Charles Dethloff
Finance
Raleigh,NC
Summary
Results-driven Business Relationship Manager specializing in high-net-worth portfolio management and client banking relations. Expertise in structuring credit facilities and delivering compliant treasury solutions. Focused on client acquisition, financial analysis, and risk mitigation, enhancing satisfaction through customized banking strategies and strong relationship development.
Overview
13
13
years of professional experience
1
1
Certification
Work History
Private Client Relationship Manager - Private Bank
First Horizon Bank
Raleigh, North Carolina
10.2025 - Current
- Managed portfolio of 100–130 high-net-worth and business clients with annual revenues of $1 million to $5 million.
- Acquired, retained, and deepened banking relationships through targeted outreach and regular in-person interactions, enhancing client satisfaction and loyalty.
- Delivered tailored business banking solutions including deposit products, cash management, and treasury recommendations, aligning services with client needs and objectives.
- Structured business credit facilities up to $1 million; analyzed cash flow and collateral for loan documentation.
- Conducted financial statement analysis and cash flow modeling, aligning client objectives with portfolio risk management.
- Led KYC/AML reviews and maintained regulatory documentation, ensuring compliance and addressing issues promptly.
- Utilized Salesforce to manage pipeline and document client interactions, prioritizing outreach effectively.
- Represented private bank at networking events to cultivate centers of influence and generate referrals, enhancing brand visibility and expanding client network.
Private Client Banker
JPMorgan Chase
Chapel Hill, North Carolina
10.2021 - 10.2025
- Cultivated affluent client relationships by delivering tailored banking and lending solutions.
- Collaborated with wealth and lending specialists to implement integrated financial strategies.
- Executed KYC/AML reviews to ensure compliance and coordinated loan documentation approvals.
- Performed financial reviews and market analysis to identify optimization opportunities for client portfolios.
- Utilized Salesforce to track client activity, manage pipeline, and support targeted outreach campaigns.
- Facilitated digital adoption initiatives that enhanced client convenience and increased engagement.
- Guided junior staff on sales fundamentals and business development tactics, enhancing team capabilities.
Finance Manager
Ascentium Capital (by Regions Bank)
05.2020 - 09.2022
- Analyzed borrower financials to enhance loan approval rates; prepared and negotiated loan and lease quotes, managing full sales cycle to secure client financing.
- Calculated pricing, interest, and commission structures; optimized approval workflows to streamline deal closures.
- Created client presentations and proposals to effectively communicate financing solutions.
Business Development Officer
VFI Corporate Finance
Santa Barbara, California
02.2018 - 05.2020
- Generated $7 million in revenue growth by year two through strategic leasing sales and targeted client engagement.
- Cultivated relationships with C-level executives and business owners, generating repeat business and securing referrals.
- Presented and closed tailored leasing proposals aligned with client cash flow and balance sheet objectives.
- Managed full sales cycle: prospecting, needs analysis, negotiation, and closing to enhance client satisfaction and retention.
- Implemented pre-call planning and prospecting workflows, boosting outreach efficiency and improving conversion rates.
Director of Sales
Replay XD / AerNow
Newbury Park, California
01.2014 - 02.2018
- Launched commercial sales initiatives and achieved $2.0m in first-year revenue through targeted go-to-market strategies.
- Negotiated strategic deals with C-level executives, managed key accounts, and led product launches, enhancing market visibility and driving sales growth.
- Established international product distribution partnership with COI in Belgium, enabling successful entry into European market.
- Increased European action camera sales by 5% within six months via localized promotions and distributor engagement.
- Represented company at networking and community events and large trade shows, strengthening channel relationships and generating leads.
MLO Servicing Team Manager
Bank of America
Simi Valley, California
11.2012 - 01.2014
- Led QA team of 8–14 associates to meet quality assurance goals through targeted initiatives.
- Managed training, performance reviews, and hiring for QA associates to build a high-performing team.
- Implemented process improvements in QA, resulting in enhanced operational efficiency and accuracy.
- Maintained loan tracking systems to support trend analysis and enhance reporting accuracy.
Education
Bachelor of Science - Finance
California State University, Northridge
Northridge, CA05-2010
Skills
- Wealth management
- Financing solutions
- Risk assessment
- Loan compliance
- Documentation compliance
- Portfolio strategies
- Investment recommendations
- Cash flow optimization
- Risk mitigation
- Client acquisition
- Cross-selling
- Client approval
- Onboarding initiatives
- Site visits for clients
- Financial modeling
- ACH and payment solutions
- Salesforce skills
- Prospecting techniques
- Stakeholder engagement
- Leadership skills
- Relationship management
Selected Achievements
- Established a new portfolio of 50–100 clients within the first 6 months and built/maintained high-value portfolios of business owners and HNW clients, increasing deposit and fee income through targeted cross-sell.
- Structured business credit facilities up to $1M while maintaining strong documentation and risk controls.
- Generated $7M in revenue by year two through strategic leasing sales and C-level engagement.
- Created an international distribution partnership in Belgium with a COI and achieved 5% growth in European sales within six months. Gold Circle award winner.
- Expanded referral networks through COI cultivation and targeted outreach.
- Mentored junior bankers and sales associates; led training on sales fundamentals and business development.
Certification
- SIE, Series 6, Series 63, Insurance
Timeline
Private Client Relationship Manager - Private Bank
First Horizon Bank
10.2025 - Current
Private Client Banker
JPMorgan Chase
10.2021 - 10.2025
Finance Manager
Ascentium Capital (by Regions Bank)
05.2020 - 09.2022
Business Development Officer
VFI Corporate Finance
02.2018 - 05.2020
Director of Sales
Replay XD / AerNow
01.2014 - 02.2018
MLO Servicing Team Manager
Bank of America
11.2012 - 01.2014
Bachelor of Science - Finance
California State University, Northridge