J. Wayne Morrison, II

**** ********** ****** **

Huntsville, AL 35801

256-***-****

E-mail: ntdom0@r.postjobfree.com

Objective

To utilize my knowledge and experience in sales and finance, while allowing me to attain new experiences and opportunities for growth

Experience

October 05-Present Branch Sales Manager

HFC owned by HSBC Group, Mobile, AL to Madison, AL

 Manage branch operations with 63 million in assets; maintain branch profitability by key reporting indicators including net interest margin, direct operating margin and efficiency ratios. Manage a sales force of 5 Account Executives and 2 Sales Assistants. Branch was rebuilt from 1 Account Executive to 5 Account Executives and 2 Sales Assistants. We closed $15,000,000 in mortgages for 2007. RECENTLY, transferred to Madison, Alabama office.

August 04-September 05 Senior Account Executive

HFC owned by a HSBC Group, Huntsville, Alabama Formerly Household Finance of Alabama

 Consumer and real estate lending by making development calls to North Alabama residents for the purpose of selling sub prime loans, restructuring debt or helping people find financial solutions. I participated in an accelerated management program.

December 02-July 04 Partner

Marik & Morrison Financial Group, Huntsville, Alabama

• Commercial lending, equipment leasing and accounts receivable factoring, analyzing credit files for preparation of executive summaries for lenders, equity partners or other private investor groups. Also, develop contacts for the purpose of funding loan requests and finding new prospects.

February 00-December 02 Senior Account Executive

Household Finance of Alabama, Huntsville, Alabama

 Consumer and real estate lending by making business development calls to North Alabama residents for the purpose of selling sub-prime loans, restructuring debt or helping people find financial solutions. Performed as "Top Account Executive" during several months with Household Finance.

September 98 – February 00 Commercial Lending Representative

Union Planters Bank, Huntsville, Alabama

 Commercial, consumer, and real estate lending. Made business development calls to Huntsville area businesses for the purpose of selling loans and other bank products. Spreading financial statements using techniques learned with WIN fast and credit courses offered through Union Planters to determine the credit worthiness of prospective borrowers. Establish relationships that are beneficial to customers and profitable to the bank. Managed office, Loan Assistants and Branch Personnel.

Branch Sales Assistant

Union Planters Bank, Huntsville, Alabama

 Commercial, consumer, and real estate lending, business development, civic involvement, manage office, supervised tellers, ran branch operations and looked qualified customers to up sell bank products.

April 96 – August 98 Business Development Representative

First Commercial Bank, Huntsville, Alabama

 Commercial, consumer, and real estate lending. Outside Sales, cold calls, and calling on new customers to sell them bank products and services including loans, credit analysis, “Business Manager,” business checking and money market accounts, cash management, and merchant card services. Worked closely with Private Banking and Commercial Lending prospecting new customers. Managed office when Private Banking Manager was not available.

Private Banking Representative

 Commercial, consumer, and real estate lending. Outside sales and cold calls to find potential private banking customers while assisting new and existing customers with their banking needs by cross-selling products and handling their transactions. Worked closely with Private Banking and Commercial Lending prospecting new customers. Managed office when Private Banking Manager was not available.

Customer Service Representative

 Consumer lending. Cross-selling existing customers with new products in the branch atmosphere. Supervise tellers.

May 92 – April 96 Client Representative (teller)

AmSouth Bank, Huntsville, Alabama

 Assisted customers with transactions. Performed all duties associated with a branch including running the vault.

Education

March 1998 BBA, Business Management

Athens State University, Athens, Alabama

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