Michael McKinney

**** ********* **** *****, **** Point, NC 27265

336-***-**** home; 336-***-**** cell

Objective To continue a progressive career path.

Professional Experience

Vice President/Commercial Officer

Southern Community Bank and Trust

May 21, 2007 – January 2009

Responsibilities include business development and portfolio management of profitable residential and/or commercial loan volume consisting of equipment, real estate, LOCs, letters of credit, and construction loans. Cultivate potential customers while providing service to current clients. Maintain abreast of trends, developments, and current regulations in the industry and in local markets. Underwrite credit based on credit policy and recommend decision to management based on customer’s financial performance ability. Cross-sells other bank ancillary products and services to clients as appropriate. Represent and maintain a strong presence in the community for the bank by actively engaging in community affairs, build and cultivate new relationship for business development and growth opportunity. Annual production goal consisted of $20 million in loans and $5 million in deposits annually.

Vice President

Sr. Business Banking/Commercial Officer

SunTrust Bank Inc. / CCB

August 1998 – May 2007

Work with Branches on business development and Managers to provide high level of skills in selling and servicing customers with wide variety of business banking, consumer, and other loan and deposit products. Underwrite business/commercial loans. Inspect and manage commercial construction projects financed by the bank. Assist in training new business bankers, participate in special projects, or provide expertise as needed. Responsible for actively seeking and selling bank products to business clients and prospects as well as provide financial analysis. Through direct solicitation, seeks opportunities to sell business products and loans. Concentrate on business loans, obtaining loan fees, and cross selling a variety of business banking products. Identify other business and personal cross sell opportunities and makes referrals to branches and to appropriate lines of businesses. Underwrite, package and close loans. Answers customer questions and participates in closings.

Vice President/Branch Operations Manager/Commercial Lender

Central Carolina Bank

Responsibility included sales management program, direct recruiting selection, and development of sales/service oriented staff. Schedule, prepare staff for and reinforce sales training, assist in development and achievement of branch goals (including profitability and growth plan goals). Analyze local market opportunities and direct efforts towards optimal results. Direct and participate in business development programs to include targeted prospects, existing customers, and referral network, including regular review of calls made, plans, and results. Assist other business development officers with calls, opportunities, and problem resolutions. Direct effective referral programs, routinely monitor progress towards goal, and provide feedback.

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Assist Vice President and Mortgage Loan Officer

Central Carolina Bank

Responsibility included mortgage underwriting, mortgage loan production, maintain current knowledge of DU and LP underwriting systems. Work closely with loan processors, appraisers, attorneys, realtors and closers. Manage mortgage loans and underwriting for 17 retail branches. Maintain strong present in the community and represent the bank’s interest on a consistence basis. Keep current with market trends and advise management of the same.

Winston Salem State University, B.A. Political Science with Concentration in Public Administration 1987

Guilford County Planning Board 2007 – present

NC William Shakespeare Festival Board 2008- Present

Carl Chaves YMCA Board 2009- Present

TREBIC, Board member (Treasurer) 2008-2009

Co-Chair, Gateway Gardens Inc. 2007 -2008

SunTrust Banks, Inc. Regional Diversity Trainer and Facilitator

Sub-committee Chair, African American Group for Diversity Council

Board of Directors, 2003 to 2005, United Way of Greensboro

Planning and Allocation Division, United Way of Greensboro

Co-Chair, African American Leadership Giving Initiative, United Way of Greensboro 2005-2007

President and Chairman of the Board, 100 Black Men of the Triad, Inc. 2005-2007

National Board Member, 100 Black Men of America, Inc. 2005-2008

Member of Future Fund, Community Foundation of Greensboro

National Campaign Committee to Raise $20 Million for the Civil Rights Museum and Center Inc.

Co-Chair Black and White Ball; International Civil Rights Museum and Center

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