       SENIOR COMMERCIAL BUSINESS BANKING RELATIONSHIP MANAGER, VP       Professional Summary     To maximize my exceptional management, retail, business banking and   analytical talent, in a capacity that presents sales development and project management opportunities.        Professional Highlights          Business Management   Cash Flow Conversation Certified   Treasury Management  Business Banking Training  Account Manager   Business Finance  CCM Training  Principals of Banking  Laws of Banking  Operations Management   Sales Goal Achiever  SBA Achiever  Customer Service Advocate  Managing/Communications  Leadership & Training  Creative Problem Solving  Team Building  Mentoring & Coaching Staff  Retail & Commercial Banking  Efficiency Maximization, Process Improvement  Strategic Planning  Marketing Development  Relationship Growth  Business Banking Teller Certification Trainer  PNC Accel College Day Recruiter & Presenter              Accomplishments      Reduced Bank costs by 11% and increased corporate client retention in 1st and 2nd quarter.  Developed internal prices improvement as well as external service enhancements to improve client satisfaction.  Exceeded Treasury Management Goals each quarter by 115% - 129%  2013 Million Revenue Credit Goal Achiever  Managed and supported 16 branches in Montgomery County  Exceeded loan gaol by 50% while managing a portfolio of over 100 clients  Exceeded branch deposit and profitability goals by 46%  Completed and facilitated bank proposals and presentations        Experience     06/2016   to   Current     Senior Commercial Business Banking Relationship Manager, VP    Company Name   －   City  ,   State      Responsible for generating and managing profitable loans and deposit portfolios and non-
interest income from businesses with annual sales of $1MM- $50MM while developing and
retaining long term profitable client relationships.  Responsible for the management of an
assigned portfolio of business and mixed household accounts.  Responsible for generating
new fee based revenue from both the credit and non credit ancillary product sales, to include
capital market products.  I work with commercial businesses with annual revenue over
$1MM to include Dealer Finance/Commercial Lending.  I am responsible for the Mont-
gomery County and DC Market/Region for the profitability, quality and growth of my assigned loan portfolio.  I service all commercial business client relationships, including pro-
cessing of credit requests.  Also responsible for retaining and strengthening current relationships and developing new
business through prospecting, Centers of Influence, client referrals.  Assessing and using my
creativity to provide credit solutions to bank clients.  Participates in civic, business and
community affairs, county associations and groups to solicit and develop new consumer and
small business households for the branch.  Responsible for loan performance within the
branch pertaining to growth and profitability.  I also work with my business partners to drive
cross-sales through referrals and to proactively serve the needs of the clients while expand-
ing the relationship and growing the overall portfolio.  Meeting and exceeding sales goals in
lending,,deposits, revenue growth, profitability, and client acquisition.         06/2013   to   05/2016     Sr. Business Banking Treasury Management Officer, Vice President & Senior Business Banker    Company Name   －   City  ,   State      A dual role that combined Treasury Management as well as Business Banking duties    Responsible for the sale of Treasury Management services as well as the maintaining of existing businesses within the GWA Region, creating presentations for businesses located within my region on all Treasury Management products as well as developing, creating and implementing training, coaching the development of Business Bankers, Tellers and Financial Sales Consultants regarding the sale of Treasury Management services.  Implementing calling program on all new business clients and prospects to offer new
Treasury Management products, partner with internal partners to uncover new opportunities
as to include; wealth, merchant services and other products offered by PNC Bank.    Responsible for analyzing market conditions, trends and related factors for
services.         10/2010   to   06/2013     Commercial Business Banking Relationship Manager, Assistant Vice President    Company Name   －   City  ,   State      Responsible for generation and management of a profitable loan and deposit portfolio and
non-interest income from businesses with annual sales of $1MM- $25MM through the development and retention of long term, profitable client relationships.  Responsible for the
management of an assigned portfolio of business and mixed household accounts.  Retained
and strengthened current relationships and actively developed new business through
prospecting, Centers of Influence, client referrals while partnering with internal partners for
cross sell opportunities.  Responsible for assessing and being creative in providing credit solutions to bank clients.  Successful in meeting and exceeding sales goals in deposits, loans,
revenue growth, profitability, and client acquisition, also worked with internal partners to drive cross-sales through referrals for deposit opportunities as well as merchant services,
lending, treasury management and workplace banking         07/2005   to   10/2010     Senior Business Development Officer    Company Name   －   City  ,   State      Identified and sold TFCJ benefits to Select Employee Groups in the Anne Arundel, Prince
Georges and Howard County.  Developed strategic marketing plans, conducted on-
site presentations to employer and their employees, created written proposals and negotiated
proposed interest with prospective Companies.  Partnered with my branch to uncover new
business opportunities for the credit union, while coaching, mentoring and providing leader-
ship to the branch branch staff while managing goal setting, reviews, training and staffing.  Assisted in the preparation of the business develops annual budget while also managing and
developing over 50% of the regions new business.         09/2001       Branch Platform Banker    Company Name   －   City  ,   State      Proactively initiaed, developed and managed long term profitable banking relationships while
also managing branch operational needs that pertained to employee management, compli-
ance and risk, ATM and cash management needs.  Working with retail and business clients to
develop deposit growth while increasing fee income to the bank.         09/1995   to   08/2001     Cash Management Analyst/Cash Management Officer    Company Name   －   City  ,   State      Developed and implemented Cash Management products for the Commercial Real Estate
and Business Banking segment, while assisting in the management of large corporate clients
for the sale of cash management products.  Responsible for developing new cash management clients while retaining existing client relationships.  Responsible for viewing cash man-
agement transactions, compliance reports and analyzing monthly analysis statements while
also monitoring the cash flow of clients using an excel spreadsheet.  Managed cash management products while developing a strategic pricing and goal strategy.          Cash Management Officer, Assistant Vice President    Company Name   －   City  ,   State      Produced and executed various cash management solutions for business clients in the Maryland and DC Regions.  Responsible for the sale of Cash Management services as well as the
maintaining of existing businesses within the market.  Preparing sales presentations, proposals, resolving client issues, managing new small business development while negotiating cash
management pricing.  Worked with business clients to implement ATM's, while monitoring
cash requests, and ATM usage at specific business locations.  Reduced Bank costs by 12%
         Completed more than 50 presentations and proposals.          Education          University of Phoenix and Fairleigh Dickinson University   －   City  ,   State             05/2000     B.S  :   Business Management    Business Management            Principals of Banking/Laws of Banking
Management - Relationship
Operations/ Retail Banking/ Business Banking             2018       Business     UMUC   －   City  ,   State  ,   USA            Leadership & Professional Affliations         - Howard County Academy of Finance Board - Board Member 2010
  - Howard County Advisory Board - Board Member 2010
  - Certified Business Women's Network - Women Business Advocate 2010
  - Howard County Chamber of Commerce 2010
  - Montgomery County Chamber of Commerce 2012
  - Ambassador Junior Achievement Program 2008
  - The Ray Lewis Foundation - Finance Chairperson 2003
  - Baltimore 1000 - Financial Seminar Leader 2016       Technical Skills     Sales Force, Sales Prism, Ncino, Oracle, Genesis Customer Relationship Management System, Client Product Implementation System (CPI), Siebel Systems, Act System, AS 400, Microsoft Office XP; Excel, PowerPoint, MS Access 2.0, Microsoft Outlook, IBM IS Series, Lotus Notes 4.1, Boss, Fast, AFS, CAPS, Vector 5, Maxaar System, Word Perfect 5.0 & 5.1, Apollo System, Display Write, Office Writer 6.1 & 6.2, Facts, Branch Suite, Base 2000, Bank Pro, Hogan System, Host System, Symitar, SEG Manager, Banker insight, Metavante and Check System.    CRT Computer, AT&T Encore telephone system, IBM Compatible PC, PBX, Cash Register, Percs System, AFS System and Rolm Switchboard.     