Sales Customer Service

Spencer J. Ash *** Cottage Crossing • O’Fallon, MO 63366

HOME 636-***-**** • CELLULAR 636-***-****

Product Sales & Marketing • Account Management • Negotiations • Influential Selling

Presentation & Communications • Public Relations • Customer Service

Dynamic and results-driven sales professional with nearly eight years of comprehensive sales and marketing

experience. Proven sales talent to cultivate strategic relationships, increase customer base, and maximize account

sales. Persistence in achieving goals that leads to professional success while building corporate values. Business

and computer system-literate and willing to travel.

Qualification highlights include:

• Highly skilled in communicating effectively with small to medium sized businesses, marketers, peers, and

management.

• Proven ability to meet targeted goals, build professional relationships with a diverse customer base,

maximize sales opportunities, and present a professional sales image.

• Excellent business-to-business sales skills and talents, with comprehensive knowledge in brand imaging

and product presentations, pricing, and promotions.

• Strong leadership, organizational, time management, and mentoring skills.

• BA Degree – Finance

Professional Employment

Alliance Credit Union

Headquarters-Fenton, MO, 7/2007 – Present

Business Lending Manager

Manage and direct sales of diverse loan products for the entire Credit Union and managed the fourth largest Credit

Union Commercial Loan portfolio in the state by myself. Introduce new products, attain and expand new and

existing business, educate staff on policy and procedures and perform monthly/quarterly sales forecasting. Consult

with key decision makers, routinely follow up with clients, and provide excellent customer service.

Notable Achievements

Achieved product sales exceeding $11MM within 16 months of hire: Conducted due –diligence research of

marketplace, determined needs of target audience, provided loan staff with weekly training, and presented overall

product value and benefits to prospective clients.

Landed first ever treasury management account to Stiern Laser, Local Graphic Imaging Business: Developed

sound and trusting business relationship with the principal owner and other top level executives and became a part

of their professional network, gained support from top level executives and presented the product to top decision

makers.

Increased deposit balances by over $2MM dollars within 12 months of hire, representing an increase of business

accounts of nearly 50%. Developed strategic promotional campaigns for existing clients, strengthened business

relationships to the point businesses were willing to bring their whole banking relationship with them.

Special Recognition

• Exceeded loan growth goal by $6MM in first year

• Exceptional Sales Performance-Almost 200% of Quota, 2008

• Exceptional Sales Performance-110% of Quota, 2007

Spencer J. Ash 516 Cottage Crossing • O’Fallon, MO 63366

Heartland Bank

Clayton, MO, 8/2005 – 7/2007

Commercial Loan Underwriter (8/2005 – 8/2006)

Commercial Loan Officer (8/2006 – 7/2007)

Underwriting of a variety of commercial loans from Real Estate to C&I, and with loan originations ranging from

$150M to $5MM. Writing of loan proposals that go to loan committee for review. Collateral & Mortgage loan QC

audit experience. Presents audit findings to management and discusses exceptions, and provides suggested

recommendations for corrective action.

Notable Achievements

Recognized for my ability to sell bank products and promoted to Commercial Loan Officer within 12 months of hire,

as a commercial loan officer I landed a three million dollar warehoused Line of Credit by using a previous business

relationship I had developed from a prior job.

Career Development

• Ability to comprehend and analyze large Real Estate Acquisition Transactions.

• Ability to Underwrite and draft loan memorandums for complex C&I deals.

• Had a loan authority of $50K.

• Attended multiple training seminars at the Center for Financial Training in St. Louis, MO.

Chesterfield Financial Corporation

Chesterfield, MO, 5-2002-8/2005

Credit Analyst

Examine credit files for completeness and timeliness of information, noting exceptions for correction. Review,

analyze and interpret confidential accounting, financial and statistical data. Analyze financial statements in order to

evaluate credit quality and portfolio risk.

Assist Senior Credit Analyst with his daily duties, which include trade and bank references and reviewing credit.

This was an internship that changed to a permanent position while I was attending college.

US NAVY

Virginia Beach, Virginia, 2/1998-1/2002

Seabee, Construction Electrician

Ensured security of premises by maintaining armed position. Provided Company Commander weekly reports of

equipment inspections. Operated heavy equipment for building piers and bridges. Cross-rated to Electrician’s Mate

during last year of service.

Notable Achievements

• Earned a NAVY Commendation Medal as well as Good Conduct Medal and Expert Rifleman.

• Helped recover Egyptian Air Flight 990 in the north Atlantic.

• Was a part of the world’s largest elevated causeway system operation a joint forces operation with Korea.

Education

Lindenwood University

BA-Finance with a heavy emphasis in Economics

References Available Upon Request

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