Charles (“Chet”) R. Morris, Jr.

*** ******* **.

Woodruff, SC 29388

adla9c@r.postjobfree.com

T 864-***-****

EMPLOYMENT

Owner - 2009-Present

Crescent Business Solutions, LLC; Spartanburg, SC

Provide guidance, leadership and recommended solutions under contract services to small to mid-size businesses and dental practices in areas of business/financial analysis, human resources, accounts receivable/payable analysis, accounting, marketing, banking relationships, bookkeeping, business start-ups, business systems and management, corporate documents, facility & construction management and IT systems.

Owner - 2011-Present

Palmetto Surface Coatings, LLC; Spartanburg, SC

Construct and resurface sport courts including tennis courts, running tracks, and basketball courts utilizing multiple crews for the various applications. I provide new asphalt and maintenance services including crack filling, sealcoating and striping. In addition, I provide concrete services to new and maintenance applications.

Pro Services Supervisor – September 2018-January 2020

Lowes Home Improvement, Spartanburg, SC

Managed and supervised the Pro Services and Building Materials Departments. I was responsible for business development both internally and externally within the construction community. I successfully achieved both with double digit growth.

Owner/Chief Executive Officer – 2012- September 2017

Heritage Family Dentistry, LLC; Swansea, SC

Darlington Family Dentistry, LLC; Darlington, SC

Florence Dental Care, LLC; Florence, SC

Compass Dental Associates, LLC; Taylors, SC

Managed and supervised business and clinical departments

Organized staff scheduling and assignments

Engaged in vendor and patient relations

Successfully developed and implemented a series of business systems involving regular team training in areas of patient care, customer service, accounts receivable/payables, information technology, marketing and team building for up to a thirty (30)+ person staff

Developed, communicated and implemented business/practice policies and procedures

Provided staff reviews; made and implemented recommendations as needed

Led development and monitoring of budgets as well as short and long-range strategic plans

Compiled and interpreted financial data and compared to peer groups in the areas of labor, supplies, lab, facility & equipment, administration and marketing (KPI’s) resulting in levels well above peers achieving efficiencies in all areas of business and patient services resulting in performance well above peers

Conducted regular meetings with staff members

Assured compliance with state and federal regulations

Owner/Partner and Chief Executive Officer - 2003-2009

Woodruff Family Dentistry, LLC; Woodruff, SC

Crowns Now Dentistry, Inc.; Greenville

Crowns Now Dentistry, Inc.; Columbia, SC

Crowns Now Family Dentistry, Inc.; Greenville, SC

Managed and supervised business and clinical departments

Organized scheduling of staff and staff assignments

Engaged in vendor and patient relations

Successfully developed and implemented a series of business systems involving regular team training in areas of patient care, customer service, accounts receivable/payables, information technology, marketing and team building for up to a forty-five (45)+ person staff

Developed, communicated and implemented business/practice policies and procedures

Provided staff reviews; made and implemented recommendations as needed

Led development and monitoring of budgets as well as short and long-range strategic plans

Compiled and interpreted financial data and compared to peer groups in the areas of labor, supplies, lab, facility & equipment, administration and marketing (KPI’s) resulting in levels well above peers achieving efficiencies in all areas of business and patient services resulting in performance well above peers

Conducted regular meetings with staff members

Assured compliance with state and federal regulations

Owner/Partner and Chief Executive Officer – 1998-2005

Sweetbriar Family Dentistry, Inc.; Greenville, SC

Successfully developed and implemented business systems, patient flow charts, human resource policies and compliance policies achieving efficiencies in all areas of business/practice and patient services;

Developed/analyzed financial data and compared to peer groups in the areas of labor, supplies, lab, facility & equipment, administration and marketing (KPI’S) resulting in levels well above peers.

Executive Vice President, Member of Board of Directors - 1993-2003

Woodruff State Bank/Arthur State Bank, Woodruff, SC

Woodruff State Bancshares, Inc./Arthur State Bancshares, Inc., Woodruff, SC

Served as Chief Executive responsible for day-to-day operations of all departments

Provided direct supervision to department managers and staff managing a total team of thirty (30)+

Provided staff reviews annually or whenever necessary

Successfully developed and implemented and Audit Program

Led development of short and long-range strategic plans;

Represented the bank on numerous boards and civic organizations

Compiled/analyzed financial and economic data to develop reports and recommendations for management and the Board of Directors

Prepared and presented agenda information for monthly Board of Directors meetings

Developed and monitored an annual budget

Assured compliance with state and federal regulations.

Successfully developed and implemented new operation, audit, collection, payable and compliance policies and procedures achieving results well above peer group levels in the areas of capital adequacy, asset quality, overall management, earnings, and liquidity (CAMEL Rating)

Significantly increased the Return on Assets (ROA) ratio

Member of the transition team for the successful merger of the three (3) banks and holding companies (Arthur, Woodruff and Chesnee State Banks and Holding Companies)

Senior Vice President and CFO, Chesnee State Bank; Chesnee, SC — 1987-1993

Served as Chief Executive responsible for day-to-day operations of all departments

Provided direct supervision of department managers overseeing a total team of twenty (20)+;

Provided staff reviews annually or whenever necessary

Developed and monitored an annual budget

Led development of short and long-range strategic plans

Represented the bank on numerous boards and civic groups

Compiled/analyzed financial and economic data to develop reports and recommendations for management and the Board of Directors

Prepared and presented agenda information at the monthly Board of Directors meetings;

Assured compliance with state and federal regulations.

Successfully developed and implemented new operation, audit, collection, payable and compliance policies and procedures, achieving results well above peer group levels in the areas of capital adequacy, asset quality, overall management, earnings, and liquidity (CAMEL Rating)

Increased the Return on Assets (ROA) from less than 1% to approximately 3+%

Reduced excessive bad debts and past due ratio to a much more acceptable of approximately 1%

Bank Examiner, SC State Board of Financial Institutions; Columbia, SC — 1985-1987

Examined and audited the financial health and regulatory compliance of banks chartered in SC. Gained expertise in federal and state banking regulations in the areas of capital adequacy, asset quality, management, earnings and liquidity (CAMEL).

BOARDS AND COMMITTEES

Appalachian Council of Governments, Board Member and Member of Executive Committee

Spartanburg County Transportation Committee

Project HOPE Foundation, Inc., Board Member, Past Board Chairman, Finance Committee

Bethel United Methodist Church, Member of Administrative Council and Youth Volunteer

Woodruff Area Council of the Spartanburg Area Chamber of Commerce, Board Member, Past Chairman

Chesnee Area Council of the Spartanburg Area Chamber of Commerce, Past Board Member

Woodruff Rotary Club, Member, Past President

Woodruff Community Center, Board Member

Emma Gray United Methodist Church, Past Treasurer and Member of Administrative Council

Graduate of Leadership Spartanburg, 1993

EDUCATION

The Citadel, Charleston SC - Bachelor of Arts in Mathematics w/Sequence (Minor) in Accounting, 1985

University of South Carolina, Columbia SC - South Carolina Banker’s School, 1989

Louisiana State University, Baton Rouge LA - Graduate School of Banking, 1991

University of South Carolina, Columbia SC - Masters in Business Administration (MBA), 1993

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