Joey Salmon

• Manage operations for a 300+ unit portfolio, overseeing leasing, budgeting, and resident relations.

• Led the successful lease-up of 11 new buildings (145 units) in a brand-new development, achieving over 100% occupancy at one point through proactive pre-leasing before buildings opened.

• Maintain occupancy above 94% across all properties, consistently keeping communities out of red-flag status.

• Recognized as the top-performing leasing agent since joining the company, known for professionalism, dependability, and exceptional resident relations.

• Established a strong referral network and relationships with bankers, brokers, CPAs, accountants, lawyers, and other COIs to solicit new SBA 504 loan opportunities.
• Partnered with bank officers and borrowers to collect financials, determine SBA loan eligibility, discuss loan structure, and negotiated terms.
• Prepared SBA loan summaries, reviewed and analyzed financials, completed initial underwriting, and prepared credit memos to present to Board of Directors, prior to submitting to SBA.
• Developed and maintained knowledge of financial industry, economy, market conditions, rates, vendors and competition.

• Developed and maintained new and existing relationships by engaging in business development activities and soliciting new business with a focus on loan growth.
• Successfully managed a $25MM loan portfolio that consisted of C & I, owner-occupied CRE, and Multi-family Investment RE.
• Targeted, Profiled, and Solicited new middle-market businesses that generate $5MM - $25MM in revenue.
• Structured complex loans that include participation, SBA 504, and construction to meet the needs of business customers while minimizing risks to the bank.

• Managed a portfolio of existing commercial loans by conducting periodic reviews of client financials and industry trends.
• Analyzed customer's financial status, credit and property evaluation to determine feasibility of granting loans.
• Negotiated terms of financing with customers while adhering to underwriting standards.
• Developed relationships with commercial customers to better understand their business needs and identify solutions for them.

• Built strong relationships with customers by providing exceptional service throughout the entire loan process.
• Analyzed credit reports, tax returns and other documents necessary for loan processing.
• Negotiated terms on loans including interest rates, fees, repayment schedules.
• Advised borrowers on all aspects of their loans including payment options, refinancing opportunities.

• Maintained knowledge of bank products, services, policies, procedures, and regulations.
• Identified cross-selling opportunities and recommended banking products and services to customers.
• Helped new and existing clients open personal accounts and resolve issues related to ATM machines and online banking.
• Generated sales leads through outbound calls or referrals from existing customers.

• Greeted visitors and callers and handled inquiries and directed them to appropriate people according to needs.
• Provided administrative support to management staff, including scheduling meetings and appointments, preparing agendas, taking minutes, and maintaining records.
• Assisted in the preparation of presentations using Microsoft Office Suite applications such as Word, Excel, PowerPoint.

• Processed customer transactions that included deposits, withdrawals, and loan payments also issued government bonds and monetary instruments.
• Provided exceptional customer service to ensure customer satisfaction.
• Maintained knowledge of company products to provide helpful suggestions and recommendations to customers.
• Identified opportunities for upselling additional products or services based on customer needs.