Heidi P. Whelan-Zorse

The Division Healthcare Manager is accountable for management of complex/critical/large professional disciplinary areas. Leads and directs a team of 12 professional business development officers to prospect quality new to bank healthcare clients as well as deepen existing client relationships in support of specific business growth. Assist team members in managing sales cycle including pipeline development, due diligence research, support of deal negotiation and/or closure, as well as project/program management and implementation. business goals. Develops consistent management routines to drive results, share best practices, manage performance, set clear expectations, and keep team focused on business goals. Has the comprehensive understanding of multiple areas/industries with a function and how they interact in order to achieve the objectives of the function. Applies in-depth understanding of the business impact of techinical contributions. Digests and assimilates vast communications across the Bank, delivering key messages and priorities with team such as business strategy, customer offers, and marketing campaigns. Establishes and maintains key relationships and business contacts with the healthcare industry for the Northeast Region to create opportunities for growth. Speaks on behalf of the bank at external conferences, trade shows, association meetings and other external venues. Possess commercial awareness and ability to provide team members with constructive insights on macro-economic trend, market conditions, industry knowledge/trends and competitive for uncovering business opportunities. Work in reviewing credit assessments and monitoring risk issues (both originations as well as portfolio) for the team. Holds team accountable for delivery of a full range of services to one or more geographic regions. Excellent communication skills in order to negotiate internally with multiple segment partners and senior leaders. External communication as a brand ambassador as well as to key stakeholders and end users. Accountable for the end results (sales productivity and revenue) of a region. Exercises control over resources, policy formulation and planning. Primarily affects a sub-function. Involved in short-to medium-term planning of actions and resources for own region. Full management responsibility of a team, including management of people, budget and planning, including performance evaluation, compensation, hiring, disciplinary actions and terminations and budget approval.

Assess risk when business decisions are made, demonstrating particular consideration for the bank's reputation, it's clients and assets, by driving compliance with applicable laws, rules, and regulations, adhering to Policy, applying sound judgement regarding personal behavior, conduct and business practices, and escalating managing and reporting control issues with transparency , as well as effectively supervise the activity of others and crate accountability with those fail who to maintain these standards.

Executed integrated sales, service and relationship. Strategizes to support growth and retention of healthcare customers in NYC. Responsible for developing new to bank business relationships with healthcare companies and referral sources as well as a cross-marketing of services to existing clients through segment-based sales plans to achieve revenue growth targets and maximize operating capabilities and profitability. Segment includes those clients with revenues from $1 to $20 million annually. Partnered with Citi Businesses m(i.e. Commercial Banking, Treasury, Wealth, etc) to ensure ongoing and appropriate communication to support overall client and franchise objectives. Used sound judgement in qualifying potential customers/deals as well as recommending the right financial solutions/products for the customer. Ensure customers meet credit/compliance criteria before submitting to centralized credit for approval. Demonstrated an ability to be subject matter expert and act as a consultant to Internal/External referral sources. Strong working knowledge of credit structuring and processing; Commercial Credit trained.

Proven track record of CRE lending as well as call reporting and monitoring. Good understanding of appraisal and environmental requirements. Built and maintained strong relations\hips with underwriting department and bankers in the field.

Sharp, proven business development focus Healthcare.

Managed a team to developed personal & business relationships with affluent clients. Collaborated with partners regarding development and implementation of cross selling initiatives.

Built strong rapport with both potentials and existing clients.

Educated customers on the benefits fo new products and account programs.

Increased sales potential by formulating suggestions to place current promotions and offers at each teller station to have the materials steadily available to present to clients when approached.

Consistently exceeded monthly sales goals while providing the highest level of customer service.

Perceptive with sound business acumen and commerical flair needed to identify and understand diverse markets and industry potential and new business.

Achieved revenue and customer retention goals while increasing client profitability through relationship building, outstanding deliver, cross selling, and referral development.