Summary
Overview
Work History
Education
Skills
Honors Awards
Accomplishments
Affiliations
References
Timeline
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Chad Ervin

Bettendorf,Iowa

Summary

Results-Driven Commercial Lender with 20 years of comprehensive experience leading high-performing teams in the financial industry. Proven track record of successfully driving revenue growth, mitigating risk, and fostering lasting client relationships. Adept at analyzing complex financial data, structuring deals, and implementing strategic lending solutions. Demonstrated expertise in cultivating business development opportunities and managing diverse portfolios across various industries. Recognized for exceptional leadership skills, effective communication, and a collaborative approach to achieving organizational goals.

Overview

25
25
years of professional experience

Work History

Vice President Commercial Services

IH Mississippi Valley Credit Union
Moline, IL
09.2017 - 01.2024
  • I lead the Commercial Services Department from 2017-2024 and over the course of 6 years we increased outstanding commercial loan balances by 150%, commercial deposit balances by 1000%, profitability by 150% and kept 60 day delinquencies consistently under .58%
  • During this time I coached I mentored multiple team members up into new roles with increased responsibilities. This was my most rewarding achievement.
  • I lead a team of 6 commercial and small business lenders as well as 3 Treasury Management support staff and the commercial underwrting team of 5.

Middle Market Relationship Manager

U.S. Bank
Davenport, IA
10.2014 - 08.2017
  • As a Middle Market Relationship Manager I worked with Quad City Area businesses, municipalities, higher education & non-profits that had revenues in excess of $25MM
  • Typically my clients and prospects have aggregate credit needs greater than $5MM, utilize advanced cash management tools & techniques for extending cash flow cycles and maximizing profitability.

Vice President

U.S. Bank
Davenport, IA
11.2009 - 10.2014
  • I managed the sales activities of a group of small business lenders in Eastern Iowa and Western Illinois
  • Our primary focus is helping businesses with revenues less than $10MM and credit needs less than $2MM to achieve their goals by providing them with cutting edge financial tools and expert advice
  • In 2011 my team was the top performing Small Business Loan Center team in all of U.S
  • Bank for which I receive U.S
  • Bank's highest award, Pinnacle.

Vice President & Commercial Lender

Clinton National Bank
Rock Island, IL
07.2008 - 02.2010

Assistant Vice President & Commercial Lender

American Bank & Trust
Bettendorf, IA
08.2005 - 07.2008

Assistant Vice President

National City Bank
Rock Island, IL
02.2002 - 08.2005

Small Business Banker

U.S. Bank
DAVENPORT, IOWA
01.1999 - 02.2002

Education

ABA National Commercial Lending School - NATIONAL COMMERCIAL LENDING SCHOOL

Southern Methodist University - Cox School of Business
Dallas, TX
06-2007

MBA -

St. Ambrose University
Davenport, IA
05-2007

Bachelor of Arts - History

Marycrest International
Davenport, IA
05-1999

Skills

  • Team Leadership
  • Business Development
  • Commercial Banking
  • Credit Analysis
  • Treasury Management
  • Tax Credits
  • Loan Audits
  • Budgeting
  • Compliance
  • Strategic Planning

Honors Awards

Pinnacle Award - U.S. Bank, 04/2011, Awarded for being in the top 1% of all U.S. Bank Small Business Lending Teams.

Accomplishments

  • 2011 Pinnacle Award for being in the top 1% of all U.S. Bank Business Banking Teams.

Affiliations

  • Ballet Quad Cities Board Member
  • Renew Moline Board Member
  • Rock Island Economic Growth Board Member
  • Pivotal Business Partners Board Member

References

References available upon request.

Timeline

Vice President Commercial Services

IH Mississippi Valley Credit Union
09.2017 - 01.2024

Middle Market Relationship Manager

U.S. Bank
10.2014 - 08.2017

Vice President

U.S. Bank
11.2009 - 10.2014

Vice President & Commercial Lender

Clinton National Bank
07.2008 - 02.2010

Assistant Vice President & Commercial Lender

American Bank & Trust
08.2005 - 07.2008

Assistant Vice President

National City Bank
02.2002 - 08.2005

Small Business Banker

U.S. Bank
01.1999 - 02.2002

ABA National Commercial Lending School - NATIONAL COMMERCIAL LENDING SCHOOL

Southern Methodist University - Cox School of Business

MBA -

St. Ambrose University

Bachelor of Arts - History

Marycrest International

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Chad Ervin