AMY SMITH
123 Main Street • Atlanta, Georgia • 30339
Home: (555) 555-1234, Cell: (555) 555-1235
asmith@sample~resume.com
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PROFESSIONAL OBJECTIVE
Opportunity with a Dallas-based financial services organization where expertise in commercial collection, credit administration, and financial analysis/structuring contributes to increased profits.
PROFILE
Extensive general business experience in the financial services industry, with credentials in both line and staff positions. Areas of expertise:
Credit/Portfolio Administration
Asset structuring/restructuring
Commercial Collectio
Loan documentation
Regulatory compliance
Financial analysis
Risk assessment/underwriting
Problem asset resolution/loan work-outs
Operations/information integration
Lender liability issues
Background in diverse environments ranging from major regional financial holding companies to large and small
Diving force in the establishment of a newly-focused chartered commercial bank in the Phoenix area.
Customer-focused professional whose philosophy is to "do it right for the first time"
Viewed by clients as an individual who is worthy of their trust, and who holds their best interest paramount.
Effective at building sound internal/external relationships to support client and organizational goals,
Actively involved in leadership roles focused on community development.
Northwestern University- Management School for Corporate Bankers
University of Texas- National Commercial Lending Schools
Certified Commercial Lender- American Bankers Association
Computer School for Executives- Bank Institute of America
Leadership and Lending- National Credit Executives Association
EXPERIENCE
RIVCOM STATE BANK, Phoenix, Arizona 1995-Present
Founder/Charter Director/Executive Vice President and Senior Lending/Compliance Officer.
Member of Three-person team that founded and organized a new state-chartered FDIC insured commercial bank.
Established nine-member board of Directors.
Key Accomplishments:
Led efforts in generating $17.2 million in start up capital.
Grew bank into profitable organization with $120 million in assets, while maintaining strong loan quality.
Personally managed 70% of the bank's borrowing client base and 60% of $72 million in total loans outstanding.
U.S. LEASING COMPANY, Fort Worth, Texas 1992-1995 Senior Vice President, Leasing
Managed lease origination process for a national leasing company. Offerings included private level programs for five-fortune 500 companies.
Trained, supervised and developed new team members.
Key Accomplishments:
Introduced commercial bank quality underwriting procedures to correct prior portfolio deficiencies for lease averaging $75,000 per transaction.
STATE BANK AND TRUST, Springfield, Illinois 1986-1992 Vice President and Senior lending Officer
Responsible for bank's credit administration and management of commercial, consumer, and residential lending. Chaired loan and Community Reinvestment Act (CRA) committees.
Key Accomplishments:
Developed and implemented new credit culture, achieving an all-time bank record of 1.12% ROA, from a negative .67%.
COMMERCIAL BANK, Chicago, Illinois 1980-1985 Commercial Lending Officer - Special Loan Division
Established and managed new loan workout activity to support the bank's domestic commercial lending group.
Key Accomplishments:
Directed reduction of internally classified credits and non performing assets by 70% each.
CIVIC AND PROFESSIONAL ACTIVITIES
Board of Directors and Past President, Local Chambers of Commerce
International Association of Bank Executives, Charter member and Board of Directors
Senior board member, National Banking Institute of Arizona
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