Manager Sales

Judy Ballast

Email: *********@********.***

Address: **** ********** **

City: Richardson

State: TX

Zip: 75082

Country: USA

Phone: 469-***-****

Skill Level: Director

Salary Range: $85,000

Primary Skills/Experience:

See Resume

Educational Background:

See Resume

Job History / Details:

JUDY BALLAST

Dallas-Ft. Worth, TX

Home - 972-***-****

Cell - 469-***-****

http://www.linkedin.com/in/judyballast

*********@********.***

VICE PRESIDENT / CREDIT SUPPORT SERVICES

Results oriented financial services leader with extensive business banking credit & loan documentation experience. Excels at portfolio management, collaboration, communication, analytic analysis, credit evaluation, loan documentation, organization, relationship development, teamwork, process and timeline management. Licenses: Group 1, Series 6, 63 and 7 (inactive)

TECHNICAL SKILLS

Outlook, Excel, Windows, Word, Citrix, CRRP, ACBS, SHAW & numerous proprietary web-based programs designed for credit risk scoring, loan servicing, deposit servicing, financing & related applications.

PROFESSIONAL EXPERIENCE

Capital One, Frisco, TX 2000 to 2012

Vice President-Senior Manager

Texas Market Portfolio Manager, National Renewal Team (2010 to October, 2012)

Managed process from initiation to booked renewals for business banking equipment, working capital, real estate and Letters of Credit for state of Texas. One of five market portfolio managers in national footprint.

* Completed renewals for average of 15 loans/month and $10-15 million volume/month.

* Collaborated with bankers and customers to obtain required financials, discuss & review financial performance and recommend rate, fees, term & structure for renewals

* Complex credit review of historical financial performance and compliance with loan covenants

* Based upon credit quality decline, recommended potential credit downgrades to underwriting & portfolio management to more closely manage and mitigate loss to Capital One.

* Coordinate loan documentation for all closings, including review and approval of loan documents

Business Banker (2005 - 2010)

Developed new business client portfolio, growing and deepening client relationships, including acquisition of deposits, real estate & equipment loans, operating lines of credit and cross-sell of Treasury Management Services, Merchant Services and personal deposit, mortgage & loan relationships.

* Acquired new clients & developed portfolio from zero to one of the largest in business banking nationally representing $22M in loans,$19M in deposits, product cross-sell of 6.5, generating $1M+ in annual revenue.

* Consistently ranked in top 10-25% of peers

* Exceeded production goals each year

* Highest product per relationship in entire national business banking footprint (6.5 products per customer)

* Consistently achieved highest ranking in credit quality, consisting of delinquency tracking, past due financial information and credit downgrades

* Partnered with other bankers to coach business results & assist with credit requests

* Partnered with treasury management and merchant services to cross-sell, deepen relationships & improve products per client

* Partnered with account administrator for client servicing, accurate loan documents, maturing loans, financial reporting and credit delinquencies

Judy Ballast page 2

Chase Bank of Texas, Dallas, TX 1992 - 2005

Vice President (1993 to 2005)

Small Business Relationship Manager (2000 - 2005)

* Completed 7-month credit training program

* Managed $70 million portfolio of approximately 380 clients

* Consistently met/exceeded goals of retention, attrition, portfolio growth, profitability and product cross-sell

* Partner with branch staff as Small Business coach to ensure all Small Business clients received consistent level of service and appropriate products to control retention of unmanaged business clients

* Partnership with Direct Sales Officer for acquiring new client relationships resulted in consistent portfolio and new client acquisition & branch revenue success

* Top 10% SBRM ranking in company

Branch Manager (1997 - 2000)

* Opened de novo branch location in Carrollton

* Established business plan to achieve branch performance

* Led team to achieve/exceed branch goals in revenue, sales, customer retention and customer satisfaction; team & individual incentive awarded 6/99 for goal attainment

* Called & prospected to develop business portfolio growth

New Accounts/Sales Manager (1993 - 1997)

* Improved sales results at two branches (loans, deposits & referrals)

allowing staff to be regularly recognized for performance and improved rankings

* Managed branch platform sales/referral process through coaching, counseling and motivating

* Conducted/planned/managed daily sales meetings for all branch staff

* Leadership demonstrated by achieving personal sales objectives

Operations Manager (1992 - 1993)

* While under FDIC receivership and subsequent purchase by Texas Commerce Bank (Chase), worked at New First City Valley View, Colleyville & Fort Worth locations, ensuring knowledge and use of new operational/technical procedures

* Provided management continuity during time of uncertainty & transition

* Coached, counseled and evaluated staff during transition

Vice President - First City Bank (1982 - 1992)

* Related Experience: Branch Manager, Operations Manager, Sales Manager, Marketing Officer, Commercial Loan Assistant

EDUCATION / PROFESSIONAL DEVELOPMENT

Commercial Risk Rating Assessment

Omega Business Lending Fundamentals

ACBS Loan Servicing

Sales and Relationship Management for Business

SRM Sales Tracking

Formal Credit Training

Completed approximately 40 hours: Western Michigan University, Grand Valley State College,

Davenport College, Richland College

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