Manager Customer Service

RENEA R. WHALEY

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

Memphis, TN 38141

Cell – 901-***-****

Home – 901-***-****

OBJECTIVE

To secure a position that will allow me the opportunity to utilize the credit analysis and portfolio management skills that I have acquired through many years of work experience.

EXPERIENCE

Renasant Bank, Memphis TN 2005-2011

Credit Analyst

Performed credit analysis for commercial loan requests over $500,000 by spreading business and guarantor financial statements and tax returns. Conducted independent cash flow analysis, project analysis and write ups.

FIRST TENNESSEE BANK, Memphis, TN 2003-2004

Small Business Relationship Manager

Sold financial products and services to small business customers with annual sales up to five (5) million and religious organizations. Built long-term and profitable customer relationships in order to maximize portfolio revenue growth and asset quality.

NATIONAL BANK OF COMMERCE, Memphis, TN 2001-2003

Commercial Relationship Manager

Managed an asset based loan portfolio of $35 million. Sold banking products and services to customers. Monitored customers with borrowing base limits. Responsible for underwriting loans. Presented loan requests to Loan committee.

AMSOUTH BANK, Memphis, TN 1996-2000

Assistant Branch Manager

Sold all consumer credit and non-credit products and services. Series 6 and 63 licensed representative providing world class financial services (annuities and mutual funds) to existing and potential banking customers. Resolved and assisted customers with bank related problems. Supervised branch.

MAYBELLINE, INC., Memphis, TN 1995-1996

Senior Credit Representative

Managed an accounts receivable portfolio averaging 5 million dollars for governmental, mass merchandisers, major grocery and drug store chains in the southern and western regions of the United States. Analyzed financial statements to determine financial stability. Monitored days outstanding on accounts. Released orders for shipment. Provided credit references and coordinated account information with sales, customer service and traffic. Collected past due invoices. Resolved billing disputes.

EDUCATION

B.B.A. in Finance, University of Memphis, Memphis, TN, 1988

PROFESSIONAL/CIVIC ACTIVITIES

Boys and Girls Clubs

Memphis Regional Chamber

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