George H. Taylor III
Portland
Summary
To secure a challenging position that offers me the opportunity to assist businesses with their business banking needs; by providing access to a breath of services that assist with accelerating A/R collections, extending A/P terms, fraud prevention, provide access to credit and management of liquidity -all done using a robust business online banking platform.
Overview
22
22
years of professional experience
Work History
Sr. Business Lending Officer III
iQ Credit Union
04.2024 - Current
- Market Segmentation: All Member/Borrowers Commercial Real Estate, SBA, and C&I Lending Needs
- Lending Authority: $50M for unsecured credit and $250M for secured credit
- Currently manage a portfolio of 37 Members business relationships with combined loan balances of $74 million
- Daily responsibilities include member engagement, loan origination, underwriting, decisioning loan requests, portfolio monitoring, covenant testing, risk rating decisions, and community involvement
- The portfolio of member business loans includes the following categories and types of loans:
- Investor CRE: multi-family, retail industrial, special purpose, mixed use, office, construction to perm, senior living and non-spec land acquisition
- C&I: lines of credit, term loans, owner/user real estate, equipment loans, SBA loans, and letters of credit.
VP, Sr. Commercial Banking Officer
State, Umpqua Bank
03.2019 - 04.2024
- Middle Market Banking Group, Market Segmentation: C&I businesses with annual revenues between $5 million & $100 million
- Lending Authority: $250M single credit authority and $100M special credit authority designation
- Managed 42 middle market client relationships with combined loan commitments of $72 million, loan outstanding’s of $55 million and core deposits of $47 million: leading an extended group of bank partners in the effective delivery of solutions and services
- Loan structuring and decisioning also included SBA-7A, SBA-504, and SBA-Express loan programs
- Job Responsibilities:
- Onboarding of new client relationships and expanding existing relationships
- Establish, and negotiates as necessary, the terms under which credit is extended, including fees, rates, risk ratings, collateral requirements, and method of repayment
- Develop materials for, and makes loan presentations to, Credit Administration, Credit Risk, and Senior Loan Committee, as required
- Perform all required loan portfolio management duties, including but limited to monthly, quarterly, and annually monitoring of loan covenant requirements
- Ensure that all proper due diligence is performed to determine the credit worthiness of both borrowers & guarantors and evaluate if the merits of the loan request fall within credit policy Maintain a deep understanding of all cash management solutions and services to help clients with improving A/R collections, A/P terms, fraud prevention, and liquidity management; all through a robust digital online banking platform
- Achieve individual production goals to support the Bank in achieving its overall financial goals
- Establish and maximize COI networks and external relationships.
VP, Sr. Business Banking Relationship Manager
Washington State, Bank of America
03.2013 - 03.2019
- GCIB) Market Segmentation: C&I businesses with annual revenues between $5 million & $50 million
- Managed a portfolio of 56 client relationships with combined loan commitments of $130 million and core deposit of $87 million
- Loan structuring and decisioning also included SBA-7A, SBA-504, and SBA-Express programs
- Job Responsibilities:
- Onboarding of new client relationships and expanding existing relationships
- Establish, and negotiates as necessary, the terms under which credit is extended, including fees, rates, risk ratings, collateral requirements, and method of repayment
- Perform all required loan portfolio management duties, including but limited to monthly, quarterly, and annually monitoring of loan covenant requirements
- Ensure that all proper due diligence is performed to determine the credit worthiness of both borrowers & guarantors and evaluate if the merits of the loan request fall within credit policy
- Maintain a deep understanding of all cash management solutions and services to help clients with improving A/R collections, A/P terms, fraud prevention, and liquidity management; all through a robust digital online banking platform
- Achieve individual production goals to support the Bank in achieving its overall financial goals
- Establish and maximize COI networks and external relationships.
VP, Business Banking Client Manager
PNC Bank
02.2008 - 03.2013
- Market Segmentation: C&I businesses with annual revenues between $1 million & $30 million
- Job Responsibilities Managed a portfolio of 75 clients with annual revenues between $2.5 million and $50 million.
VP, Business Banking Client Manager
Bank of America
03.2003 - 02.2008
- Market Segmentation: C&I businesses with annual revenues between $5 million & $50 million
- Job Responsibilities Managed a portfolio of 85 clients with annual revenues between $2.5 million and $50 million.
Education
Associates Degree - General Studies
Anne Arundel Community College
Arnold, MDJune-2000
Bachelor Degree - Business Administration
Warner Pacific University
Portland, ORMay-2016
Skills
Commercial Underwriting
Credit Risk Management
CRE Lending
C&I Lending
Trade Finance
Cash Management
Portfolio Management
Loan Originating
Financial Reporting
Additional Information
- SPECIAL SKILLS & AWARDS , Awarded 1994 Maryland Heroism Award Awarded 2004 & 2005 Bank of America’s Circle of Excellence. Awarded 2009, 2010 & 2012 PNC Bank’s Circle of Excellence.
Timeline
Sr. Business Lending Officer III
iQ Credit Union
04.2024 - Current
VP, Sr. Commercial Banking Officer
State, Umpqua Bank
03.2019 - 04.2024
VP, Sr. Business Banking Relationship Manager
Washington State, Bank of America
03.2013 - 03.2019
VP, Business Banking Client Manager
PNC Bank
02.2008 - 03.2013
VP, Business Banking Client Manager
Bank of America
03.2003 - 02.2008
Associates Degree - General Studies
Anne Arundel Community College
Bachelor Degree - Business Administration
Warner Pacific University
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