Gil Kennedy
San Diego,CA
Summary
Results-driven Business Relationship Manager and team lead with a strong background in business banking and lending. Proven track record of enhancing value for business owners through strategic relationship building and credit advisory. Leveraged eight years of experience in U.S. Navy Special Warfare to excel in team communications and adaptability, ensuring seamless operations and client satisfaction. Committed to fostering partnerships that drive business growth and success.
Overview
23
23
years of professional experience
Work History
Business Center Manager| Relationship Manager
California Bank & Trust
San Diego, USA
02.2021 - Current
- Manage complex portfolio of small business, commercial and corporate banking clients focused on adding value
- Collaborated with SDCBA and internal partners to create Juris banking specialty segment in Downtown SD
- Led Commercial banking team to achieve 105% Loan Deposit Fee income goals for San Diego Business Center
- Originate C&I and CRE loans to grow business center P & L by 1.7% share holder value
- Analyzed risks and profitability of assigned client portfolios to ascertain ongoing favorability and conformity with credit terms
- Developed programs to maximize office profitability, minimize risk and improve customer service and product knowledge
- Acquired, expanded and maintained client relationships with inside and outside business development activities 2022 and 2024 positive household growth
Vice President, Combined Branch Manager -Business Specialty Branches
Union Bank
07.2015 - 01.2021
- Coached and led production to: 283% YOY in business loans, Heloc 331% YOY, and mortgage 280% YOY 2020
- 2018 Booked Loans in two offices Kearny Mesa $15,730MM against goal of $10MM, and Mira Mesa $6.8MM against goal of $6.5MM
- Led team to 163% total loan goal production YTD 2017
- Recognized, as winner of BM personal production campaign in 2017
- Region Business Sales Strategist, leading production, loan packaging, reconsideration's and banker training
- Community leader serving on planning board and also Ad-Hoc chairperson jointly with city's EDD
- Analyzed applicants' financial status, credit and property evaluation to determine feasibility of granting loan
Managing Director Special Projects Implementation
Union Bank
01.2013 - 07.2015
- Collaborated with KPMG to create new business banking sales roles focused on acquisition model
- Created newly formed Community Bank Learning and Development team
- Saved 16M in 1st year costs by developing and managing enterprise wide
- Developed Operations and Sales Centralization process
- Oversight and involvement of over 60 retail banking projects spanning the affluent strategy to branch consolidations improving the banks efficiency rating
Regional Manager, Senior Vice President
Union Bank
01.2012 - 12.2012
- Coach sales and operations production using breakthrough model, facilitated the breakthrough coaching model introduction and training to region branch managers and service managers
- Built Central California Commercial Lending Framework to include collaboration with specialized Agrolending
- Reduced region operating efficiency by 5%, Increased region net operating income YOY by $500M
Licensed Branch Manager, Vice President
Union Bank
03.2002 - 12.2011
- Coached large sales and operations teams, including wealth responsibility centers for improved MOM and YOY performance
- Opened new Priority branch, building assets and liabilities expanding market penetration within wealth segment
- Led branch to 2010 Branch of Year, Presidents Award, #1 out of 386 offices
Education
Zions Bancorp Champions Credit Gold -
California Bank & Trust
San Diego, CA01.2024
Intermediate Commercial Credit -
California Bank & Trust
Salt Lake City, UT01.2022
Retail Leadership Development Program -
Union Bank
01.2012
Business of Banking -
ABA
01.2008
Management Training Program -
Union Bank
California01.2003
Bachelor of Science - Legal Studies
National University
La Jolla, CA07.2002
Skills
- Relationship Management
- Commercial Lending
- Portfolio Management
- Business Development
- Credit Administration
- Profit and Loss Management
- Financial Forecasting
- Financial Statement Analysis
- Cash Conversion Cycle
- Business Negotiation
- Account Analysis Expertise
Accomplishments
- 8 year Navy Veteran, Naval Special Warfare Member, SWCC Operator
Timeline
Business Center Manager| Relationship Manager
California Bank & Trust
02.2021 - Current
Vice President, Combined Branch Manager -Business Specialty Branches
Union Bank
07.2015 - 01.2021
Managing Director Special Projects Implementation
Union Bank
01.2013 - 07.2015
Regional Manager, Senior Vice President
Union Bank
01.2012 - 12.2012
Licensed Branch Manager, Vice President
Union Bank
03.2002 - 12.2011
Zions Bancorp Champions Credit Gold -
California Bank & Trust
Intermediate Commercial Credit -
California Bank & Trust
Retail Leadership Development Program -
Union Bank
Business of Banking -
ABA
Management Training Program -
Union Bank
Bachelor of Science - Legal Studies
National University
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