ASHLEY GAGNON
Standish
Summary
Results-oriented Business Banking Officer with extensive experience at NBT Bank, specializing in SBA loan evaluations and effective client portfolio management. Proven success in structuring loans and implementing strategic sales initiatives that drive revenue growth. Strong analytical and relationship management skills contribute to exceptional client satisfaction and business development. Demonstrates leadership in managing portfolios and advising clients on tailored investment opportunities, leading to enhanced financial solutions and improved client relationships.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Business Banking Officer (Remote)
NBT Bank
01.2021 - Current
- Perform in-depth evaluations of SBA loans and small business financial health.
- Structure loan packages, negotiate favorable terms, and ensure compliance with lending regulations
- Manage a diverse portfolio of clients, offering personalized financial solutions and proactive risk assessments
- Collaborate with cross-functional teams to streamline loan processing
- Developed and implemented sales strategies that increased revenue in small business, commercial real estate, and SBA lending
- Led and mentored a banking team, focusing on performance management and skill development
- Identifying opportunities for upselling and cross-selling banking products
- Facilitated remote business lending services to support client financial needs.
AVP, Senior Banking Center Manager
Northeast Bank
01.2018 - 01.2021
- Fostered strong client connections, resulting in new opportunities.
- Ensured regulatory compliance through implementation of risk mitigation strategies.
- Enhanced interdepartmental communication pathways, fostering improved collaboration on projects.
- Directed projects effectively, securing on-time delivery with top-quality results.
- Engaged in prospecting and follow-up activities with VPs to grow business partners.
- Led initiatives focused on employee engagement, resulting in higher retention rates, and improved workplace morale.
- Examined market data to discover areas for potential expansion in lending services.
- Increased loan portfolio growth by developing and implementing strategic lending initiatives.
- Reduced turnaround time by improving the lending procedure.
Business Development Manager
GrandyOats
01.2015 - 01.2018
- Identified and pursued new business opportunities within the organic food sector, driving account growth
- Increased company revenue through strategic planning, client engagement, and successful negotiations
- Established long-term agreements with new clients, enhancing market presence
- Supported portfolio management for small business, commercial real estate, and SBA lending initiatives
- Promoted banking products and services, emphasizing excellent customer service and satisfaction
- Managed day to day operations and employee management of the retail branch
Branch Manager/AVP, Investment Manager
People's United Bank
01.2005 - 01.2015
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
Education
Strategic Planning - Business Management
University of Phoenix
Phoenix, AZ01.2013
Associate of Applied Science - Business Management
University of Phoenix
Phoenix, AZ01.2011
Associate of Applied Science - Sales Management
Huthwaite International, Inc.
Colorado Springs, CO01.2008
Skills
- Small Business & Commercial Lending
- Client portfolio management
- SBA loan evaluation
- Loan structuring
- Sales Management
- Financial Analysis
- Relationship Management
- Cash flow forecasting
- Cold calling
- Analytical skills
- Multitasking capacity
Certification
- ABA Small Business Banker Certification, American Banker Association, 01/2019 - 12/2020
- Strategic Planning, University of Phoenix, 01/2011 - 12/2013
- Business Analytics Certification, University of Phoenix, 01/2010 - 12/2011
- Sales Management, Huthwaite, Inc., 01/2007 - 12/2008
- NMLS License, 1805169
- State of Maine Notary Public
Timeline
Business Banking Officer (Remote)
NBT Bank
01.2021 - Current
AVP, Senior Banking Center Manager
Northeast Bank
01.2018 - 01.2021
Business Development Manager
GrandyOats
01.2015 - 01.2018
Branch Manager/AVP, Investment Manager
People's United Bank
01.2005 - 01.2015
Strategic Planning - Business Management
University of Phoenix
Associate of Applied Science - Business Management
University of Phoenix
Associate of Applied Science - Sales Management
Huthwaite International, Inc.
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