Customer Service Sales

JOHN C. LIPPINCOTT

**** ** **** ******* ( Gainesville, Florida 32608

Home: 352-***-**** Cell: 352-***-**** ( ***************@***.***

BANK MANAGEMENT EXECUTIVE / SENIOR VICE PRESIDENT

Commercial Lender ( Commercial Manager

Dynamic, dedicated and entrepreneurial professional, with extensive hands-

on experience propelling corporate performance and profitability through

exceptional business development, sales techniques, team leadership and

innovative commercial loan structuring acumen. Creative problem solver and

critical thinker with superb time-management abilities and drive to exceed

expectations. Skilled in tracking meticulous detail in challenging tasks

despite demands of fast-paced and deadline-driven work environments. Strong

communication, interpersonal and collaborative teamwork skills. Exceptional

talent for forging and maintaining an array of invaluable client

relationships and business alliances to create competitive advantage.

Highly effective strategic planner and analyst, with excellent mastery of

financial technology tools. Results-oriented and focused decision-maker,

adept at handling priorities.

Core Competencies

Commercial & Industrial (C&I) Lending ( Commercial Real Estate (CRE)

Lending

Small Business Administration (SBA) Lending ( Loan Structuring (

Product/Service Development

Client Relationship Management ( Business Development ( Revenue Growth (

Underwriting

Sales & Cross-Selling ( Credit Analysis ( Due Diligence ( Policy/Regulatory

Compliance

Strategic Planning ( Communication ( Team Leadership & Training (

Collaborative Teamwork

Negotiation & Issue Resolution ( IT/Banking Technology ( Proposals &

Presentations

Partnership/Alliance Building ( Customer Service, Satisfaction & Retention

PROFESSIONAL EXPERIENCE

Florida Citizens Bank, Gainesville, FL. * 6/2013 to present

Vice President and Commercial Lender

Administer a $16,000,000 loan portfolio and a $7,000,000 deposit

relationship. Analyze and underwrite credit requests and renewals, monitor

delinquency and assist the bank with the restructuring of credits in my

portfolio that were subject to Federal Bank Examiners criticism prior to my

employment. Am the SBA resource person for both SBA 504 programs and 7-A

programs. Have produced over $2,000,000 in new loan production with over

$7,000,000 yet to close. Delinquencies went from over 2% to .25% . Fee

income has gone up 100%

MERCHANTS & SOUTHERN BANK, Gainesville, Florida ( 2008 to 2012

$350M bank primarily focused on commercial lending.

Vice President and Commercial Lender

Administered a loan portfolio of $27M and over $6M in deposits. Analyzed

loan documents for completeness and compliance with all relevant policies

and regulations. Drafted discussion sheets for loan committee review. Led

the bank's newly established SBA lending program. Created retail and

commercial prospect/calling lists through research and networking. Devised

innovative loan structuring strategies to enhance business growth. Forged

and maintained highly productive client/ colleague relationships and

delivered the highest level of customer service.

. Achieved a stellar record of zero delinquencies/document exceptions

throughout the 4-year period.

. Earned the award for the highest deposit amounts in one year, at $6M

in 2011.

. Participated as a key member of the bank's strategic planning

committee.

FLORIDA CAPITAL BANK, NA, Gainesville, Florida ( 2007 to 2008

Commercial and retail lending institution with approximately $700K in

assets.

Vice President and Commercial Lender

Managed a significant commercial loan portfolio while cross-selling deposit

products and residential mortgages. Reviewed/approved participation

agreements with partner banks. Developed individualized draw procedures for

construction loans. Secured new business relationships and worked in close

collaboration with the credit department and senior management to expedite

clients' loan approvals.

. Increased the commercial loan portfolio by $10M, with fee income of

$28K, in only 1 year.

. Designed an innovative cash budget template for determining the

adequacy of commercial/residential builders' and developers' cash

position.

SunTrust Bank, Gainesville/ Ocala, Florida, 2004 to 2007

One of the largest regional banks in the U.S., offering a full spectrum of

retail/commercial financial products and services.

First Vice President & Team Leader/North Central Florida CRE Regional

Manager

Oversaw all facets of commercial real estate lending in the region.

Trained, supervised and mentored a staff of 4. Held regular department

meetings to monitor sales performance and provide ongoing education to

ensure quality calling, enhance efficiency and furnish advice/strategies to

achieve/maintain zero delinquencies. Collaborated closely with the credit

department in compiling documentation to facilitate approval of new and

renewal loans. Assisted various departments in accomplishing cross sales

targets.

. Honored as 2006 lender of the year for the region.

. Spearheaded growth of the region's overall CRE portfolio to $88M.

. Accomplished the cross sale of one of the bank's largest-ever interest

rate swap contracts in the North Central Florida region.

. Delivered an exemplary record of zero delinquencies for the entire

employment period.

. Overcame stiff competition from 4 other banks, through a creative loan

structuring strategy, to land commitments for a $12M high-rise

condominium construction loan as well as the client's entire deposit

relationship of over $10M.

.

FIRST NATIONAL BANK & TRUST, Carmel, Indiana ( 2000 to 2004

Leading Indiana financial institution specializing in C&I and CRE lending.

Vice President and Commercial Lender

Originated and managed a range of real estate loans, involving land

development and residential/commercial construction. Reviewed closing

documents, conducted daily portfolio monitoring, tracked construction draws

and performed property inspections. Generated new business through

research, calling and networking.

. Grew the loan portfolio by $40M, realizing $212K in fees.

. Won the Best Maintained Loan Portfolio award, earned recognition as

the Trust Department's largest referral source and maintained a zero

delinquency record for the full 4 years.

Early Career (details on request):

Vice President and Commercial Real Estate Lender, Huntington National Bank,

Indianapolis, Indiana

EDUCATION / ADDITIONAL TRAINING

Bachelor of Science, Business Administration & Telecommunications

Ball State University, Muncie, Indiana

Diploma, General Banking Practices

The Graduate School of Banking, Madison, Wisconsin

Diploma, Commercial Lending

The National Commercial Lending School, Norman, Oklahoma

PROFESSIONAL AFFILIATIONS

Gainesville Chamber of Commerce

Builders Association of North Central Florida

Commercial Builders Council

Greater Alachua County Association of Realtors

Gainesville Area of Innovation

COMPUTER SKILLS

PC & Apple OS, Microsoft Office (Word, Excel, Outlook & PowerPoint),

GroupWise & ContactWise

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