Koren Woy-Smith

ad3cyw@r.postjobfree.com *** S East Street Bedford, PA 15522 412-***-****

Summary

I have over 20 years of sales experience, from recruiting student-athletes to a Division I university, to selling retail banking products, to providing financial solutions to personal and commercial customers.

Education

Indiana University of Pennsylvania

August 2002 Master of Science in Sport Science

Emphasis in Sport Management, overall GPA 3.63

Shippensburg University

December 2000 Bachelor of Science in Business Administration

Major: Finance, Overall GPA 3.20

John L Grove College of Business – Nationally accredited by the AACSB

Experience

First National Bank of PA Bedford, PA and Hollidaysburg, PA

Business Development Officer, Vice President September 2019 – Present

Business banking specialist; acquire new business accounts, loans and lines of credit

Develop and maintain relationships with new and existing clients to expand product utilization

Responsible for 10 branches in the Centre/Blair/Bedford County region; max loan aggregate amount is $1 million, max aggregate loan amount $3 million in healthcare

Did over 80 PPP loans the 1st round and over 45 the 2nd round personally.

Closed over $5.4 million in new business loans in 2020, and 2021, not including PPP loans; $7.0 million in 2022, $7 million in 2023

Exceeded 4 of 5 business goals in 2020,2022, and 2023 including deposit goal, loan goal, referral goal, and growth goal.

Top 10 small business development officers at FNB each year

First Commonwealth Bank Bedford, PA

Small Business Solutions Specialist February 2017 – September 2019

Responsible for 11 branches in the Altoona/ Bedford region; max business loan amount $500K allowed at this level; max loan aggregate amount is $1 million

SBSS is responsible for coaching and mentoring Financial Solutions Center Manager (FSCM) to better understand small business and help them to obtain their business goals.

Help the FSCM attend small business appointments to better understand what that business is about, what they offer, and discover how we can help them to grow and succeed. I coach the FSCM on business appointment setting, discovery during the appointment, and using that discovery for recommendations and services. I also help with the loan application process, collection of documentation, credit review, and loan closing.

2017, 2018 #1 ranked SBSS in the company

2018 – finished at 113% overall for the year, 10 of 11 branches I oversee achieved 95% or better on their yearly scorecard; 9 of 11 branches I oversee, grew their balance sheet in business loans and deposits

2018 – over $9M closed business loans (goal was $6.5M), $16M in net business deposits, opened over 425 business accounts, and also achieved closed merchant and treasury management referrals

Financial Solutions Center Manager March 2016 – February 2017

Responsible for $16M deposit branch in Central City, PA and $28M deposit branch in Northern Cambria, PA

Branch Goals: consumer and business DDA, deposit growth, brokerage, consumer and business loans, and new money

Northern Cambria branch increased consumer DDA opened by 30% in 1 quarter, had 19 brokerage appointments (led all branches in region), and closed over $450K in business loans (increase from $10K previous 2 quarters), closed 5 merchant referrals, and 6 new to bank business clients

Central City branch – increased consumer DDA by 10% in 1 quarter, closed over $400K in business loans ($0 in business loans the previous 3 quarters), closed 3 merchant referrals, and 4 new to bank business clients

Top 25 branch within First Commonwealth Bank (Central City and N. Cambria)- total of 113 branches

Senior Financial Solutions Specialist Sept 2015 – March 2016

Responsible for the following individual goals: Consumer and Business Checking, Savings products, consumer loans, and referrals (brokerage, mortgage, insurance, and merchant).

Created my own leads thru telemarketing and business visits – cold and warm leads, referrals

Provided great customer service by helping customers with their financial goals and concerns. Followed up with current customers quarterly to continue to add to their portfolio.

Robert Morris University Moon Township, PA

Assistant Track and Field Coach August 2003-August 2015

Coached triple jump, high jump, and long jump

Recruited over 50 student-athletes to commit and compete for the track and field team in 12 years- had over 500 student-athletes visit campus in the 12 years. (Recruited thru phone calls, visits, and mailings)

Student athletes I coached broke over 20 school records.

Citizens Bank of PA July 2004 – Sept 2015

Senior Universal Banker Sept 2013- Sept 2015 (Moon Township, PA)

Assisted the branch manager in achieving quarterly branch goals, while also achieving individual goals

Achieved passing yearly audits- responsible for training others in branch on their roles and responsibilities required for audits.

Achieved individual goals every quarter – typically 20-25% over goals

Trained all new hires on teller line and sales goals

Teller Manager July 2009 – Sept 2013 (Moon Township, PA)

Trained and coached tellers within the branch to achieve their teller referral goals by reviewing accounts and making recommendations.

Trained and coached tellers to make telemarketing calls to set appointments for bankers within the branch.

All tellers made their referral goals 80% of the time, my teller referral goals were met 100% of the time

All yearly audits were passed 100%

Moved to teller manager position in order to locate to a traditional branch setting

Assistant Branch Manager July 2004 – July 2009 (Kennedy Township, PA- In-store)

Started as a part-time CSR and worked my way to assistant branch manager with 2 years of hire.

Branch had 5 quarterly goals for a total of 20 goals a year: 2006 – 14/20, 2007 – 17/20, and 2008 – 15/20. Branch was a 2007 World Class Performer.

Was an individual world class performer – Achieved 100% on my individual goals- loans, business and consumer checking, deposit growth, and brokerage

Trained and coached customer service representatives within the branch to the sales process, teller process, and audits.

Promistar Bank Johnstown, PA

Audit Department May 2001- December 2003

Trained to become a full-time auditor- traveled with auditors to perform quarterly branch audits, robbery audits, and end of year audits.

Laid off when bank was acquired by First National Bank of PA and department was dismantled.

Skills

PIAA Track and Field Official

PA Bankers Association – School of Commercial Lending Certificate – June 2017

EDGE Commercial Lending Training – March 2017

Member of Leadership Bedford County Class of 2018

Bedford County Chamber of Commerce – Leadership Advisory Committee

Bedford Sunrise Rotary Member – Co-President from 2019 – 2021

2022 Servant Leader of the Year – Bedford County Chamber

Bedford County Chamber Board Member – 2022 -

References

Provided upon request.

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