MICHAEL P. McCULLOUGH

***** ********* *****, ********, ** 91354

661-***-****, accfzj@r.postjobfree.com

COMMERCIAL BANKER

Commercial Lending Small Business Financing Branch Management

Business Development Relationship-Building Account Retention Team

Leadership

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.

KEY ACCOMPLISHMENTS

. Successfully contributed to business development by using proactive

prospecting techniques to generate new loan business and new business

accounts.

. 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

year.

PROFESSIONAL EXPERIENCE

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

tactics.

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

corporate objectives.

Cultivates business development through outside calling and

prospecting.

Oversees and administers branch human resources.

PROFESSIONAL EXPERIENCE

-Continued-

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

candidates.

California Bank & Trust (formerly Antelope Valley Bank), Lancaster, CA

(1981-2006)

Senior Vice President/Commercial Lending

. Actively consulted with clients to define and address their specific

needs, providing effective presentations, and steering persuasive

negotiations.

. 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.

AFFILIATIONS

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

School District

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