John Floyd
Lizella,GA
Overview
28
28
years of professional experience
Work History
Senior Small Business Direct Consultant
TRUIST BANK
05.2023 - Current
- Conducted in-depth financial statement analysis for over 100 small business clients annually, including ratio analysis, trend analysis, and cash flow projections, ensuring compliance with bank and SBA credit policies.
- Assessed the creditworthiness of loan applicants by reviewing credit reports, collateral valuations, and personal financial statements.
- Evaluated and structured over $5 Million in Small Business Administration (SBA) loan requests per year, meticulously ensuring alignment with federal standards, credit risk policies, and relevant industry regulations (e.g., SBA SOPs).
- Recommended financial terms that balanced client needs with the bank's risk tolerance, resulting in a 15% reduction in portfolio delinquency rate.
- Utilized sound judgement and risk analysis to maintain a loan portfolio with a 2% default rate, significantly lower than the industry average.
- Consulted with clients on a broad array of financial products and services, identifying their needs and recommending optimal solutions such as term loans, lines of credit, and commercial real estate financing.
- Researched market availability and aligned customer financial requirements with available products and services, ensuring optimal utilization of financial resources for business development.
- Structured complex business loans by coordinating with multiple departments, similar to determining procurement methods and developing solicitation packages to meet organizational requirements.
- Collaborated with internal legal counsel and credit risk teams to meticulously review and approve loan agreements, ensuring compliance with all applicable laws, regulations, and internal policies.
- Maintained a perfect compliance score during internal and external audits.
- Prepared comprehensive loan packages and term sheets that clearly outlined conditions, pricing, and special requirements, ensuring full transparency and compliance for all parties involved.
- Skillfully negotiated loan terms with clients, balancing regulatory compliance, client needs, and the bank's financial objectives, resulting in a 10% increase in loan profitability while maintaining strong client relationships.
- Continuously monitored ongoing loan performance and compliance with established terms, promptly taking corrective action when performance concerns arose, minimizing potential losses and ensuring the health of the loan portfolio.
- Successfully resolved 95% of delinquent loans through proactive communication and negotiation.
- Provided ongoing consultative advice on cash management, online banking, and investment services, establishing myself as a trusted advisor throughout the lifecycle of each client relationship.
- Compiled lessons learned from loan reviews and customer engagements, identifying areas for improvement and ensuring consistent application of policies, contributing to a 5% increase in loan processing efficiency.
- Supervised a team of 5 staff members, managing compliance with institutional policies and regulatory requirements, while also leading all branch-level operations.
- Trained new employees on financial services, customer relationship management, and compliance processes, resulting in a 20% improvement in their performance metrics.
Licensed Financial Specialist
WACHOVIA BANK
06.2005 - 07.2007
- Evaluated customer creditworthiness through detailed reviews of assets, liabilities, cash flow, insurance coverage, and tax status to determine appropriate financial solutions, assisting an average of 30 clients per month in making financial decisions.
- Educated clients on the risks and regulatory requirements associated with investment products, ensuring decisions were aligned with both client goals and compliance standards.
- Maintained a 0% non-compliance rate with all bank compliance standards.
- Conducted structured interviews to analyze customer financial objectives, comparable to requirements gathering and evaluation in federal acquisition planning.
- Successfully translated client needs into tailored solutions, resulting in a 25% increase in client investment portfolio size on average.
- Assessed client needs and recommended tailored banking or investment solutions (e.g., retirement planning, college savings, investment accounts), comparable to evaluating requirement documents for completeness and determining the optimal procurement strategy.
- Developed and presented financial strategies that aligned available products with customer objectives, mirroring the process of analyzing available acquisition approaches to satisfy mission needs.
- Presented complex financial concepts in a clear, concise manner to ensure client understanding and informed decision-making, similar to preparing and communicating solicitation requirements and contract terms.
- Successfully educated clients on the long-term financial effects of their banking decisions.
- Maintained full compliance with industry laws, regulations, and institutional policies (e.g., SEC, FINRA), directly reflecting federal competencies in ensuring contracts and procurements adhere to the Federal Acquisition Regulation (FAR) and related policies.
- Delivered superior customer service by promptly addressing inquiries and guiding clients through financial decisions, comparable to managing stakeholder expectations throughout the contract lifecycle.
- Resolved client issues with a 98% satisfaction rate.
- Applied strong organizational skills to manage multiple client portfolios and financial solutions simultaneously, ensuring efficiency and accuracy.
- Managed an average portfolio of $500,000 worth of client assets.
Courier
FEDEX CORPORATION
08.1997 - 07.2003
- Coordinated the daily movement of approximately 100-150 high-value and sensitive shipments across regional and national networks, ensuring efficiency and reliability.
- Optimized delivery routes daily to reduce transit times and improve overall operational efficiency, saving an estimated 10-15% in fuel costs and delivery time.
- Supported the flow of goods across multiple checkpoints, ensuring seamless transitions and preventing delays, comparable to managing federal supply chains where precise scheduling and coordination are critical to mission success.
- Maintained accurate accountability of packages through scanning systems and tracking technologies, mirroring federal inventory control and property accountability requirements.
- Achieved a 99.9% accuracy rate in package tracking and accountability.
- Verified shipment documentation and ensured chain-of-custody protocols were maintained, ensuring compliance with organizational and regulatory standards.
- Monitored package volumes and trends, providing insights into workload distribution and inventory fluctuations.
- Reported these trends to supervisors, allowing them to make informed decisions about staffing and resource allocation.
Timeline
Senior Small Business Direct Consultant
TRUIST BANK
05.2023 - Current
Licensed Financial Specialist
WACHOVIA BANK
06.2005 - 07.2007
Courier
FEDEX CORPORATION
08.1997 - 07.2003