- Getting involved in local advocacy groups to promote positive change in the community
- Participating in fundraising events to support local charities, schools, or community projects
- Community Cleanup
- Offering time and support to shelters for the homeless, women, and animals
- Volunteer Work
- Youth mentor, providing guidance and support to empower the next generation of leaders
- Fundraising Events
Andrew Barboza
Ormond Beach,FL
Summary
Results-driven Commercial Loan Officer with expertise in loan structuring, risk evaluation, and client relationship management. Committed to enhancing customer service and driving revenue growth through tailored financial solutions. Focused on acquiring depository relationships for the bank to fuel loan growth. Dedicated, reliable and collaborative team member that is well liked and respected amongst teammates throughout the bank and across all departments.
Overview
29
29
years of professional experience
Work History
VP, Commercial Loan Officer / Relationship Manager
Barwick Banking Company
Daytona Beach, FL
05.2022 - Current
- Evaluated commercial loan applications to determine creditworthiness and risk assessment.
- Developed tailored loan solutions to meet clients' financial needs and objectives.
- Collaborated with internal teams to streamline loan processing procedures and enhance efficiency.
- Conducted financial analysis and due diligence on potential borrowers to ensure compliance with lending policies.
- Identify, cultivate and execute on loan and depository sales goals.
- SBA Champion for Volusia County Market.
- Barwick Bank liaison with Paychex Corporation.
- Residential Mortgage Loan Underwriter for Volusia County.
- Train and mentor new and experienced lenders joining Barwick Banking Company.
VP, Commercial Loan Officer / Relationship Manager
Intracoastal Bank
Daytona Beach, FL
10.2014 - 04.2022
- Established and maintained strong client relationships, providing ongoing support throughout the loan lifecycle.
- Monitored market trends and competitor offerings to inform strategic lending decisions and product development.
- Prepared comprehensive loan documentation for approval, ensuring accuracy and completeness in submissions.
- Trained junior staff on best practices in commercial lending processes and client management strategies.
- Salesforce CRM Champion for the bank.
- Coordinate, Set Up and Lead weekly bank sales meetings.
AVP, Business Banking Relationship Manager
SunTrust
Ormond Beach, FL
05.2012 - 10.2014
- Cultivated strong client relationships to enhance business banking solutions.
- Analyzed financial needs to provide tailored product recommendations.
- Facilitated cross-selling opportunities to drive revenue growth and client retention.
- Developed strategic plans for client engagement, resulting in increased satisfaction rates.
AVP, Business Banker / Branch Manager III
Mutual of Omaha Bank
Houston, TX
09.2009 - 05.2012
- Developed tailored financial solutions to meet diverse client needs and enhance relationship management.
- Analyzed client financial statements to assess creditworthiness and recommend suitable banking products.
- Led complex loan structuring efforts, ensuring compliance with regulatory requirements and internal policies.
- Mentored junior bankers on best practices in customer engagement and financial consultation techniques.
Branch Manager / Asst. Branch Manger /Customer Relationship Manager
Hibernia National Bank / Capital One Bank (Banks Merged)
Katy, TX
10.2004 - 09.2009
- Led daily branch operations to ensure exceptional customer service and compliance with banking regulations.
- Developed and implemented strategic plans to enhance branch performance and profitability.
- Mentored and trained staff on banking products, services, and operational procedures to improve team efficiency.
- Analyzed financial reports to identify trends, opportunities, and areas for improvement within branch performance.
Asst. Branch Manager / Personal Banker / Teller
Bank United / Washington Mutual (Banks Merged)
Houston, TX
03.1997 - 10.2004
- Led branch operations, ensuring compliance with banking regulations and policies.
- Mentored staff on customer service best practices to enhance client satisfaction.
- Streamlined loan processing procedures, improving turnaround time for approvals.
- Developed training programs for new employees, fostering knowledge retention and skill development.
Education
Associate of Science - Business Management
Daytona State College
Daytona Beach, FL02-2020
High School Diploma -
Lutheran High North
Houston, TX05-1995
Skills
- Loan structuring
- Risk evaluation
- Cash flow analysis
- Collateral valuation
- Excellent communication skills
- Mastery of PC systems
- Excellent interpersonal skills
- 29 years banking experience with broad range of knowledge
- Strong sales and service skills
- Cultivating strong client relationships
- Strong working partnerships with co-workers
- Commitment to excellence in customer service
- Strong knowledge of banking policies and procedures
Accomplishments
2018 SBDC Disaster Recovery Superhero Award
2014 & 2015 Business Report 40 Under 40 Award
2014 Ormond Beach Chamber most valuable new member
SunTrust Bank - November 2012 Business Banking MVP
2011 Leukemia & Lymphomia Society Man of the year nominee.
City Champion Top Investment Referring Branch 2008
City Champion Merchant Services Top Referring Branch 2008
Million Dollar Club Winner 2008
Production Club Winner WAMU 2002 & 2003
Interests
Timeline
VP, Commercial Loan Officer / Relationship Manager
Barwick Banking Company
05.2022 - Current
VP, Commercial Loan Officer / Relationship Manager
Intracoastal Bank
10.2014 - 04.2022
AVP, Business Banking Relationship Manager
SunTrust
05.2012 - 10.2014
AVP, Business Banker / Branch Manager III
Mutual of Omaha Bank
09.2009 - 05.2012
Branch Manager / Asst. Branch Manger /Customer Relationship Manager
Hibernia National Bank / Capital One Bank (Banks Merged)
10.2004 - 09.2009
Asst. Branch Manager / Personal Banker / Teller
Bank United / Washington Mutual (Banks Merged)
03.1997 - 10.2004
Associate of Science - Business Management
Daytona State College
High School Diploma -
Lutheran High North
SunTrust Bank - November 2012 Business Banking MVP
Exceptional customer service
Valuable team player
Executional excellence
Profitable growth