Desiree Howe
Quakertown,PA
Summary
Performance-oriented Sales Leader offering exceptional record of achievement over 20-year career. Tenacious manager with strategic and analytical approach to solving problems, bringing in customers and accomplishing profit targets. Talented in identifying and capitalizing on emerging market trends and revenue opportunities.
Overview
8
8
years of professional experience
Work History
Commercial Relationship Manager, VP
MIDFLORIDA
10.2018 - Current
- Consistently exceed sales targets and increase profitability through new business development, client retention, community networking and involvement.
- Demonstrate expertise in various types of commercial loans including; investment real estate, real estate purchase & refinance, construction term & lines of credit, revolving lines of credit.
- Collaborate with underwriters after I complete financial analysis to ensure accurate risk assessments for new loan applications, resulting in faster approvals, fewer rejections, and improved credit quality.
- Present loan recommendations to the executive credit committee, providing persuasive rationale for approval based on comprehensive financial analysis and sound judgment.
- 2023 Year End Results: $17.4MM loans; $7.2MM deposits; 95% client retention
Market Leader, VP
Truist
08.2017 - 09.2018
- Team achieve Top 10% of Company in sales, service, client retention, profitability and operations
- Lead branch with a player - coach mentality to develop a top performing team
- Manage all aspects of HR - interviewing, hiring, reviews, raises, coaching and development, goal setting and career progression, disciplinary if needed
- Business Banking $1MM - $5MM
- Assess local market conditions, identify current and prospect business sales opportunities in deposits, lending, and profitability.
Commercial Relationship Manager, VP
Fifth Third
06.2016 - 08.2017
- Portfolio Growth: $15MM Loans; $6.98MM Deposits; 62% Profitability Growth; 92.8% Operational Scorecard; 93.6% Client Satisfaction; 95% Client Retention
- Manage a portfolio of 75 commercial relationships totaling $69,567,302 loans and 128 accounts totaling $24,731,014 in deposits
- Retain and expand business banking client portfolio as well as develop a strong referral network.
Education
A.S. Business Mgmt. / Finance -
Lehigh Carbon Community College
Skills
- Business Development
- Team Collaboration
- Networking Events
- Leadership
- Forecasting / Business Plan & Strategy Execution
- Contract Negotiation
- Closing talents
- Financial Analysis
- Loan Structure & Underwriting
- Project Management
Awards
- President's Award - 10 Years
- Top 10% of Bank (Market Leader & Commercial Relationship Manager) in sales, service, client retention, profitability and operations.
- Sterling Award - 3 Years
- Top 10% of Bank (Commercial Relationship Manager) in sales, service, client retention, profitability and operations.
Timeline
Commercial Relationship Manager, VP
MIDFLORIDA
10.2018 - Current
Market Leader, VP
Truist
08.2017 - 09.2018
Commercial Relationship Manager, VP
Fifth Third
06.2016 - 08.2017
A.S. Business Mgmt. / Finance -
Lehigh Carbon Community College
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