Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
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Craig Goldberg

Mt Pleasant,SC

Summary

Accomplished finance professional with extensive business development, leadership, and networking experience. Proven track record of delivering successful financing solutions to the Charleston market. Proven ability to assemble and develop teams, create and execute strategic plans with superior results.

Overview

35
35
years of professional experience

Work History

Consulting Chief Financial Officer

Multiple companies
Charleston , SC
01.2021 - Current
  • Revised comprehensive financial reporting package to reflect increased organizational complexity and managed financial reporting processes to ensure internal and external financial results comply with Generally Accepted Accounting Priciples
  • Oversee monthly, quarterly and annual financial reporting and developed annual operating budget and multi-year projections
  • Prepare financial forecasts to support fiscal planning and management
  • Coordinated financial statement reviews to generate variance reporting and analysis of year-to-date and forecast performance against expectations
  • Recommend adjustments to fiscal policies based on available company resources and desired outcomes
  • Developed and implemented financial strategies to drive growth, improve profitability, and maximize long-term value
  • Created annual budgets and monitored performance against them to ensure objectives were achieved
  • Conducted regular financial reviews of operations to identify areas for improvement in terms of cost savings or process improvements
  • Provided strategic advice on capital structure, debt financing, investments, acquisitions, divestitures and other corporate finance matters

Senior Vice President - Commercial Lending Officer

Aquesta Bank
Charleston, SC
11.2019 - 01.2021
  • Sourced and closed over $15,000,000 in loans and generated over $172,000 in loan fees in the first year (bank with balance sheet of less than $750,000,000 and no physical location in market)
  • Referred over $10,000,000 in closed 7A loans (handled by a separate group within Bank)
  • Utilized SBA 504 program to enhance opportunities for bankable transactions.
  • Analyzed, negotiated terms and pricing with customers of new commercial relationships
  • Developed and maintained strong working relationships with employees, executives, and other stakeholders. Coordinated staff across multiple locations and successfully achieved or exceeded rigorous targets

Senior Commercial Loan Officer

Bank Of The Lowcountry
Mt Pleasant, SC
10.2018 - 08.2019
  • Established a commercial lending office in Charleston, underwriting and obtaining approval for over $12 million of new commercial exposure, even during the COVID closure
  • Collaborated with management to evaluate commercial strategies and provided financial and market data analysis to leadership teams.

Management Consulting

Streetman, Jones & Powers, LLC
Charleston, SC
01.2008 - 09.2018
  • Managed management consulting services for engagements in corporate restructuring, bank financing, commercial real estate, and Commercial & Industrial;
  • Established Defense Contracting consulting group and Southeastern Dental Consultants
  • Maximized resources to expand services within budget
  • Collaborated with Accounting and Tax areas to enhance procedures and increase efficiency

Senior Vice President - Head, Mortgage Banking

South State Bank
Charleston, SC
01.2006 - 01.2008
  • Managed the mortgage banking line of business - responsible for recruiting, management, production, and profitability for the line of business

Vice President - Private & Mortgage Banker

Wells Fargo, NA
Charleston, SC
01.1999 - 01.2005
  • Private Banking/mortgage banking – Began as a Wealth Relationship manager
  • Transitioned to Private Mortgage Banking
  • Focused on underwriting self-employed borrows with large number of entities drawing on experience underwriting cash flow of business entities

Assistant Vice President - Bank Lending Officer

Bank Of America, N.A.
Charleston, SC
06.1989 - 01.1999
  • Held various roles of increasing responsibility that included managing a portfolio of middle-market commercial and industrial relationships (revenues of > $20,000,000), including providing traditional bank debt, treasury management, capital markets, international banking, debt placement, interest rate derivatives, foreign exchange, and merger & acquisition advisory
  • Previous roles included managing a commercial real estate portfolio in the Hilton Head market; special asset management in commercial real estate; managed the South Carolina credit department that provided credit review and underwriting for the middle market lenders throughout South Carolina

Education

Bachelor of Science - Business Administration – Finance and Marketing

University of South Carolina

Commercial Relationship Manager Development Program -

Bank of America
Columbia, SC

Skills

  • More than twenty years developing centers of influence in the Charleston market including CPAs / CFOs / top performing commercial real estate agents / financial planners / independent wealth managers
  • Extensive consultative business development skills
  • Excellent financial analysis skills
  • Credit structuring
  • Loan portfolio monitoring
  • Intuit QuickBooks
  • Salesforce
  • Property Evaluation
  • Microsoft Office

Affiliations

  • Charleston CFO Council
  • Commercial Investment Division - Charleston Association of Realtors
  • Past Chairman Leadership Charleston – Charleston Metro Chamber of Commerce
  • Urban Land Institute
  • Charleston Defense Contractors Association
  • Rotary International
  • Toastmaster's International

Timeline

Consulting Chief Financial Officer

Multiple companies
01.2021 - Current

Senior Vice President - Commercial Lending Officer

Aquesta Bank
11.2019 - 01.2021

Senior Commercial Loan Officer

Bank Of The Lowcountry
10.2018 - 08.2019

Management Consulting

Streetman, Jones & Powers, LLC
01.2008 - 09.2018

Senior Vice President - Head, Mortgage Banking

South State Bank
01.2006 - 01.2008

Vice President - Private & Mortgage Banker

Wells Fargo, NA
01.1999 - 01.2005

Assistant Vice President - Bank Lending Officer

Bank Of America, N.A.
06.1989 - 01.1999

Bachelor of Science - Business Administration – Finance and Marketing

University of South Carolina

Commercial Relationship Manager Development Program -

Bank of America

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