Manager Sales

Philip LaCorte

PO Box *****, Pleasanton, CA *****

Cell: 925-***-**** | **********@*****.***

SUMMARY

Well rounded banking professional with extensive background in multi-unit management, sales & operations management, and team building & mentorship. Exceptional organizational, time management, risk management, business development, and team leadership & development skills.

CORE COMPETENCIES

Business Development / Relationship Management / Sales Management & Leadership

Profit and Loss / Annual Budget Responsibility

Multiple Business Unit Management

WORK EXPERIENCE

Bank of America September 2010 – Present

Banking Center Manager

Responsible for managing branch sales, operations, and professional service goals, associate management, and business development activities including coaching/mentoring branch sales staff and managing partnership opportunities.

MyBankAbility.com February 2009 – August 2010

President

MyBankAbility.com provides detailed financial reports and analysis regarding potential loan clients “bankability,” not just a credit score. Small business consultants utilize the reports to determine for which lending program their clients may qualify. Responsible for every aspect of managing the company including authoring of website content, creation of automated underwriting matrix, business development, marketing, pricing and commission structures, and national implementation of program including training and facilitation of service.

Innovative Bank February 2004 – September 2008

FVP / National Program Director – SoHo Lending

Managed several in-house departments and multiple business units throughout the country using the creation of an updated business model which increased overall profitability, operational stability, program facilitation, & employee productivity.

FVP / National Program Director

Managed 20 regional business units overseeing approximately 150 outside sales / service agents.

Regularly interfaced with SBA District Directors regarding lending results and partnership opportunities with approved loan referral agents in their district. Consulted on the success of implementing new procedures through our PLP status.

Key Note and Guest spoke SBA Lending/Information events on behalf of the Bank, SBA and the regional loan agent’s seminars/lending events/community outreach projects

Member of Executive Audit Committee which oversaw loan portfolio quality, decisioning and monitoring.

VP / Department Manager

Responsible for the creation and management of department’s quarterly / annual budgets, monthly loan projections, loan referral agents’ pay scales and distribution schedule, and a loan performance tracking system. Department results were reported directly to Executive Management and Board of Directors.

Set up an in-house collection department to cut costs associated with our outside collection vendor. Promoted long-time bank associate to Collection Department Manager and oversaw her hiring and training of the new department.

VP / Business Development Manager

Surpassed business development goals 18 QTRS in a row resulting in a $10MM+ net profit for 3 straight years.

Won several SBA awards for top district lender in Los Angeles, Houston, Washington DC, Chicago, North Florida, Mississippi, and others; National Export Lender of the Year in 2007; won award for top community lending advocate for Entrepreneur’s University in Chicago 2006 & 2007.

AVP / Underwriting Manager

Worked with software engineers to create a more efficient loan processing system and to track statistics regarding loss rate, underwriters’ performance, and general loan information.

Using SBA Preferred Lending status, I was responsible for verifying the accuracy and completion of mandatory regulatory documents in addition to determining credit worthiness and ability to repay loans.

Created the automated underwriting matrix used to automatically pull credit, assign a risk grade, verify documents, and electronically request conditions from the loan agents. This significantly cut fulfillment time and assisted with doc imaging.

Loan Operations Manager

Responsible for managing the daily operations in the origination, processing, compliance, and loan fulfillment areas of the department. Interfaced with outside loan referral agents and developed several procedure upgrades to maximize efficiency and to ensure compliance with regulatory lending guidelines.

Recruited, trained and managed a quality team that was able to handle the demands of a high volume loan center which lead to the highest employee retention numbers in the company.

Maintained operational stability throughout the network of national offices by creating a transparent method of communication and auditing sales and service results on a daily/weekly/monthly/quarterly basis.

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