Market President
Resume:
Brent E. Davis
Rainbow City, AL 35906
256-***-**** / ***********@*****.***
Professional Banking Professional with a background reflecting consistent career progression and achievement of objectives.
Profile: Demonstrated expertise in effective relationship development and management of multiple lenders and other personnel complemented by strong interpersonal skills. Scope of general management experience and financial acumen attests to ability to fully utilize resources and effect results that are profitable to the company and beneficial to the client.
AREAS OF EXPERTISE
Business Development Leadership Public Relations
Business Strategies & Planning Commercial Lending Consumer Lending
Credit Quality & Analysis Policy Compliance Expense Control
Financial Analysis Risk Assessment & Management Strategic Planning
Professional RBC Bank (formally First American Bank): County President December 2005 – May 2009
Background: St. Clair County, Alabama
Responsible for managing commercial and consumer loan activity in a designated geographical area. Also represented RBC/FAB in the local community, successfully growing revenues by prospecting for new business and retaining/expanding existing customer relationships. Called on existing and prospective customers to develop new business, expand existing business, maintain good customer relations, and ensure proper servicing of accounts, establishing sales goals and strategies for my area and assessed performance against set goals periodically with other management. Established service policies and standards for commercial and consumer accounts, in order to ensure customer satisfaction and loyalty. Performed in a high visibility, leadership role in the communities served. Exercised management and administrative control over the functions of the area, including participation in the sales strategy, budget process, implementation of regional policies, and explanation of company standards and objectives. Responsible for expense control and overall performance of my area through bottom line P&L performance. Local autonomy of $250m with past dues of less than 0.10%. Served as a member of the regional loan committee with responsibility of loan approval up to $6mm.
Colonial Bank: Vice President / Commercial Lender III (Sr. Lender – Etowah County) September 2001 – December 2005
Gadsden, Alabama
Develop new commercial loan business through the development of industry contacts, referral follow-up, calls and visits to new and existing clients and participation in civic and charitable functions. Service existing commercial loan portfolio of $20mm (less than 0.10% past dues), expand existing relationships by calling on customers and cross-selling bank products and services. Investigated credit worthiness and negotiated terms of credit extended including costs, repayment method and schedule, and collateral requirements. Monitor loan repayment activities and actively participate as part of the loan committee process with loans in excess of $250m. Directly supervise 5 lenders within my area along with a number of other branch employees. Responsible for setting goals, establishing budgets, training, staffing, conducting performance reviews and coaching to improve the overall lending skills of each loan officer that is under my supervision. Local autonomy to approve loans of $250m.
Regions Bank: Commercial Loan Officer / Private Banking March 1999 – September 2001
Gadsden, Alabama
Duties included growth, development and management of a commercial / consumer loan portfolio of greater than $16mm (past dues of 0.4% or less monthly). Development of new business through outside calling efforts and profiling of existing client base. Generated more profitable relationships with existing customers through cross selling of all bank products and services including investments, trust, cash management and capital markets. Served as internal auditor for all loan files at the local level. Performed loan reviews and evaluated critical loans to be placed on quarterly problem loan and non-accrual reports. Local autonomy to approve loans of $100m.
Centura Bank: Vice President / FSO (Commercial & Retail) July 1997 – March 1999
Highlands, North Carolina
Duties included management and development of a portfolio of greater than $50mm in commercial and retail loans with past dues of less than 0.15%, and $35mm in deposits. Delivered a broad range of bank products and services including credit, mortgage, investment, deposit and non-proprietary products to a mainly affluent client base. Development of new business through means of outside calls and by profiling for needs with existing clients. Origination of commercial, retail, and portfolio mortgages, and construction loans. Completed formal credit write ups, loan grading and profitability analysis on all commercial loans. Analyzed personal and corporate financials and tax returns. Directly supervised 3 loan officers along with other branch personnel and branch activities. Met goals for business development, total branch growth, and expense control. Local autonomy to approve loans of $150m.
Exchange Bank of Alabama: Branch Manager January 1995 – June 1997 Gadsden, Alabama
Duties included overseeing the daily operation of the office. Audits of tellers, ATM and vault. Staff training on all aspects of cross selling, customer service, and loan processing. Performed both consumer and a small amount of commercial lending, along with residential and construction mortgage lending. Loan review, appraisal review and credit analysis experience. Assisted with improving the image of the bank by teaching a junior achievement class at a local school. Generated a loan portfolio of $3mm with past dues at less than 0.1%. Local autonomy to approve loans of $50m.
Education: Auburn University December 1993
Auburn, Alabama
Bachelor of Science in Business Administration / Finance
Civic St. Clair County Red Cross – Board Member currently serving a 3year term
Interest: Rotary Club International - Member since 2001
Cal Ripken Baseball – Coached youth baseball since 2001
Junior Achievement – Teach at least one class annually at local elementary school.
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