MICHAEL P. McCULLOUGH
Commercial Lending Small Business Financing Branch Management
Business Development Relationship-Building Account Retention Team
Accomplished professional with comprehensive background in sales, lending
and credit in commercial lending and private banking. Continuously builds
key relationships and establishes an extensive network in the local
business community. Excels at interacting with broad populations, including
senior-level executives, business owners, entrepreneurs, professionals, and
investors. Highly versatile; quickly masters new roles, responsibilities,
technologies, and environments.
. Successfully contributed to business development by using proactive
prospecting techniques to generate new loan business and new business
. Built and established key relationships and structured targeted
initiatives to expand network within the local business community.
. Consistently achieved high retention rate of profitable relationships,
and maintained portfolio size and customer base.
. Maintained a very low loan loss ratio in a deteriorating economic climate
through aggressive management of delinquent loans.
. Developed and managed a commercial loan portfolio and increased it in
accordance with established annual goals.
. Maintained an annual charge-off ratio of less than .50%.
. Boosted retail branch deposits by approximately 18% in less than one
Silvergate Bank, Lancaster, CA (2010-2013)
Vice President & Branch Manager
Plans, implements and manages the operations of a $75MM branch to
maximize unit profitability.
Inspires balance between sales and operations for maximum efficiency.
Develops and manages an annual business plan with specific goals and
Devises a quarterly market plan analyzing local market data to
maximize targeted sales results.
Fosters an environment of managing client relationships to maximize
sale of bank products.
Ensures that the sales and service team efforts support the overall
Cultivates business development through outside calling and
Oversees and administers branch human resources.
Union Bank, N.A., Santa Clarita, CA (2008-2009)
Vice President & Branch Manager
. Contributed dynamic leadership skills toward managing, mentoring, and
motivating 10 staff members, playing an instrumental role in their
development and top performance.
. Played instrumental role in controlling quality and meeting goals by
actively supporting senior management in defining and implementing the
business development plan and managing the business production
process, with strong focus on optimizing productivity and performance.
. Apply sharp business acumen toward designing and developing targeted
strategies to incentivize new business bookings and expand market
share, growing total deposits by approximately 20%.
. Successfully built top-performing personnel vital to supporting
enterprise-wide operations by strategically
recruiting and effectively interviewing, screening and testing
California Bank & Trust (formerly Antelope Valley Bank), Lancaster, CA
Senior Vice President/Commercial Lending
. Actively consulted with clients to define and address their specific
needs, providing effective presentations, and steering persuasive
. Collaboratively worked with branch managers to visit branch clients
and new clients to explore commercial banking opportunities.
. Maintained full accountability for approximately $60MM portfolio of
credits of various types, primarily to physicians, health care
professionals, dentists, attorneys and other professionals, as well as
small retail businesses and manufacturing operations.
. These credits included C & I and CRE loans, L/Cs, construction and
"mini-perm" commercial mortgages for both owner-occupied and investor
commercial and industrial projects and SBA 7(a) and 504 loans.
. Demonstrated advanced communication and interpersonal relation skills
toward retaining and strengthening banking relationships.
. Ensured delivery of superior customer service by promptly addressing
inquiries and troubleshooting problems.
. Spearheaded documentation, servicing, and collection of portfolio, as
well as work-outs and business liquidations.
EDUCATION / PROFESSIONAL TRAINING
Business Administration - Antelope Valley College, Lancaster, CA
Bank Management Graduate - American Bankers Association Stonier Graduate
School of Banking, at Georgetown University, Washington, DC
Commercial Lending/Banking Graduate - ABA School of Commercial Lending, at
Oklahoma University, Norman, OK
Cash Flow and Commercial Credit Underwriting Certification- California Bank
& Trust; 2-year program, specifically designed for middle-market borrowers
with over $10MM in annual sales.
Past President and Treasurer/Board Member - Lancaster Chamber of Commerce
Past President - Lancaster Kiwanis Club
Member - Lancaster Elks Lodge
Past Member - Community Advisory Board of Lancaster Community Hospital
Past Board Member - Antelope Valley Sheriffs Boosters Association
Past Member - Financial Advisory Committee, Antelope Valley Union High