William E. Townsend

***** **** ** **** **** Berlin, MD 21811 443-***-**** ad34zn@r.postjobfree.com

Objective

·Continuing to build my financial career

Professional Summary

I am a successful commercial banker with investment experience bringing a problem solving perspective to my clients and prospects. I managed one of the largest portfolios in my market by listening and providing needed products to companies, while maintaining the requirements of the Bank. My investment background provides me with the knowledge to understand and sell derivative products to help bolster profitability while making clients comfortable with interest rate challenges. Through my personalized approach to the business, I have been able to move a large client from split relationships to consolidating all loans and services with me at the bank.

Skills and Abilities

MANAGEMENT

·Experience managing multiple clients and two assistants in my office

SALES

·I have spent the last 35 years as an Investment Broker, Commercial Banker, and Investment Advisor, giving me in-depth knowledge of financial and investment products and services.

·I have had significant success, growing and managing one of the largest commercial portfolios on the Eastern Shore.

·I significantly grew my financial business by providing a consultative approach to my prospects and clients, and provided significant client service to strengthen the bonds with each prospect and client. I also improved client relations by utilizing business partners and their expertise in areas that were out of my direct job description.

·I have always maintained the ability to change and react with the regulatory changes that have affected the financial world particularly during the past 13 years

COMMUNICATION

·I am a friendly and frank person willing to give people real feedback while not being offensive.

LEADERSHIP

·Current Treasurer of OC/Berlin Optimist Club

·Past President and Treasurer of Wicomico Rotary

·Past President and Board member of The March of Dimes of the Eastern Shore

·Past President of Junior Achievement of the Eastern Shore

·Past Treasurer and current Secretary of Salisbury Wicomico Economic Development

·Former Girls Lacrosse coach for Salisbury Lacrosse Club

Education

BA-ECONONICS 1987 UNIVERSITY OF MARYLAND

·Major: Economics

·Minor: Business

·Related coursework: Formerly a NASD Series 7 and 66 registered advisor as well as a licensed insurance agent in the States of Maryland and Delaware and Virginia.

Experience

BUSINESS DEVELOPMENT OFFICER-VP [Bank of Delmarva [ NOV 2021-Present

Joined the Bank of Delmarva team as a commercial business development officer, managing and developing relationships throughout the Lower Eastern Shore. Annual business development of $10MM in outstanding annually

BUSINESS BANKING OFFICER-VP [ Provident State Bank [OCT 2019-OCT 2021

Joined Provident State Bank to help them grow their business in the Lower Eastern Shore/Salisbury, MD. During the Pandemic period, I brought Ina number of new clients through the SBA program being offered to help businesses.

FINANCIAL ADVISOR PNC APRIL, 2017-SEPT 2019

·Recruited by PNC to support 4 branches in DE and MD as the financial advisor developing new business with PNC clients, supporting current clients, and recruiting new clients and meeting their financial needs.

FINANCIAL ADVISOR VOYA FINANCIAL APRIL, 2017-DECEMBER. 2017

·Recruited by Voya to help run the Delaware Defer program at the State of Delaware, working with DE employees for their deferred plans and as well as individual products that may be needed outside the DE plan.

·Developing new business in Stocks, Bonds, Mutual funds, and insurance business.

FINANCIAL ADVISOR EDWARD JONES JANUARY, 2015-MARCH, 2017

·Working as a personal financial advisor providing retirement, personal stocks, bonds and mutual funds, insurance, long term care, business retirement plans, etc…

·My largest accomplishment was bringing in a 2.5 million dollar 401K plan with annual contributions of about $100,000.

·I have also been out meeting people on the street and made them my clients and friends

MIDDLE MARKET COMMERCIAL LOAN OFFICER-SVP BB&T AUGUST, 2013-DECEMBER, 2014

·I was recruited by BB&T as an SVP to help jump start their commercial loan efforts. I was successful even given their relative unwillingness to participate in this market. I was able to complete and number of deals, the largest being a $12 million refinance.

·Due to downsizing at the Bank, I moved to Edward Jones.

MIDDLE MARKET COMMERCIAL LOAN OFFICER-VP M&T BANK SEPTEMBER,1996-AUGUST, 2013

·Worked as a Middle Market loan officer managing and growing a to one of the largest middle market loan portfolios on the Eastern Shore.

·I was made a Vice President and was able to take a client who used only a portion of our services into a client who solely used M&T and became one of the largest clients in the region.

MIDDLE MARKET COMMERCIAL LOAN OFFICER-AVP BANK OF AMERICA MARCH, 1989-SEPTEMBER,1996

·Worked as a Middle Market loan officer managing and growing a moderate loan portfolio and becoming an Assistant Vice President

INVESTMENT BROKER WHEAT FIRST SECURITIES SEPTEMBER, 1987-MARCH, 1989

·Became an Investment Broker with Wheat First straight from College.

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