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Social Media Manager

Rosedale, Maryland, United States
August 11, 2018

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Carla Nealy (US Citizen)

** ******** *****

Baltimore, MD 21236



**** ****** ** ******** **************

University of Baltimore – Robert G. Merrick School of Business

Baltimore, MD

1992 Bachelor of Science – Finance and Economics

Towson University

Towson, MD


Management, business development, financial analysis, underwriting, loan and lease negotiations, construction oversight, grant administration, loan work out, field examination and cash management.


2007-2017, 2000-2005

Baltimore, Maryland – a $250 million, community bank with seven branches located primarily in the Baltimore Metropolitan area. The organization provides commercial and personal banking services throughout its foot print including Maryland, the District of Columbia and northern Virginia. The bank partners with other institutions providing capital to small, medium and multi-national corporations around the country. The holding company administers grant proceeds and new markets tax credits for projects in the state of Maryland.

Risk Officer and Operating Officer



Provided oversight, direction and consultation to ensure the bank meets its lending and deposit goals and regulatory requirements as mandated by the FDIC (Federal Deposit Insurance Corporation), FRB (Federal Reserve Bank), State of Maryland and FHLB (Federal Home Loan Bank). Served as representative to outside regulatory and accreditation organizations. Provided expertise and leadership to the following areas of the institution: Credit underwriting, Loan Administration, Loan Operations, Wire Transfer, Branch Network, Facilities, Information Technology, Cyber Security, Electronic Banking and Social Media. As a member of Senior Staff, provided support and leadership to the remaining areas of the bank including Loan Production, Compliance and Marketing. Served on six internal bank committees – Senior Staff, Asset Liability, Risk (Chair), Information Technology, Compliance and Loan Officer’s Committee (Loan Approval Committee). In addition, served on two board level committees – Audit and Investments. Completion and monitoring of annual departmental budgets.


oProvided leadership to create a cohesive and focused management team

oImplemented the Bank’s Enterprise Risk Management System and Committee

oOverhauled Website and established Social Media Program

oNegotiated vendor and lease contracts

oPromoted six individuals under my leadership

oManaged departments within budget guidelines and Strategic Plan

Senior Vice President and Chief Credit Officer



Responsible for the credit quality of the bank’s $250 million loan portfolio. Oversight of loan underwriting (financial analysis, market research, economic conditions and industry outlook), loan documentation, compliance with regulatory rules, credit administration and construction oversight. Managed and restored foreclosure properties.


oAutomated lending process from internet application to loan system interface

oOverhauled Loan Policies and Procedures and updated annually

oReduced delinquency by modifying loan terms or liquidating collateral

Reduced delinquency from 16% to 1%

Reduced Other Real Estate Owned from $6,000,000 to $75,000

oSignificantly improved CAMELS ratings

oManaged foreclosed properties including $200,000 restoration project

oFrequently served as Chief Credit Officer and Senior Lender (Production)

oEmployee development as evidenced by the promotion of five individuals

Vice President and Commercial Lender

2007-2010, 2000-2005


Responsible for sales growth, deposit growth and fee income. Manage loan portfolio and deposit base. Manage portfolio delinquency. Analyze and underwrite credits and present loans to Board of Directors. Respond to regulatory exams and audits.


oMet lending and deposit goals by 100%-110%

oManaged loan portfolio with delinquency rate below 1%

oMaintained minimum loan documentation exceptions

oDeveloped a level of expertise in faith-based lending for the institution

oRunner-up for Employee of the Year

oActed as Chief Credit Officer in the absence of manager


BCL is a US Treasury certified nonprofit Community Development Financial Institution. Working in Baltimore City exclusively, BCL provides loan capital for real estate development. Borrowers include developers and individual investors, to nonprofits and community partners that transform and revitalize neighborhoods. BCL provides financing to develop affordable housing, community facilities and mixed used developments in Baltimore.

Director of Lending



Responsible for sales growth, credit quality and client retention. Managed the lending staff including single family, multi-family and commercial loans. Managed credit and underwriting process and construction oversight.

All projects included extensive construction and rehabilitation.


oRebuilt Loan Department (hired five employees out of seven)

oClosed first loan for the organization in three years

oImproved automation and computer skills of department

oOverhauled Loan Policies and Procedures


Purchased by Colombo Bank


Independence Federal Savings Bank offered mortgages, commercial, consumer, construction, and guaranteed student loans. The Bank also invested in corporate and government securities. IFSB served the greater Washington, DC metropolitan area, including suburban Maryland and Northern Virginia.

Vice President – Acting Chief Credit Officer


Responsible for the credit quality of the bank’s $200 million loan portfolio. Oversight of loan underwriting, loan documentation, compliance with regulatory rules and credit oversight.


oOverhauled Loan Policies and Procedures

oTrained lending staff to be more knowledgeable and efficient

THE HARBOR BANK OF MARYLAND (see first section)


Vice President and Commercial Lender



MABFC is a non-profit, community development lender financing commercial real estate (and long term equipment) for small businesses in Maryland and Delaware through the SBA 504 Loan program.

Marketing Manager


Provided marketing and training for the Maryland and Delaware SBA 504 program. Managed loan portfolio through the USDA/Rural Development Office. Managed microenterprise grants through the U.S. Department of Commerce.


oAccompanied president on Congressional visits for program funding

oMarketing Award for trade booth and most creative use of slogan

oHonorable Mention for New Markets and Microenterprise Initiatives



M&T Bank Corporation is a bank holding company headquartered in Buffalo, NY. It operates 800+ branches in New York, New Jersey, Pennsylvania, Maryland, Delaware, Virginia, West Virginia, Washington, D.C., and Connecticut.

Assistant Vice President and Small Business Lender



Responsible for sales growth, deposit growth and fee income. Managed loan portfolio and deposit base. Manage portfolio delinquency. Analyzed credits and completed underwriting for Loan Committee. Respond to regulatory exams.


oMet lending and deposit goals

oManaged loan portfolio with delinquency below 1%

Assistant VP/Assistant Department Manager and Field Examiner



Reviewed financial records, and examined all pledged collateral of asset based loan clients. Responsible for training, supervision, annual reviews, scheduling as well as completion and monitoring of annual departmental budget.


oCelebration Award recipient for Outstanding Work Performance

oExceeded Field Examination production goals with 90+ efficiency ratio

oDeveloped departmental training manual

Operations – Cash Management, Wire Transfer and Asset Based Lending



Process customer deposits, notify clients of incoming wires, and verify accounts.


o1983-1984-Monthly and Quarterly Top Performer in Cash Management


MIDFA (Maryland Industrial and Development Financing Authority)

2014-present – Gubernatorial Appointment

5th Federal Reserve District Bank - Payments Advisory Council

2016-2017 – Advisory Board Member


Beta Gamma Sigma - academic honor society

Towson University – College of Business and Economics

2016-present – Advisory Board Member

AIRS (AIDS Interfaith Residential Services)/Empire Homes of Baltimore

2006-present – Corporate Secretary and Treasurer, Chairman of Finance

Urban Financial Services Coalition, Inc. (UFSC)


2001-02- Parliamentarian, National Board of Directors

2000- Eastern Region Representative, National Board of Directors

Baltimore Washington Conference of the United Methodist Church

2004-2012 - Member of Council on Finance and Administration &

Regional Foundation with assets of $100,000,000+



2017- Baltimore Executive Management Award

Honorary Member of Beta Gamma Sigma - 2017

Baltimore Business Journal

2016- CFO Award - Best in Finance

The Daily Record

2016-Maryland’s Top 100 Women


2000-National Runner Up for Outstanding Member Award

1997-Chapter Recipient of Jereleigh Archer Award for Outstanding Service


Collaborated with the Office of Congressman Elijah Cummings and the Maryland Bankers Association to create a National Faith Based Lending Guide to present to various leaders throughout the state of Maryland at the Federal Reserve Bank of Richmond, Baltimore Branch

Panelist for How to Make it to the “C” Suite at the National Conference of Urban Financial Services Coalition

Panelist for Women in Business & Leadership at Towson University, College of Business and Economics

Moderator for Economic Outlook of Baltimore from the CEO Chair at the Regional Conference of Urban Financial Services Coalition

Panelist for Small Business Fund in conjunction with the State of Maryland Casino Fund held in key areas of the state – Baltimore, Prince George’s, Charles and Anne Arundel counties

Keynote speaker for inductees of Beta Gamma Sigma on Leadership and Diversity, Towson University

Keynote speaker on Setting Goals to Prepare for the Future for the senior class at Western High School, Baltimore, Maryland

Keynote speaker for the Academy of Finance citywide program for college bound students at Towson University College Day

Various speaking engagements on small business lending and financial literacy at Colleges & High Schools, Professional Associations and Community Organizations

Guest lecturer at Towson University – Process Management, Banking & Financial Institutions, and the Capstone class on The Seven Habits of Highly Successful People.


Available upon request

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