James Garner

• Prepared and processed PPP loans during epidemic

• Opened a new office in Plant City and met the given budget within 9 months on a goal of 18 months.

• Banks Top Producer for the past three years

• Consistent loan production of $25mm+ and deposit production of $10mm+ for the past three years.

• Board member of the EDC

• Plant City Chamber ambassador

• Ambassador Leader for bank initiatives 2024

• Analyzed financial and credit data to evaluate the creditworthiness of potential borrowers.
• Developed loan packages with appropriate terms, conditions, and repayment options for commercial loans.
• Conducted periodic reviews of existing loan portfolio to ensure compliance with all applicable regulations.

• Conducted periodic reviews of inventory levels and product mix in stores.
• Provided guidance on the implementation of new policies and procedures in stores.
• Scheduled regular meetings with store teams to discuss objectives, performance metrics and customer feedback.
• Analyzed financial data such as sales reports, budgets and payroll records to identify areas of improvement.
• Reviewed staffing needs to ensure adequate coverage at all times in stores.
• Oversaw the recruitment process for new staff members including interviewing and training.
• Identified business opportunities by analyzing consumer trends within local markets.
• Maintained an up-to-date knowledge of industry trends, legal requirements and competition activities.
• Collaborated with other departments such as Human Resources or Marketing on initiatives related to Area Management duties.
• Monitored and evaluated district performance to ensure goals were met.
• Developed strategies for increasing sales, market share and customer satisfaction.
• Implemented training initiatives to coach staff on best practices and protocols for enhanced profitability.
• Supervised employees, ensuring optimal productivity.
• Implemented new processes and procedures tactfully and passionately.
• Revitalized underperforming teams and transformed profitability and productivity through targeted training.
• Identified and developed top talent to promote performance-oriented culture.
• Enhanced sales volume through skilled support to both new and inactive customers.
• Directed and coordinated products, services and sales activities.
• Supported sales team members to drive growth and development.
• Built sales forecasts and schedules to reflect desired productivity targets.
• Established ambitious goals for employees to promote achievement and surpass business targets.
• Used change methodologies to increase sales and led projects for increased productivity.
• Developed and significantly grew assigned territory using strong engagement and marketing skills.

• Directed daily operations of the branch, including customer service, human resources, sales and marketing activities.
• Developed strategies to increase customer satisfaction and loyalty.
• Managed staff scheduling, hiring and training processes.