Manager Sales

Wade Hampton Owens

Email: abn2d0@r.postjobfree.com

Phone: 904-***-****

Dear Sirs:

I believe I have both the drive and skills to be an asset for your

organization in this position. I have both a BA degree in Business

Management and a BA degree in Economics from North Carolina State

University. I have spent the majority of my 20 year career as a business

development/lending specialist or as a credit/financial analyst. I also

possess superior communication and negotiation skills, effective

presentation skills, experience at consultative selling, excellent self-

discipline and time-management skills, and a strong passion and desire to

succeed.

In July of 1991, I was selected by Barnett Bank of Jacksonville to

participate in their Management Associate Program where I was formally

credit trained. In September of 1991, I served as a Commercial Credit

Analyst. Among my responsibilities, I conducted extensive credit analysis

of existing and prospective clients and prepared definitive reports for

senior management to facilitate decision making. In November of 1993, I

became Assistant Vice President/ Business Banker with Barnett Bank. Among

my duties, I performed an initial financial evaluation of potential

commercial borrowers. In 1998, I was recruited by First Union National Bank

and served as Vice President/ Financial Specialist where I evaluated and

analyzed business and personal financial information in order to approve or

deny consumer and commercial loans as well as establish lines of credit for

consumers and small businesses.

In 1999, I wanted to be an entrepreneur and started my own commercial

mortgage business. With the expenses being greater than my income, I

decided to accept a position in November of 2000 as Manager of Existing

Small Business at the Jacksonville Regional Chamber of Commerce's Small

Business Center. There, I conducted extensive assessments of business

financial status and also evaluated management practices and made

recommendations based on those assessments. In year 2001, on a volunteer

basis, I served as a Board member for Jacksonville Economic Development

Company (a SBA CDC) and served as a loan committee member where we

evaluated business and personal financial information for loan

consideration. In 2004, I was recruited by Neighborhood Lending Partners,

Inc. to be Market President for the new North Florida which covered 42

counties. I was responsible for the implementation and execution of

Neighborhood Lending Partner of North Florida lending program, which

includes serving as senior loan officer. Being an office of one person, I

spent 5-6 days on the road and the remaining days doing administrative

duties. Due to the negative effect on my family, in 2005, I took a position

as Business Development Manager for The Wild Group. There, I analyzed

financial information and management potential of existing businesses to

determine investment potential. Unfortunately, due to under capitalization,

the company went out of business. Therefore, in October of 2006, I accepted

a position as Business Development Officer for Essential Capital Finance,

Inc. (ECF). At ECF, we participated with banks to fund commercial real

estate loans. In 2007 the economy took a severe downturn and their

commercial lending, and I was laid off in 2008. Then, I took a part-time

position with a not-for-profit organization. Although the position was

financially challenging, it was personally rewarding. In 2010, I started a

commercial maintenance company; however revenues and accounts did build as

I had forecasted. Therefore, I accepted a position as a sales associate

with an automobile dealership. This has given me the opportunity to refocus

and sharpen my sales, negotiation, and business development skills.

I am excited about the rewarding personal and career growth your company

can provide as well as the experience and drive I can bring to your

organization. I would welcome the opportunity to discuss with you the

possibility of joining your team. I am very motivated and look forward to

talking with you soon, and thank you for your consideration.

Wade Hampton Owens

Email: abn2d0@r.postjobfree.com

Phone: 904-***-****

SUMMARY

. A seasoned business professional with more than 20 years of hands on

experience including business development/ sales, financial analysis,

financial management, evaluation of commercial real estate loans,

commercial loans, lines of credit, consumer lending and providing

technical assistance to business owners.

. Experienced SBA 7(a) and 504 lender and knowledgeable of SBA SOP.

. A dedicated and flexible team player with strong time management

skills, and excellent presentation and communication skills, both

written and verbal.

. Dual college degrees: a Bachelor of Arts in Business Management and a

Bachelor of Arts in Economics.

PROFESSIONAL EXPERIENCE

Sales Associate, Keith Pierson Toyota (2012-Present)

A Toyota dealership

. Consult with customers regarding the purchase of both new and used

quality automobiles.

. Complete paper work to finalize sale

. Deliver and discuss all features of customer's purchase

Owner, Northeast Florida Commercial Maintenance (2010-2012)

A commercial and residential maintenance and janitorial service company

. General cleaning of commercial and residential properties

. Debris removal

. Janitorial services

. Carpet cleaning

. Porter services

Part-time Financial Manager, Charity Missionary Children's Home (2008-2011)

A not for profit organization

. Responsible for budgeting and accounting activities.

. Assist in promoting mission of organization to help increase

charitable donations from public and private sectors.

. Organize mission trips

Business Development Officer, Essential Capital Finance, Inc. (2006-2008)

An SBA Certified Development Company

. Responsible for marketing the SBA 504 loan program and other loan

products to potential borrowers, third party lenders and other

referral sources.

. Obtain initial loan information, screens program eligibility, and

proposes financing structure to applicant and participating lenders.

. Maintain regular contact with applicants and participating lenders

throughout the loan process.

Business Development Manager, The Wild Group, Inc. (2005-2006)

A business incubator and investment group.

. Responsible for using business contacts in Jacksonville and Northeast

Florida to locate business prospects.

. Interact with business owners regarding financial information and

investment potential.

. Use wide variety of financial management calculations and analysis

techniques to determine company's value.

. Make presentations to investment group's Board of Directors regarding

potential clients.

Market President, Neighborhood Lending Partners of North Florida, Inc.

(2004-2005)

. Provided the general oversight and management for NLPNF's operations

which covered 42 North Florida counties.

. Responsible for the implementation and execution of NLPNF's lending

program, which includes serving as senior loan officer.

. Responsible for planning, marketing, business development and

outreach, reporting to the Board, Executive Committee and Loan

Committee.

. Coordination of activities managed by the parent company (Neighborhood

Lending Partners, Inc.) relative to the company's budgeting,

accounting, loan processing, secondary market sales, and loan

collection and servicing function.

Manager - Existing Small Business, Jacksonville Regional Chamber of

Commerce (2000-2004)

. Conduct extensive assessments of businesses and make recommendations

based on those assessments.

. Counsel small business owners on technical assistance needs.

. Assist in development and implementation of business plan to help

small business owner achieve long-term goals.

. Determine financial status of the business.

. Establish and maintain relationships with financial institutions.

Owner/Commercial Mortgage Broker, Pearl Mortgage Company (1999-2000)

. Work with small business owners and lenders to help structure and

negotiate "win/win" loan solutions.

. Performed extensive cold calling and actively seek new customers

through referrals, telemarketing, and focused database research.

Vice President/Financial Specialist, First Union National Bank of Florida

(1998-1999)

. Profitably manage consumer and small business loan portfolio through

sales of small business loans, deposit products, and investment

products.

. Evaluate real estate, approve consumer and commercial loans, and

establish lines of credit for consumers and small businesses.

Assistant Vice President/Business Banker, Barnett Bank of Jacksonville

(1991-1998)

. Initially selected by this prominent banking firm as a Management

Associate; rapidly promoted through positions of Commercial Credit

Analyst, Small Business Coordinator and to position of Assistant Vice

President/ Business Banker.

. As Commercial Credit Analyst (9/91-1/93), conducted extensive credit

analysis of existing and prospective clients; prepared definitive

reports for senior management to facilitate credit decision making.

Following promotion to Small Business Coordinator (2/93), selected to

develop a marketing plan to launch Barnett Bank of Jacksonville's new

sales initiative for small businesses.

. Promoted to position of Business Banker and made an Officer of he Bank

(11/93) with significant increase in responsibilities. Profitably

managed large portfolio of clients, working closely with clients to

anticipate financial needs, solve problems and develop investment

strategies; significant participation in negotiation of rates, fees,

and contract terms with both clients and the bank.

EDUCATION

Bachelor of Arts in Business Management, North Carolina State University

Bachelor of Arts in Economics, North Carolina State University

PAST VOLUNTEER ACTIVITIES

Board Chair for JEDC's JIA/ CRA, Jacksonville Economic Development

Commission's Jacksonville International Airport Community Redevelopment

Agency.

Board Chair for Wealth Watchers, Inc. CDC

Board Member of JEDCO, Jacksonville Economic Development Company and loan

Committee member.

Small Business Resource Network Community Development Committee member.

Jacksonville Human Rights Commission's Study Circles Steering Committee

member.

Vice Chair and Chair Elect of the Jacksonville Regional Chamber of

Commerce's internal Diversity Committee.

Jacksonville Regional Chamber of Commerce's external Diversity and

Inclusion Task Force member.

PROFESSIONAL TRAINING

Dale Carnegie Institute/ Sales Advantage

Small Business Relationship Building

Expanding Small Business Relationships

Contact this candidate