J Michael Troutman
Summary
Results-driven banker with significant experience in both business development and credit analysis/approval. Track record of multi-faceted successes in changing environments. Demonstrated record of success in building successful teams and managing operations to goals.
Overview
37
37
years of professional experience
Work History
Senior Vice President Middle Market Banking
Truist Bank
06.2015 - Current
- Leading an experienced middle market banking team bringing financial solutions to large privately-held companies in Central and Western PA. Successfully grew loan and deposit balances and increased fee income, achieving targeted goals every year.
- Managing a business book of over $1.5B in loans and $300MM in deposits.
- Maintained consistent and high credit quality.
- Successfully opened Western PA Middle Market for Truist Bank, recruiting two new bankers and growing the business to over $100MM in commitments in the first year.
- Member of Regional Leadership team.
Senior Vice President Middle Market Banking
Citizens Bank
12.2001 - 06.2015
- 2011-2015. Led a Portfolio Underwriting and Management team, covering suburban Philadelphia, Delaware and Central PA, Responsible for credit opportunity underwriting and portfolio management, as well as having shared credit approval responsibility. Maintained satisfactory metrics and supported growth of loan portfolios. Improved team results by adding experienced underwriters and eliminating under-performers.
- 2004-2011. Managed Middle Market Banking coverage team in Central PA. Stepped into leadership of what had been an underperforming lending team. Grew the book of business year over year, while maintaining good credit quality. Upgraded collective team skill set and talent level by adding experienced bankers to the group.
- 2001-2004. Middle Market Banking Regional Credit Officer. Signature credit authority for Commercial & Industrial lending in Central PA, Northeastern PA and Maryland. Was credit approver for government contracting lending in Maryland team.
- On an ad hoc basis, was a member of due diligence team reviewing contemplated bank acquisitions.
Vice President Middle Market Banking
Mellon Bank
01.1987 - 12.2001
- 1996-2001. Regional Credit Officer, Middle Market Banking. Credit approval responsibility for Middle Market Banking in Harrisburg, State College, Wilkes Barre and Maryland. Supported growth of book while maintaining satisfactory credit quality.
- Served as member of diligence teams for contemplated acquisitions.
- Served as a member of teams reviewing and advisory executive leadership on credit policies and credit delivery.
- 1987-1996. Vice President, Middle Market Banking. Coverage banker representing Mellon Bank in Central PA.
Education
Bachelor of Science - Science
Pennsylvania State University
University Park, PAMBA - Finance
Colorado State University
Fort Collins, COSkills
- Judgment and Decision-Making
- Business Development
- Business Credit Analysis
- Team Development
Timeline
Senior Vice President Middle Market Banking
Truist Bank
06.2015 - Current
Senior Vice President Middle Market Banking
Citizens Bank
12.2001 - 06.2015
Vice President Middle Market Banking
Mellon Bank
01.1987 - 12.2001
Bachelor of Science - Science
Pennsylvania State University
MBA - Finance
Colorado State University