**** ***** ***** ** **** *** (Bradenton, Florida ( 34203

941-***-**** ( acboqa@r.postjobfree.com

RayMOND Shasho

Summary of qualifications

. 13 + Years of Lending Experience, Certified Commercial and Retail

Lender, Certified Mortgage Lender, Experienced C&I and CRE

Underwriting, Highly Developed Analytical and Underwriting Expertise,

Credit Quality Focus, Experienced SBA 7(a) and 504 program Lender,

Experienced Portfolio Manager, Loan portfolio Administration and

Product Sales, Experienced in Business Development, Outside Sales,

Sales Management, Managed over 50-Associates, Relationship management

skills for key Commercial, Small Business and Personal Relationships,

Risk Management and Credit Monitoring Skills, Strong Community

Leadership Experience.

. 17+ Years Experience Owner and Operator of Several Start-Up

Businesses, Experienced Merchandiser, Inventory Control Specialist,

Purchasing and Vendor Relationship Expert, Experienced Generating

Budgets, P&L, Income and Balance Sheet Reporting, Payroll, Experienced

in Franchise Development, Real Estate Site Selection, Experience in

all aspects of Sales and Marketing.

. 5+ Years Experience in Radio and Television Production, Radio-

Television Broadcast Major, Experienced Radio Announcer, Experienced

in Operating a Control Board, Top-40, MOR and News format Radio

(Accomplished First, Second and Third Class FCC licenses).

. 3+ Years Experience Writer//Columnist/Researcher/Published Author

. 2-15 Life, Health and Annuities License

Employment

Job Title: Banking Industry Consultant

Company Name: Coleman Research Group

Location: Teleconferencing globally

Start Date- End Date: December 2008-Present

Job Description: An expert network service that connects institutions with

industry experts through telephone consultations, in-person meetings, and

roundtable discussions to facilitate primary research. Clients include

Citicorp, Factoring companies, International banks and Private lenders.

Job Title: Retail Sales Consultant

Company Name: Radio Shack (Tandy Corp)

Location: Sarasota, Florida

Start Date - February 2012- September 2012

Job Description

.Serving and selling retail electronics to multiple customers. Creating

opportunities and selling new activations for multiple carrier wireless

phones including AT&T, Verizon, Sprint, Virgin Mobile, Boost Mobile and

Net10.

.Offering customers cutting-edge solutions in a friendly, confident and

knowledgeable manner

.Execution of non-negotiable standards of store operation including

stocking, merchandising, etc.

Job Title: Sales Manager

Company Name: Cutting Edge Electronics

Location: Miami, Florida

Start Date- End Date: January 2009 -January 2012

Job Description Handled the day to day operations for a successful retail

electronics business, including marketing, advertising, promotions, vendor

negotiations, purchasing, hiring & training an aggressive sales staff.

Job Title: BSO III, Commercial Lender, Vice President

Company Name: Branch Banking & Trust, BB&T

Location: Sarasota, Florida (Covering- Sarasota, Bradenton, Venice, North

Port)

Start Date- End Date: May 18th 2007-December 2008

(Rehired in Florida Market)

Job Title: Business Banker III, Business Specialist/Commercial Relationship

Manager/ Assistant Vice President

Location: Waldorf, Maryland (Covering-Charles, Calvert & St. Mary's

Counties)

Start Date- End Date: June 1999-June 2002

Job Description: Handled loan requests from $500,000 up to a total credit

relationship of$100 million and an average loan size of $5-million dollars.

Underwrite C&I and CRE requests. Underwrites complete loan packages

including write-ups, financial spreads and pricing.

* Managed a portfolio of over 100-million dollars and 75 commercial

clients. Outside- sales producer and development leader of over 80-

million dollars of new business.

* Finished- 4th out of 24 Commercial lenders in the region for the 2nd

quarter 2008.Finished- 3rd out of 24 Commercial lenders in the region for

the 4th quarter 2008. Rated Number #1 in bringing in new commercial

deposits for the region 2nd and 3rd quarter 2008.

* Top referring Commercial lender in referring Business to Insurance and

Private banking groups.

* Initiated and closed the first -Capital Access Program Loan for the state

of Maryland.

* Top 10- Business Banker for generating commercial loans for the months of

Nov-2001 thru Jan- 2002 for the entire BB&T Banking system.

* The Number #1 Business Banker in generating the most Commercial loan

volume for 2001 in Baltimore-region.

* Member of 14th street CRA -Advisory Board

* Board member for the Manatee Players Theater

* Active member of Manatee and Sarasota Chamber of Commerce and EDC

* Active Member of Manatee Young Professionals

* Active participant for United Way and Sarasota Boys and Girls Club

Job Title: Business Banker III, Outside Development Manager, Vice President

Company Name: SunTrust Bank

Location: Bradenton, Florida (Covering all of Bradenton)

Start Date- End Date: August 26th 2006-May 18th 2007

Job Description: Handles loan requests from $500,000 to $5,000,000.

* Only Business Banker to generate outside sales opportunities to 13-

branch locations in Manatee County including Sam's Club and two Wal-Mart

stores.

* Overseeing and educating 13- branch managers and their staff in helping

to meet their commercial banking loan goals and teaching the fundamentals

of commercial lending.

* Top referring- Business Banker-SBA leader

Job Title: Outside Mortgage Loan Originator

Company Name: Fifth Third Bank

Location: Lakewood Ranch office, Sarasota/Bradenton Florida (Covering the

state of Florida) Start Date- End Date: May 9th 2005-August 25th 2006

Job Description: Building mortgage lending relationships, Portfolio

management and Cross Sale opportunities.

* Won third quarter Managers Choice Award for Sarasota/Bradenton Mortgage

team.

* Finished 29th out of 570 Mortgage Loan Originators in the entire banking

system for loan volume in 2005.

* Created 40-million dollar portfolio of Mortgage- retail clients.

* Personally requested by Wagner Realty to be the preferred lender of

choice on their Condo conversion projects and desk rental agreements.

Developed a strong portfolio of clients from Wagner referrals.

* Personally requested by Florida Land Partners to be their Lender of

choice. Developed a strong portfolio of clients from Florida Land Partner

referrals.

* Developed a huge referral- personal and business relationship with

Southeast American Financial Group of Fort Lauderdale.

* Top Cross selling MLO, bringing new clients with large deposits to the

Private Banking Group and referrals to the Commercial Group.

* Member of the Sarasota and Manatee Board of Realtors

* Member of the Sarasota and Bradenton Chamber of Commerce.

* Member of the LWR Business Alliance

Job Title: Consumer and Commercial Sales Associate

Company Name: Cingular Wireless/AT&T

Location: 5398 Fruitville Rd, Sarasota, Florida

Start Date- End Date March 2004-May 2005

Job Description: Sales and Service for Cingular Wireless customers

including new activations (contracts) and upgrades (contract Extensions).

Also servicing existing customers with over the counter warranty and

insurance programs.

* The number #1 sales associate in selling new contracts and number of

units sold.

* The number #1 sales associate in cross sale- feature's

* The number #1 sales associate for new commercial contracts

* Broke the selling record of new contracts and units sold in a thirty -day

period.

Job Title: Business Banker/Premier Banker/Vice President

Company Name: Bank of America

Location: Waldorf, Maryland (Covering) Charles, Prince Georges and Anne

Arundel Counties

Start Date- End Date June 2002 -May 2003

(Rehired)

Job Title: Banking Center Manager III/ Consumer Bank and Loan Officer

Company Name: Nations Bank/Bank of America

Location: Forestville, Maryland

Start Date- End Date: March 1996 -June 1999

Job Description: Underwriting loan requests for commercial clients up to 5-

million dollars.

* Generating- cross sales, deposits, loans, investment and fee based

services to business customers, including personal services to business

owners, based on customer needs. Portfolio management.

* B of A strategically selected me to run a new Commercial/Premier Banking

Center covering three major counties.

* Top Commercial Lender on the team to generate over 20 million in new

business loans for a Rookie.

* Top cross- selling generator of new deposits over $150,000.

* Top SBA lender.

* Cross- selling leader of Treasury Management, Leasing and Payroll service

products.

* Managed and increased revenues to Portfolio's of large dollar account

holders including professional athletes and high profile officials.

* Successfully lead a Banking Center staff of 25- associates in hitting

sales and operational goals in challenged market place by aggressive and

persistent marketing and sales techniques.

* Number #1 Sales Leader of all Banking Center Managers in the region in

total loan volume for the entire year.

* Number #1 in Insurance sales.

* Won the 1999 Customer's Experience Leadership Award and Relationship

Individual Achievement Award.

Additional Employment more than 10-years ago:

* Company Name: Dry Clean U.S.A./Spot out cleaners, Inc.

Prince Frederick Md. -March 1991- 96 Franchisee- Business Owner and

operator

* Company Name: Sight and Sound Electronics, Inc.

1331 Penn Ave. Washington DC. October 1984-January 1991 Owner and President

* Company Name: World Wide Electronics, Inc. 1341 F Street NW, Washington,

DC October 1979-September 1984 Partner, General Manager

* Company Name: WNAV Annapolis, Md. 1979-1980 Radio Announcer 1978-1979

WSEB.

Education

Licensed, Health, Life, and Annuities agent. (Florida Dept. of Financial

Services)

BB&T- Commercial Real Estate training St Pete, Fl

SunTrust Bank- Commercial Loans to Small Business (Omega) training Orlando,

Fl

Business to Business Core I & II training Orlando, Fl

Fifth Third Bank-Alt A product training, Construction lending for sales and

support Sarasota, Fl

Fannie Mae desktop underwriter on the web Sarasota, Fl, Underwriting the

self employed

Mortgage compliance 2005 Sarasota, Fl, Fundamentals of Mortgage Banking Ft

Myers, Fl

Cingular Wireless-Cingular Wireless Sales Training (4days) Tampa, Florida

Cingular Wireless GSM Training Bradenton, Florida

BB&T- BB&T, Winston, Salem NC, SBB Lender Acclimation Training, Business

Lending Accounting, Business Loan Decision Strategy (Omega training

modules)

BB&T Basics of Financial Accounting, Introduction to Government Contracts,

BB&T Quality Control Management, Completion of formal commercial credit

training.

Baldus Real Estate Institute-Real Estate Baldus Institute, Waldorf, Md,

completed 60 clock hour courses, Real Estate Principals and Practice.

Nations Bank/Bank of America- (MAPS), Managerial & Banking Training

Program, Nations Bank, Baltimore Md. 8- month program.

Dry Clean U.S.A Franchisee training program, Ft Lauderdale Fla. Sales,

operations, EPA compliance

Graduated from Brown College (CBS) Ft. Lauderdale, Fl /Minneapolis, MN main

campus. Radio/TV Broadcasting/Communications - Achieved a 2-year Associates

degree.

Graduated from Crossland Sr. High School, Temple Hills Md. Achieved High

School- Diploma.

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