs Bank

* Financial Statement Analysis, 2004, George Washington University

* Financial Management, 2003, George Washington University

* Financial Accounting, 2002, George Washington University

* Buker's Tax Analysis I and II, 2004, Paul Buker, CPA, MT

* Trade Finance, 1998, Bankers Trust

* U.S. Eximbank, 1994, Standard Chartered Bank

* German Export Guarantees, 1996, Bayerische Landesbank

* Euro & Multi-sourced ECA Finance, 1996, ABN-AMRO Bank

* Advanced Bank Selling Skills, 1995, Metrobank

* Business Dev't/Credit. Officer Training (1 year program), 1992, Metrobank

OTHER SKILLS

MS Office, Moody's Financial Analyst, Buker's Taxanalysis, Onyx, Equifax,

Genesis, Fidelity, ACBS, JMP IN, Expert Choice, Lotus Notes, Business

Objects, Sales Force, Baker Hill, RDS, etc.

Contact this candidate