Banker
Open To Work
Bernard C. Parnell
CADENCE BANK
Sugar Land,TX
Work Preference
Desired Job Title
Senior Vice-President | Relationship Manager IIIMarket PresidentSenior Vice-PresidentCommercial Banking VP Relationship ManagerVice President Commercial Lending
Work Type
Full Time
Location Preference
On-Site
Location:
Sugar Land, TXHouston, TX
Open to relocation:
No
Important To Me
Career advancementWork-life balanceCompany CulturePersonal development programsTeam Building / Company RetreatsPaid sick leave401k matchHealthcare benefits
1
Certification
25
Years of experience
Results-oriented banking professional with 20 years in commercial and small business lending, marketing, and financial analysis. Expertise in establishing and nurturing customer relationships while consistently achieving and surpassing goals.
Work History
Senior Vice-President | Relationship Manager III
4 Years 11 Months- Developed and managed commercial business relationships in real estate, including owner-occupied and non-owner-occupied, income-producing, and investment properties, with an annual revenue size ranging from $5MM to $700MM. Conducted cross-sale calls with other bank team members to expand service offerings and enhance client engagement. Managed portfolio and underwrote credits under $150K. Managed existing portfolio of $56MM since August 2021, booking an annual average of $12MM in new business.
- Led strategic initiatives to enhance operational efficiency and drive revenue growth.
- Developed and implemented risk management frameworks in alignment with regulatory standards.
- Oversaw multi-channel banking operations to ensure seamless customer experiences and service delivery.
Market President
3 Years 10 Months- Opened first Loan Production Office in March 2017 for OWB; grew loans from $0 to $47mm and deposits from $0 to $21mm, facilitating establishment of Full-Service Branch in September 2020; current bank asset size is $70mm in loans and $39.1mm in deposits. Led the Bank's active involvement in the community. Managed risk for my team and collaborated with other team members. Addressed client issues and inspired team to meet organizational objectives efficiently. The Bank offered Commercial Real Estate Loans for Owner Occupied and Investment Purposes, SBA-7A Loans, etc.
- Led strategic initiatives to enhance customer engagement and satisfaction across multiple regions.
- Developed and implemented comprehensive market strategies to drive revenue growth and market penetration.
- Oversaw risk management protocols, ensuring compliance with regulatory requirements and industry standards.
Senior Vice-President
3 Years- Developed C&I commercial business in Houston area, cross-selling bank products and services to commercial customers. Managed $40M portfolio for exceptions, renewals, and loan increases, ensuring alignment with client needs. Managed Loan Transaction size ranged from $1 mm to $30 mm. Called on businesses with annual revenues from $3M to $800M, fostering strong client relationships.
- Led strategic initiatives to enhance customer experience and streamline banking operations.
- Directed cross-functional teams to implement innovative financial products and services.
- Oversaw compliance with regulatory requirements, ensuring operational integrity across all departments.
Commercial Banking VP Relationship Manager
1 Year- Developed and acquired new business opportunities and managed client relationships in Houston area. Facilitated financial restructuring and approvals for various commercial loans, including OORE, equipment and RLOC, SBA 7-A, SBA 504, and other transactions. Expanded portfolio of companies while promoting bank through community involvement and proactive cross-selling.
- Established new credit relationships with clients generating $5M to $50M in annual revenue
- Conducted thorough credit analysis to assess client risk and credit screening to ensure appropriate risk rating and compliance
Vice President Commercial Lending
5 Years- In charge of developing new C&I businesses in the Houston Area. Enhanced relationships with existing commercial customers in order to identify cross-sell opportunities. Managed commercial loan portfolios and participated in the analysis and processing of commercial real estate, capital equipment financing, SBA 504.7A Loan Program and other commercial lending products.
- Expanded portfolio from zero to $54 million by acquiring new clients.
- Oversaw transactions ranging from $2.5 million to $1 million, averaging $1.2 million.
- Conducted thorough credit analysis, with authority to approve loans up to $300,000.
- Supervised a team of four, including a loan assistant, two commercial lenders, and a universal banker.
Vice President and Branch Manager
6 Years- Generated new business relationships with potential customers involved in light commercial real estate, manufacturing, wholesaling, commodity marketing and franchised operations within the Houston and surrounding areas. Managed a portfolio of commercial relationships of $70M in commercial loans with several relationships exceeding $6M, with average loans of $2M. Handled all credit underwriting and financial analysis, account management, marketing, and cross-selling of non-credit bank products and services.
- Processed $10M in new loan applications across three consecutive years.
- Oversaw operations of 2 lenders and 14 staff members to ensure efficient workflow.
- Cultivated relationships that resulted in $52M in deposits, not including CD accounts.
- Acted as Leasing Manager for 14 commercial office spaces, overseeing tenant relations.
Education
Bachelor of Science - Business Administration
Skills
RELATIONSHIP MANAGEMENT
COMMERCIAL LOANS
NEW BUSINESS DEVELOPMENT
FINANCIAL ANALYSIS
C-level communication
STRATEGIC PLANNING
OPERATIONAL EFFICIENCY
Cross-selling
Change Management
SKILLED NEGOTIATOR
Coaching Strategies
Customer experience
Certification
- Training: AIB School of Banking Certification
- First Interstate Exemplary Credit Program Certification
- Technology Skills: Proficient in Baker Hill, CRM, Microsoft Office Suite: Word, Excel, PowerPoint, Access, Outlook
Timeline
Senior Vice-President | Relationship Manager III
CADENCE BANK
03.2021 - 02.2026Read More
Market President
ONE WORLD BANK
03.2017 - 01.2021Read More
Senior Vice-President
TEXAS FIRST BANK
01.2014 - 01.2017Read More
Commercial Banking VP Relationship Manager
BBVA/COMPASS BANK
01.2013 - 01.2014Read More
Vice President Commercial Lending
MIDSOUTH BANK
01.2007 - 01.2012Read More
Vice President and Branch Manager
FIRST INTERNATIONAL BANK
01.2001 - 01.2007Read More
University of Southern California
Bachelor of Science from Business Administration
Read More