Management Sales
Resume:
Bobby Fox
Email: *********@********.***
Address: *** ********* **
City: Virginia Beach
State: VA
Zip: 23454
Country: USA
Phone: 281-***-****
Skill Level: Experienced
Salary Range: $80,000
Willing to Relocate
Primary Skills/Experience:
Formal Commercial Credit Underwriting Financial Sales & Marketing Operations Management Client Focus & Service Strategic & Business Planning
Educational Background:
Bachelors Degree, Business / Accounting
Virginia Wesleyan College, 08/1991 - 06/1994
Norfolk, VA
Job History / Details:
Bobby Fox
232 Dalebrook Drive
Virginia Beach, VA 23454
******@*****.***
COMMERCIAL BANKING & FINANCE PROFESSIONAL
Accomplished Senior Banking Executive recognized for building strong business relationships through excellence in client service and interpersonal skills; implemented profitable lending programs; superb corporate abilities; organizational management and strategic planning combined with complex research and analysis experience along with impeccable standards and business ethics. Seeking a respected organization that can utilize my knowledge and experience in a rewarding career role in a sales, operational, managerial, and/or servicing capacity.
AREAS OF EXPERTISE
Strategic & Business Planning
Processes & Standards
Commercial Credit Underwriting
Client Focus & Service Employee Management
Relationship Management
Research & Analysis
Risk Management Operations Management
Financial Sales & Marketing
Corporate Credit Officer
Mentoring, Training, Development
SELECTED CAREER HIGHLIGHTS
Successfully corroborate on achieving a $5 billion commercial loan goal for 2011 and $7 billion for 2012 without sacrificing portfolio quality
Exceeded 2010 Credit Union's Commercial Loan goal by 132.2% by April 30, 2010 and 211% by May 31, 2010, which included no delinquencies or sub-standard/special mention loans
Generated high quality commercial loans and deposits, specifically $92,000 in fees, $2.2 million in deposits and $17 million in new loans for the five months ending May 31, 2010
Provided leadership to 129 employees and direction to all operational, financial, lending, and personnel matters within the credit union
Spearheaded efforts to generate and underwrite diverse commercial loan requests for new and existing commercial clients with annual revenue that exceeded $10 million
CORE COMPETENCIES
Network within communities to find and attract new business
Establish and maintain relationships with individual and business customers, and provide assistance with problems these customers may encounter
Compile information about new accounts, format, submit and present financial information concisely and with clarity to various colleagues and 3rd parties
Analyze and classify risks and investments to determine their potential impacts on companies
Review, determine and negotiate primary sources of loan repayment, secondary sources of repayment, collateral, guarantors and /or guarantees, loan repayment terms and conditions, interest rates and fees
Examine, evaluate, and process loan applications
Prepare operational and risk reports for management analysis
Evaluate financial reporting systems, accounting and collection procedures, and investment activities and make recommendations for changes to procedures, operating systems, budgets, and other financial control functions
Manage sub-standard accounts and discuss delinquent accounts with co-workers, attorneys or outside agencies for collection
Establish guidelines for procedures and policies that comply with new and revised regulations and direct their implementation
Evaluate data pertaining to costs, budgets, return on equity and investments
Recommend actions to ensure compliance with laws and regulations, or to protect solvency of institutions
PROFESSIONAL EXPERIENCE
Senior Commercial Credit Officer JP Morgan Chase Bank 2011 - 2012
Notable Contributions:
Train, coach, mentor relationship managers and credit officers so they can achieve individual and team profitability goals.
Communicate effectively with team members, clients and senior management on portfolio and loan quality.
Remain flexible to change and actively listen to team members, clients and prospects.
Quickly assess and process business and personal financial information and determine proper structure, terms and feasibility for borrowers in a variety of industries such as manufacturing, contracting, medical, service, restaurant, retailers, wholesalers, commercial real estate, etc.
Discuss and negotiate rates, term and structure with team members, clients and prospects.
Commercial Lending Manager/Chief Operating Officer Resource One Credit Union 2009 - 2011
Notable Contributions:
Maintained full responsibility for underwriting, monitoring, and approving all new and existing commercial loans for a $330 million credit union.
Negotiated terms and conditions on all commercial loans.
Trained and coached the Business Development Officers and Executive Management Team on commercial lending.
Executive Vice President - Southeastern Region Credit Union Business Capital, LLC 2006 - 2009
Notable Contributions:
Originated and managed a $212 million commercial loan portfolio (consisting of commercial real-estate, C & I, and private banking loans) along with other ancillary products and services such as deposits, cash management, underwriting and loan monitoring.
Successful in establishing trust and rapport with numerous financial organizations to ensure exceptional communication flow, effective and efficient delivery of business services.
Vice President - Commercial Banking SouthTrust Bank (Purchased by Wachovia now Wells Fargo 2003 - 2006)
Notable Contributions:
Organized introductions and joint calling efforts with other departments such as Treasury Management, Foreign Exchange, Derivatives, etc.
Coached and mentored less experienced associates with their commercial banking skills.
Maintained accountability for a $252 million loan portfolio that was comprised of operating lines of credit, commercial term loans, construction lines of credit, and syndicated loans.
Assistant Vice President - Commercial Banking SunTrust Bank 1999 - 2003
Notable Contributions:
Successfully completed an intensive and formal commercial loan underwriting and sales program.
Cultivated positive and enduring relationships with a diverse clientele.
Reviewed and underwrote a variety of commercial loan requests for new and existing commercial clients with annual revenues exceeding $5 million.
Branch Manager - Household Finance 1990 - 1999 & Squad Leader - Infantry/Combat Operations U.S. ARMY 1988 - 1990
EDUCATION & TRAINING
Bachelor of Arts in Business Administration with a Concentration in Accounting 1994
Virginia Wesleyan College Norfolk, Virginia
GPA: 3.5 out of 4.0
Captain and #1 Seed - Men's Tennis Team 1991 - 1994
Personally Ranked #13 Nationally & Awarded All-American Status 1994
Inducted in Virginia Wesleyan College`s Hall of Fame 2010
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