Debbie Kalec
Dacula,GA
Summary
Results-focused business banking professional with strength in client management, financial analysis and exceptional customer service. Proactive leader with strengths in communication and collaboration. Proficient in leveraging internal and external partnerships to promote a healthy center of influence relationship. Adept at managing concurrent objectives to promote efficiency and influence positive outcomes.
Overview
22
22
years of professional experience
Work History
Commercial Banking Relationship Manager
Georgia's Own Credit Union
ATLANTA, GA
01.2022 - Current
- Researched, analyzed and evaluated client's financial data to determine creditworthiness.
- Negotiated loan terms with customers while adhering to bank policies and procedures.
- Cultivated relationships with existing clients to ensure satisfaction and future business opportunities.
- Managed a portfolio of commercial banking accounts, including monitoring cash flow, analyzing credit risk, approving loans, and recommending debt restructuring plans.
- Reviewed customer documents for accuracy prior to submission of loan applications.
- Developed and strengthened client relationships to support company service and business objectives.
- Analyzed applicant financial and credit status, evaluating assets and risk to determine loan feasibility.
- Approved or denied loan applications and explained reasoning behind decisions.
Senior Business Banking RM, Vice President
Synovus Bank
Suwanee, GA
10.2018 - 03.2021
- Selected as BB Team lead to coach and mentor new teammates providing best practices, share resources available, motivate, provide emotional support and other tasks, as assigned.
- Actively called on businesses with annual revenue up to $10MM to provide expert financial advice on various bank solutions to improve efficiencies.
- Negotiate appropriate pricing, structure and fees for deposit and lending products ensuring bank probability is achieved.
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan..
- Met and consistently exceeded revenue targets with proactive, customer-specific activities to ensure success.
- Worked closely with internal team members to deliver project requirements and develop customer centric solutions.
- Demonstrated self-reliance by meeting and exceeding workflow needs.
- Juggled multiple projects and tasks to ensure high quality and timely delivery.
Business Banker RM, Vice President
PNC Bank
Duluth , GA
01.2017 - 10.2018
- Actively called on prospects and business clients with annual revenue of $1MM to $5MM.
- Established rapport and gained authorization to develop individualized proposals to provide solutions to client needs to improve efficiency and save time.
- Delivered informational sales presentations to current clients and prospects to build symbiotic client relationships.
- Gathered required information from customers for submission of either deposit or lending solutions.
- Delivered presentations to key decision makers and offered financial recommendations.
- Exceeded customer satisfaction by finding creative solutions to problems.
- Provided excellent service and attention to customers when face-to-face or through phone conversations.
- Partnered with other lines of business and retail teams to establish healthy partnership to promote referrals to and from each other.
Branch Manager, Vice President
PNC Bank
Dacula, GA
01.2004 - 12.2016
- Successfully worked with entire region to assist in increasing Client Engagement Levels and Employee Engagement levels.
- Performed branch visits to prepare bankers for Orange Belt Certification with the PNC Conversation which heavy focus on role-plays.
- Responsible for ongoing Employee Engagement conference calls to increase Human Sigma results.
- Excel at high-profile management position accountable for soliciting business accounts and developing loyal relationships.
- Interact within the community to increase brand awareness.
- Effectively lead Eco System meetings with business partners to create synergy and openly communicate how to partner together more effectively.
- Handle all Human Resources related issues included hiring process, disciplinary infractions, and terminations.
- Created strategies to develop and expand sales of services to new and existing clients resulting in overall increased annual revenue.
- Selected as Market Advisory Board Member for Human Sigma to improve Client and Employee Engagement.
- Black Belt Certified to coach and teach PNC Conversation to increase client share of wallet.
Education
Early Childhood Education
Delta State University
Cleveland, MSSkills
- Strategic and Disciplined Leader
- Collaborator
- SalesForce User
- Team Management
- High Performing with Sense of Urgency
- Problem resolution
- Reliable and trustworthy
- People-oriented
- Success Driven Leader
Affiliations
- Leadership Gwinnett Alumni, Class of 2012
- Bethany Christian Services Board Member, 2018- Present
- Board of Directors, Christmas in Dacula 2014
- PNC Market Advisory Member, Human Sigma
- Staff Parish Relations Chairman DUMC, 2015-2020
- Health & Human Services Committee Member/Leadership Gwinnett
- Dacula Business Association / President 2013-2014 Term
- Dacula Business Association/ VP of Event 2009-2011 Term
- Gwinnett County Public Library, “Save The Library” / Community Leader 2010
- Finance Committee Member for DUMC 2008, 2010, 2014, 2018
Timeline
Commercial Banking Relationship Manager
Georgia's Own Credit Union
01.2022 - Current
Senior Business Banking RM, Vice President
Synovus Bank
10.2018 - 03.2021
Business Banker RM, Vice President
PNC Bank
01.2017 - 10.2018
Branch Manager, Vice President
PNC Bank
01.2004 - 12.2016
Early Childhood Education
Delta State University