Credit and lending specialist

Jeffrey Alan Smith, MS, MBA

Goose Creek, SC ***** • 843-***-**** • *******.*******@*****.***

Financial Manager / Credit Analyst / Treasury Management

Financial Analysis Strategic Planning Credit Report Analysis Financial Statements

Investment and Financial Securities Variance Analysis Research Regulatory Compliance

Results-driven, goal-oriented professional with extensive experience working in the financial industry. Skilled in analyzing financial information, managing financial planning, and developing strategies to consistently meet or surpass the goals of clients and the business. Analyzes financial results, and identifies trends to implement effective solutions to advance business processes. Navigates successfully in highly complex environments with deep knowledge of financial markets. Proficient in Microsoft Office Suite, BancStar, ARGOS, Mainframe, MyDay, CloudCord, Impact 360, Workday, WebDirector/FISERV, BPM platform, and CRIF loan application system.

Core Competencies

Financial Analysis & Research Financial Performance and Management Business Development Critical Thinking

Relationship Building Process Improvement Customer Service Sales and Cross-Selling Meeting Facilitation

Team Building Team Leadership FINRA and GAAP Regulations Corporate Finance Solutions Customer Relationship Management Cash and Investment Solutions Management

Education and Credentials

Master of Science in Finance and Strategic Risk Leadership Bellevue University, Bellevue, NE 3/2018 GPA: 3.84

Relevant Coursework: Global Environment of Business, Marketing Research, Legal Environment of Business, Quantitative Methods, Corporate Finance, Managerial Economics, Strategic Planning Concepts, Cash Management, Leadership and Communication in Business, Accounting for Performance Management, Investments, Compensation and Performance, Financial Statement in Global Marketing, Financial Markets, Financial Management & Strategy, Risk Management, Business Conditions in Global Markets, Nature of the Firm

Master of Business Administration Point Park University, Pittsburgh, PA GPA: 4.00

Bachelor of Arts, Music with an Emphasis in History Penn State University, University Park, PA GPA: 3.33

South Carolina Notary Public (Expr: 6/2026)

Professional Experience

FIRST NATIONAL BANK OF PA, CHARLESTON, SC 11/2018 – 11/2019

BRANCH MANAGER III

Cultivated long-term strategic relationships through expert financial planning and advice solutions. Leveraged client relationships to gain new business growth through referral and networking opportunities. Forged partnerships within the community and participated in community organizations to build business partnerships. Collaborated with a diverse group of clients and business partners to classify, quantify, and forecast business metrics and risks by delivering reliable, accurate, comparable and timely information. Facilitated and led sales meetings and coaching sessions with employees on a weekly basis.

First hire for a DeNovo market expansion into the Charleston/Lowcountry, SC.

Identified and implemented appropriate client solutions to strengthen and maintain client relationships into the future.

Delivered branch seminars and presentations to existing clients to sell and upsell appropriate products and services to meet the financial needs of each specific client.

Developed and executed strategies to consistently meet or surpass goals.

Managed assets up to $17M.

SUNTRUST BANK, CHARLESTON, SC 2/2006 – 11/2018

Vice President and Senior Branch Manager, 2006 – 2013 2015 - 2018

Managed branch deposits and assets up to $25 million while coaching staff members and building client relationships in busy retail banking environment. Oversaw all aspects of branch management, including operations, sales, employee performance, cash management, and personal/business banking accounts. Ensured all daily operations complied with regulations and company policies. Conducted all interviewing, hiring, coaching, and performance management for the branch.

Spearheaded and directed the opening of 4 De Novo branches in the Charleston, SC market.

Served as interim Acting Area Manager during 3-month period.

Purpose Ambassador who shares best practices through Momentum on Up, 2015 – 2018.

Performance Excellence Award (PEA) Gold winner 5X for ranking in top 9% of branch managers companywide.

Developed and executed a strategy to increase new company enrollments in SunTrust’s work program by 15 to 20%.

Ranked in the Top 9% of Branch Managers organization wide.

Won the SunTrust Cup: Small Business Client Award, 2011 and the Volunteerism Financial Well Being Award in 2017.

SunTrust at Work Business Development Officer 2, 2013-2014

Managed and grew portfolio of 75 companies in delivering SunTrust at Work program to eligible employees. Acquired new consumer households, increased deposit balances, and expanded sales relationships. Promoted sales performance through onsite acquisition activities and cross selling.

Ranked #1 Business Development Officer out of 25 in 2014.

Performance Excellence Award (PEA) Platinum winner, 2014 for ranking in top 9% of branch managers companywide.

Significant increase in workplace banking client acquisitions and new households to the bank.

Increased new company enrollments to the program by 15-20%.

Earlier Experience:

National City Bank, Pittsburgh, PA – Licensed Financial Consultant / Assistant Branch Manager (Series 7 and 63)

Citizens Bank of PA, Pittsburgh, PA – Assistant Branch Manager / Branch Business Manager

Mellon Bank / Dreyfus Investments, Pittsburgh, PA – Financial Relationship Manager

Community Engagement and Associations

Vice Chair Citadel Family Association 2019 – Present

Board President Brickhope Plantation HOA 2019 – Present

Vice President Penn State Alumni Association, Charleston Chapter 2018 – Present

Vice Chairman and Commissioner Goose Creek Planning Commission 2009 – Present

Member Rotary International, North Charleston Breakfast Chapter 2017 – 2019

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