Andrew Bregenzer
New York,NY
Summary
Dynamic leader with a proven track record excelling in complex and ultra-competitive arenas, building high performing teams across a multitude of business lines. Focus on client centric approach to relationship building, strategic planning, developing talent, and data analysis. Committed to enhancing productivity and delivering exceptional results while reinforcing culture as foundational to success.
Overview
31
31
years of professional experience
Work History
EVP, Co-Head US Commercial Banking
TD Bank
New York, NY
09.2024 - Current
- Member of the Management Committee directly reporting to the CEO.
- Accountable for all aspects of the Commercial Bank including Small Business, Community and Middle Market Segments within the US footprint.
- Maintain high connectivity with Retail and Wealth pertaining to go to market strategies.
- Frequent connectivity with Board of Directors both at Enterprise and US levels
- Work directly with the US regulators on standard business initiatives as well as MRA remediation efforts
- Worked effectively in team environments to make the workplace more productive.
- Achieved cost-savings by developing functional solutions to problems.
- Prioritized and organized tasks to efficiently accomplish service goals.
- Approached customers and engaged in conversation through use of effective interpersonal and people skills.
- Collaborated closely with team members to achieve project objectives and meet deadlines.
- Conducted comprehensive research and data analysis to support strategic planning and informed decision-making.
EVP, Regional President
TD Bank
New York, NY
10.2016 - 09.2024
- Senior Executive responsible for oversight, strategic vision and execution of the Metro NY Region (NY State, NNJ, CT)
- Primary accountability is Retail Distribution and Commercial Banking. Both represent the largest businesses in scale and financial impact t in the US footprint.
- Report jointly to the Head of U.S Commercial Banking and the Head of U.S. Retail Distribution.
- Metro NY organizational structure consists of an impactful and diverse group of retail and commercial leadership and staff (16 direct reports, 3,265 total emp).
- Retail network is 321 stores spanning 3 states..
- The commercial loan portfolio is approximately $20B in commitments and includes small business, community, middle market, higher ed and NFP credit relationships.
- Comm Portfolio growth has averaged 6-9% YOY growth and is consistently the Number 1 Region in all performance metrics and segments
- Leader in the Market driving Model, Brand and Culture both internally and externally by connecting through a variety of channels including centers of influence, sponsor relationships, community organizations, industry colleagues and directly with business owners.
- Own the P&L responsibility aligned with TDs strategic objectives and risk appetite.
- Develop and execute across a multitude of strategic areas; evolving the sales culture, deepening customer and partner relationships, prioritizing customer segmentation for enhanced and efficient acquisition and profitability.
- Key focus on personnel development; recruitment and retention, creation of a high impact, diverse team of consistent performance and over achievement.
- Champion an omni-channel retail distribution strategy and position the network strategically for further transformation to service the customer base, connect communities and grow share.
- Evaluate current store real estate network for areas of further efficiencies within the Metro's operating model.
- Manage internal relationships to ensure an integrated client service experience and effective leveraging of resources.
- Member of ESG executive team, Commercial Sponsor for TD Black Employee Network. Commercial Executive on the Social Impact Investment Council and Sustainable Finance Executive Committee. Board Member of TD Charitable Foundation, TD Wealth & Private Banking and TDs PAC. Former Chair of Regional Diversity Council.
SVP, Head of Commercial Credit Management
TD Bank
New York, NY
07.2012 - 09.2016
- Reports jointly to the Regional President and the U.S. Head of Commercial Credit Management.
- Responsible for the build out of the first credit management group in the U.S. as part of the Bank's initiative to respond to the enhanced regulatory environment, TD Banks's loan growth goals and portfolio quality objectives.
- Initial objectives were to identify, recruit and build out the leadership and teams for this new line of business.
- Primary oversight of the NY commercial loan portfolio - approximately $10.6B in commitments, $6.1B in outstandings, $37B+ in deposits.
- Manage a group of six Market Credit Managers that oversee a total of 16 teams (110 people) across 3 markets; 12 Regional teams, 3 Middle Market and one dedicated NFP group. Primary functions related to supporting loan growth with effective portfolio management.
- Focus is on customer and prospect base of $10MM to $500MM in annual revenues across multiple C&I as well as other industry verticals. Credit exposure from $1MM up to $150MM.
- Lead the business development, relationship and credit management process for Regional and Middle Market commercial banking in the NY Metro Region.
- Establish rules of engagement between key stakeholders and maximize operating capabilities, profitability and strategic focus to effectively penetrate the market, grow the portfolio and gain market share with high quality, profitable relationships.
- Responsible for the credit underwriting and credit administration functions of the Regional Bank, consistent with TD Bank Group Risk Appetite Principles, including establishing the credit structure, borrower and facility risk ratings for new and existing credit relationships.
- Manage the credit operational risk of the portfolio while driving profitable business growth. Provide expert guidance on complex credit structuring, analysis, and competitive pricing.
- Serve as leader on commercial loan structuring, pricing models, Risk Adjusted Return on Capital (RAROC), Maestro and loan reporting systems with the Region.
- Direct the Credit Management teams in the timely completion of annual reviews and renewals and monitoring of loan covenants to ensure compliance with TD Bank, NA Loan Policy.
- Identify and respond to changes in the macro-economic environment, industry issues and business environment within the Region, establishing action plans to address customer issues and priorities.
- Ensure the Credit Management staff operates within the TD Bank Group Risk Appetite Principles and the applicable regulatory and compliance guidelines and procedures, including, Anti-Money Laundering, Privacy, Firewalls, and Systems and Information Security.
- Ensure the appropriate balance between new business development, loan pricing and credit risk consistent with the TD Bank Group Risk Appetite Principles to maximize growth and return.
SVP, Senior Lender
TD Bank, NYC Market
New York, NY
07.2009 - 06.2012
- Lead/manage regional commercial lending activity throughout the five (5) boroughs of NYC.
- Generate new lending opportunities through own COI base and leveraging the TD brand.
- Accountable for the approx $2B loan portfolio; growth, asset quality, credit mgmt.
- Work directly with the Regional Vice Presidents and commercial lenders on marketing efforts.
- Direct all RVPs in the market, lending officers, loan administrators, with oversight on TD’s lending policies, portfolio composition and concentrations and pipeline management.
- Assist in assigning budget goals for the regions inclusive of production, portfolio growth, fee income, cash management and credit quality.
- Help to institute best practices, procedures and activities to effectively navigate the credit process.
- Manage the monthly pipeline, 30/60/90 budgets and market summary updates for NYC Market.
SVP, Regional Vice President
TD Bank/Commerce Bank, Manhattan Market
New York, NY
02.2002 - 06.2009
- Key member of the original executive team responsible for the effective buildout and organic growth of the NYC Metro Market. Accountable for the recruitment and hiring of key members of both leadership and sole producer roles in various capacities of retail and commercial lending.
- Report into the NYC Market President, and meet monthly with the CEO, in regard to loan production, store growth, personnel decisions, community involvement and other performance measurement criteria.
- Responsible for all retail banking and commercial lending performance and activities including; small business, community and middle market lending starting from a limited existing portfolio.
- Played integral role in growing the loan portfolio from $80MM to $2B.
- Helped to build the retail network from 2 stores (branches) to 85 in 8 years and responsible for deposit growth and ancillary product sales, today exceed $25B.
- Tremendous market equity within the banking community with COIs, CPAs, attorneys and specific industry players.
- Accountable to the underwriting, credit quality, portfolio management and growth as well as regional contribution margin and profitability.
- Multiple nominations for regional VP of the year for consistently ranking at or near the top in year over year portfolio growth and fee generation.
- Responsible for recruiting, cultivating and retaining talented employees.
- Assisted in new store site development focusing on CBA tactics to maximize brand/ profitability.
VP, Relationship Manager
Fleet Boston Financial
New York, NY
03.1998 - 01.2002
- Responsible for new business development and portfolio maintenance for business banking and middle market customers in New York City.
- Managed a portfolio of approximately 60 credit relationships, leveraging the Fleet brand to cross sell additional products.
- In addition to commercial loans, key focus on other revenue drivers included deposit products, cash management, wealth and payroll services.
- Multiple Pinnacle Club Award Winner; representing top revenue producers throughout the entire organization.
- Ranked in the Top 10 out of more than 190 commercial relationship managers in performance and revenue production for 3 consecutive years (99-01).
- Multiyear Winner of the SBA Outstanding Achievement Award.
- Assisted the relationship managers in pricing and structuring of the more complex credits for positioning with the underwriters and customer alike.
- Worked closely with business and community leaders as well as financial partners targeting impactful spheres of influence.
AVP, Relationship Manager
M&T Bank
Buffalo, New York City, NY
07.1995 - 02.1998
- Accepted into the Bank’s Executive Associate Program directly from Business School.
- Completed M&T’s credit training program as well as ongoing additional coursework and on the job experience underwriting middle market and business banking deals encompassing a diverse cross section of industry, facility type and complexity of structure.
- Supported 11 branch network commercial customer base by providing credit products and services to the business banking and middle market segment.
- Responsible for direct prospecting of business and centers of influences, as well as cross-selling of the exiting Bank portfolio.
Education
MBA - Banking And Finance
University of Rochester
Rochester, NY05-1995
Bachelor of Arts - Economics
University of Rochester
Rochester, NY05-1990
Skills
- Outcomes driven
- Client centric
- Culture promoter
- Building high performing teams
- Risk management
- Strategic planning
- Data and analytics
- Effective Communication
- Project management prioritization
- Relationship building
- Process improvement
- Team collaboration/accountability
References
References available upon request.
Timeline
EVP, Co-Head US Commercial Banking
TD Bank
09.2024 - Current
EVP, Regional President
TD Bank
10.2016 - 09.2024
SVP, Head of Commercial Credit Management
TD Bank
07.2012 - 09.2016
SVP, Senior Lender
TD Bank, NYC Market
07.2009 - 06.2012
SVP, Regional Vice President
TD Bank/Commerce Bank, Manhattan Market
02.2002 - 06.2009
VP, Relationship Manager
Fleet Boston Financial
03.1998 - 01.2002
AVP, Relationship Manager
M&T Bank
07.1995 - 02.1998
MBA - Banking And Finance
University of Rochester
Bachelor of Arts - Economics
University of Rochester