Banking Executive
Resume:
EDGAR E. FUTRELL, JR.
Kitty Hawk, NC 27949
Telephone: 252-***-****
Email: **.*********@*****.***
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SENIOR FINANCE EXECUTIVE
Finance and Accounting Management Banking & Account Management
Budgeting Insurance & Risk Management
Tax & Regulatory Compliance Proactive Sales Coach
Senior Level Executive with extensive finance, administration and accounting experience in diverse industries including financial services, mortgage, insurance and banking. Proven ability to improve operations, significantly impact business growth and maximize profits through achievements in finance management, cost reductions, internal controls, and sales productivity. Strong qualifications with hands-on management, short and long term business planning, technological implementation, and staff development from a coaching style leadership.
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PROFESSIONAL EXPERIENCE
E. R. MIDGETT INSURANCE AGENCY, LLC, Kitty Hawk, NC 2007 to 2009
CFO – Sales Manager – Human Resources Officer – Compliance Officer
Chief Financial Officer accountable for strategic planning, business development and leadership of entire sales force as well as day-to-day operations management of company’s performance through budget development, expense control and direct coaching sessions. Recruited, developed and managed team of sales professionals, division managers and support staff.
Achievements and Responsibilities
* Coached a Proactive Sales Culture with all Associate Agents leading to over seventeen percent growth in 2008.
* Managed all financial matters for the company including Budget Development, Expense Control and Advertising.
* Led acquisition of a competing independent insurance agency with the reorganization of acquired and existing staff to better suit the needs of all clients resulting in a transfer rate in excess of ninety percent of all acquired policies leading to an increase in net profit by twenty percent for the branch.
* Supervised and evaluated the purchase of two separate offices for owner’s tax advantage while coordinating the consolidation of three agency locations.
* Developed a human resources department monitoring all issues including payroll and employment.
* Upheld responsibilities for compliance of all State of North Carolina insurance regulations.
EQUITY SERVICES, INC, Kitty Hawk, NC 2005 - 2007
Senior Mortgage Consultant – Branch Owner - Manager
Mortgage Professional responsible for business development through consistent contact with lead sources and community. Recruited, developed and managed a team of sales professionals from start-up operations inspiring an entrepreneurial spirit with all employees.
Achievements and Responsibilities
* Opened & managed new Branch for Parent Mortgage Company originating, processing, and closing Residential Mortgage Loans.
* Implemented a commercial lending program by understanding various bank guidelines and then advising clients about credit analysis, loan underwriting, and finally loan placement with the best bank to fit clients’ needs.
* Achieved President’s Top Five Profitable branch status in 2006 measured by net profit margin.
* Awarded Top Individual Sales Consultant for over $ 17.1 million in volume in 2006.
* Responsible for branch compliance through strict underwriting requirements.
SOUTHERN BANK & TRUST COMPANY, Kill Devil Hills, NC 2002 - 2005
Senior Vice President / City Executive 1989 - 1999
Consistently achieved top producer and manager status in various branches and regions. Cultivated and managed new and existing client relationships of individuals and corporations. Optimized all aspects of lending products encompassing retail, equity lines, business & personal lines of credits, FmHA, FHA & SBA Guaranty programs, and all commercial and residential mortgage loans. Aggressively marketed and cross-sold all bank services. Analyzed all credit information in order to determine risk involved in lending bank assets to clients through rate determination and approval based off the 5-C’s of lending (capacity, capital, collateral, conditions and character). Reviewed and strengthened asset quality of existing lending portfolios through work-out loan management of previous substandard credit. Recruited and developed entire staff of a start-up branch with my region.
Achievements and Responsibilities
* Awarded President’s Banker of the Year in 2004 based off Loan & Deposit Growth and Bank Profitability.
* Awarded President’s Lender of the Year in 2003 based off Loan Growth and Delinquency Rating.
* Oversaw all Commercial and Personal Loans, Deposit Growth, Staff Management and Budget Preparations while promoting Bank image throughout the community.
* Redirected and managed four different regions throughout North Carolina leading to greater profitability, efficiency margin, client retention, and positive customer relations.
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EDUCATION
University of North Carolina at Chapel Hill, NC 1984 - 1989
Bachelor of Arts – LSRA with concentration in Mathematics
* Co-founder of UNC Baseball Club Team
* Director of South Campus Student Government
Louisiana State University at Baton Rouge, LA 1995 - 1997
Graduate Program for Business Banking
* Awarded First Ever Scholarship by North Carolina Banker’s Association
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CIVIC ACTIVITIES
President, North Banks Rotary Club 2009 – 2010
Board of Directors, North Banks Rotary 2006 – 2008
Co-President, Outer Banks Babe Ruth Baseball Association 2008 – 2010
Director, Dare County Parks & Recreation Board 2006 – 2011
Event Marshall, Outer Banks Marathon 2007 – 2009
Volunteer
* Beach Food Pantry, OBX Hotline, Outer Banks Angel Tree Project, Salvation Army, Youth Head Coach of Baseball, Basketball and Soccer teams and various other local charities
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REFERENCES
Paul N. Tine 252-***-****
E. R. Midgett Insurance Agency LLC
CEO – Owner
Manteo, Moyock and Kitty Hawk, NC
R. D. Ray 252-***-****
Southern Bank & Trust Company
Executive Vice President
Belhaven, NC
Paul A. Brewer Available Upon Request
Southern Bank & Trust Company
Retired Executive Vice President
Mt. Olive, NC
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