**** **** ***** *****, ************, KY ***** 270-***-****

ad37qt@r.postjobfree.com

John W. Perdue

Summary

Sharp banking professional whose talents shine in a competitive, innovative and creative environment.

Track record of increasing sales, improving client retention, outstanding recruiting and developing and growing customer base.

Senior Manager for over 2 years overseeing 10 branches and 60 employees

Branch Manager offering 22 years in human resources and recruiting.

Expertise in interviewing and coaching.

Highly driven to achieve company goals.

35 Years of strong inside and outside sales experience

8 years of commercial lending only, but 20 years of commercial lending as a part of product management

Professional Experience

Vice President/Commercial Lending - First United Bank and Trust, Madisonville, KY May 2017– Present

Manage, maintain and increase a $21 million dollar commercial loan portfolio.

Manage the entire delinquency process including leading foreclosures, oreo properties, repossessions, lead weekly meetings with all lenders, updating reports for the board of directors and keeping all lenders and senior management up to date of month end delinquency numbers.

Voting member of the senior loan committee, that presents loans to this committee, the risk committee and board of directors as deemed necessary according to amount and/or loan aggregate.

Responsible for new business development and cross selling of all bank products.

Responsible for all phases of underwriting loans, including real estate analysis, cash flow models and profitability models.

Responsible for multiple types of agricultural loans including crop and animal.

In addition to maintaining a commercial loan portfolio, responsible for increasing that with new business each year.

Able to travel to any location within the footprint to meet with clients, regardless of hours or days.

Ability to be available at all times for clients, because commercial needs does not always fall within banking hours.

Provide coaching and mentoring to younger or less experienced bankers and lenders to increase their ability to take care of customers.

Work at an extremely high volume to assist in tasks in a short amount of time, such as SBA PPP loans and forgiveness.

Ability to guide customers thru the SBA process in many types of SBA loans.

Financial Center Manager/District Manager/Community President/Senior Manager - U.S. Bank, Madisonville, KY April, 2009– May 2017

Every aspect of U.S. Bank Senior Management including lending authority, override authority, budget and goal setting, Human Resource functions and many other responsibilities for 10 branches and 60 employees

Managed a $50,000 budget for community involvement as Community President ● Successfully managed risk while overriding loans for consumer lending and small business

As a Senior Manager, spent many hours analyzing, comparing and managing consumer lending and small business spreads to maintain adequate return on assets ● Developed training programs for 10 offices and 60 employees

Monitored customer preferences to determine focus of sales efforts.

Developed the annual branch business plan for maximum profitability and effectiveness. ● Implemented annual performance appraisals for all branch staff.

Outside the branch calling efforts on a weekly basis to increase commercial loan volume and commercial deposits

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.

Provided financial analysis reports of commercial real estate, borrower's financial statements, lease reviews and market research.

Provided expert financial advice on mortgage, educational and personal loans ● This includes working with members of upper management to ensure that goals are meant, compliance is met and maintaining the integrity of U.S.Bank.

President of South Central Kentucky Development Network Group

Financial Center Manager–Fifth Third Bank, Madisonville, KY August 2001– April, 2009

Responsible and accountable for directing and administrating a financial center with more than $50 million in core deposits and generating more than $1.2 million in net profit.

Actively recruited and oversaw training for all new branch employees.

Ensure that the financial center provides the public with banking services, credit decisions, and service for consumer and commercial loans including agricultural loans. ● Outside the branch calling efforts on a weekly basis to increase commercial loan volume and commercial deposits

Promote growth through the development of deposits, assets, fee-based services and the development and retention of new and existing customers.

Provide the public with a team of employees who are able to service customer needs either directly or indirectly in a polite, friendly, capable and professional manner. ● Lead speaker for all teaching events for the bank both external and internal. ● Oversee operation duties of a financial center that includes compliance, reporting and making sure that every transaction is up to standard of our employees.

Developed the annual branch business plan for maximum profitability and effectiveness. ● Implemented annual performance appraisals for all branch staff.

Managed the largest branch in the region, achieving high customer satisfaction rates ● Assisted senior-level credit officers with complex loan applications.

Adhered to all federal and state compliance guidelines for retail mortgage lending. ● Performed daily maintenance of the loan applicant database.

Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loans.

Determined rate locks, issuance of disclosures and overage and underage and fee waivers.

Educated customers on the variety of loan products and available credit options. Provided financial analysis reports of commercial real estate, borrower's financial statements, lease reviews and market research.

Executed the loan origination process, including ordering credit reports, appraisals, preliminary title reports, UCC searches, environmental reports, insurance information and flood certificates.

Provided expert financial advice on mortgage, educational and personal loans.

Personal Affiliations

United Way of the Coalfield Board Member (2011-2017)

President of the Board (2014 – 2015)

Executive Committee (2011-2015)

Treasurer (2012-2014)

Board Member (2003-2015)

Treasurer (2005-2010)

Allocation Board (2003 – 2017t)

Madisonville Lions Club Board Member (2010-2011)

Vice President (2018-2021)

Madisonville Lions Club President (2021-2022) and Chair of the Madisonville Lions Club Golf Tournment (2023)

Hopkins County Economic Development Committee Board Member (2005-2009)and (2014 – 2017)

Finance Committee Member (2005-2009)

Madisonville Cub Scouts Pack 200 (2008 - 2011) Pack committee chair and treasurer - include monthly presentation to parents and scouts

Education

Bachelor of Science – Mid Continent University, Mayfield, KY 2012

● Emphasis in Human Resources

● Coursework in International Business, Finance and Accounting

● Coursework in Human Resource Management

● Coursework in Business Administration

● Advanced course on Recruiting and Interviewing Techniques

Contact this candidate