Summary
Overview
Work History
Education
Skills
Community Service
Timeline
Generic

Christine Held

Saline

Summary

Strategic-thinking professional with expertise driving business growth to exceed expectations. Expert in Treasury Managment and talented coach and mentor.

Overview

31
31
years of professional experience

Work History

Senior Vice President, Cash Managment

Bank of Ann Arbor
11.2008 - Current
  • Identified opportunities to improve business process flows and productivity.
  • Hired and managed employees to maximize productivity while training staff on best practices and protocols.
  • Developed measurement tools, dashboards, and reports to track metrics on adoption and effectiveness of initiatives.
  • Networked with customers, prospects and partners at conferences and trade shows.
  • Formulated and executed strategic initiatives to improve product offerings.
  • Analyzed industry trends and tracked competitor activities to inform decision making.
  • Established and maintained strong relationships with customers, vendors and strategic partners.
  • Monitored key business risks and established risk management procedures.

Vice President - Commercial Lender

Mercantile Bank of Michigan
06.2005 - 10.2008
  • Integral in opening the new Mercantile office in Ann Arbor
  • Collaborated with senior management to develop strategic initiatives and long term goals.
  • Developed innovative sales and marketing strategies to facilitate business expansion.
  • Initiated strategy to drive company growth and increase market share and profitability.
  • Developed medical and dental calling program.
  • Developed lending and deposit business for company.
  • Originated $14,180,000 in commercial and consumer loans.
  • Generated $8,878,000in new deposits.
  • Initiated strategy to drive company growth and increase market share and profitability.
  • Represented organization at industry conferences and events.
  • Embraced growth and excellence-oriented atmosphere to support bank-wide initiatives.
  • Managed assigned loan portfolio for retention, growth and credit.
  • Monitored pipelines to track and log status of loans.
  • Negotiated loan terms and conditions with customers to secure best deal.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Evaluated loan requests and documents to verify accuracy and completeness.

Vice President - Private Banking Commercial Lender

Bank of Washtenaw/Community Bank of Dearborn
03.2001 - 06.2005
  • Responsible for the development and management of the Private Banking Program, consumer and commercial loan origination for high net worth clients.
  • Originated $21,034,000 in new consumer and commercial loans
  • Increased company growth through collaboration with the marketing department.
  • Established and directed successful programs focused on obtaining and maintaining relationships with high net work clients.
  • Developed innovative sales and marketing strategies to facilitate business expansion.
  • Represented organization at industry conferences and events.
  • Formulated and executed strategic initiatives to improve product offerings.
  • Developed lending and deposit business for company.
  • Developed and maintained relationships with customers, lenders and other third parties.
  • Monitored pipelines to track and log status of loans.
  • Negotiated loan terms and conditions with customers to secure best deal.

Private Banking Officer

NBD Bank/Bank One
10.1996 - 03.2001
  • Responsible for acquiring and retaining high net worth clients.
  • Originated over $13,000,000 in new consumer and commercial loans.
  • Referred business to investment management generating $113,829 in revenue annually.
  • Increased deposits by over 350%.
  • Developed relationships with 147 new households.
  • Passed the Series 6 and 63 exams.
  • Analyzed customer profiles to identify appropriate products and provide value-added approaches to client issues.
  • Contacted potential clients to pursue sales and gather funds.
  • Met with clients to generate new business.
  • Represented bank at community events to establish strong ties and promote business.

Branch Manager, Senior Personal Banker

Republic Bank
11.1993 - 10.1996
  • Supervise Retail Banking staff and responsible for monthly branch auditing, daily operational issues, and branch security.
  • Generated over $14,000,000 in new deposits
  • Coordinated and facilitate the opening of a new branch office.
  • Regional coordinator of corporate sales referral program.
  • Personal Banker of the year 1995.
  • Chairman's Circle of Excellence.
  • Personal Banker of the Quarter, 4 Quarters.
  • Personal Banker of the Month, 8 Months
  • Met deadlines by proactively managing individual and team tasks and streamlining processes.
  • Maintained friendly and professional customer interactions.
  • Interviewed and hired talented individuals with top-level strengths, improving organizational talent, and skill set.
  • Complied with regulatory guidelines and requirements.
  • Consulted customers to boost product sales and services.
  • Performed banking, business administration and financial tasks to guarantee outstanding service for clients.
  • Complied with established internal controls and policies.
  • Assisted customers with setting up or closing accounts, completing loan applications, and signing up for new services.
  • Balanced cash drawers and vault accounts on daily basis with zero discrepancies.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Networked to increase client base and encourage existing clients to expand financial portfolios.
  • Cross-sold bank products and services to meet customer needs and provide options.
  • Managed deposits, withdrawals and wire transfers to process smooth banking transactions for clients.

Education

BBA - Finance, Marketing, International Business

University of Cincinnati
Cincinnati, OH
12.1992

Skills

  • Corporate presentations
  • Strategic plans
  • Customer Support
  • Product Management
  • Staff Development
  • Revenue Generation
  • Policies and Procedures
  • Business Development
  • Financial Acumen
  • Process Improvements

Community Service

  • Saline Rotary Club, Saline, Michigan, Past President, Paul Harris Fellow, Committee Chair, March 2002-November 2009; August 2015-Present
  • Ann Arbor Rotary Club, Ann Arbor, Michigan, Member, November 2009-July 2015
  • March of Dimes, Ann Arbor, Michigan, Board Chair, Ambassador Family, Board Treasurer, March for Babies Chair, Signature Chef's Committee, March For Babies Team Coordinator, May 2005-September 2020
  • Saline Music Boosters, Saline, Michigan, Board Member & Treasurer, September 2017-May 2020
  • Saline Middle School PTO, Saline, Michigan, September 2013-May 2016
  • Heritage PTO, Saline, Michigan, Heritage PTO & Fundraising Chair, September 2011-May 2013
  • Wild Swan Theater, Theater, Ann Arbor, Michigan, Board Member, September 2005-September 2009
  • Christmas In Action, Saline, Michigan, Board Member & Golf Outing Chairperson, February 2004-September 2006
  • Briarwood Rotary Club, Ann Arbor, Ann Arbor, Michigan, Board Member & Club Secretary, November 1995-March 2002
  • Christmas In April, Ann, Ann Arbor, Michigan, Board Member, March 1994-May 1997


Timeline

Senior Vice President, Cash Managment

Bank of Ann Arbor
11.2008 - Current

Vice President - Commercial Lender

Mercantile Bank of Michigan
06.2005 - 10.2008

Vice President - Private Banking Commercial Lender

Bank of Washtenaw/Community Bank of Dearborn
03.2001 - 06.2005

Private Banking Officer

NBD Bank/Bank One
10.1996 - 03.2001

Branch Manager, Senior Personal Banker

Republic Bank
11.1993 - 10.1996

BBA - Finance, Marketing, International Business

University of Cincinnati

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Christine Held