JOSEPH COOK
Fremont,CA
Summary
- Business Relationship Manager with 24+ years in banking, specializing in C&I and CRE lending.
- Results-driven Relationship Manager experienced in Business Development, Portfolio Management, and Financial Statement Review.
- Well-versed in structuring Credit Deals and Risk Assessment while negotiating loan terms to meet the client needs.
- Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals.
Overview
22
22
years of professional experience
Work History
VP, Relationship Manager
Heritage Bank of Commerce
01.2023 - Current
- Manage a portfolio of high net worth clients with annual revenues from $5MM to $65MM.
- Partnered with the Special Assets Manager to discuss CRE prospects and deal structuring.
- Worked closely with the credit team to manage and resolve problem credits.
- Analyze third-party reports, including appraisals, environmental assessments, and prelims, to better understand the parameters and risks of the subject request.
- Consistently exceeded sales goals by cultivating a strong network of professional contacts and referrals.
- Organized regular events to foster community engagement among clients and COI's, solidifying existing relationships and attracting new business prospects.
VP, Business Banking Relationship Manager
City National Bank
04.2021 - 12.2022
- Focus on serving and building relationships with clients and prospects in various industries with revenues of $5MM-$50MM through delivery of value added solutions (i.e
- Treasury management, FX, Investments, etc) that will help them reach their goals and maximize their revenues over the life of the relationship
- Independently generate credit and non-credit opportunities in the market through cultivation of prospects, calling on referral sources, and networking with centers of influence
- Seek opportunities to cross sell into every relationship and anticipate the future needs of the client
- Proactively incorporate team members and product partners to bring strategic value to the client and support cross-selling of the banks products and services.
VP, Business Relationship Manager
JPMorgan Chase
09.2009 - 04.2021
- Business Relationships Manager responsible for fostering client relationships and improving the well-being of their businesses through financial solutions, education, and advice
- Manage a portfolio of business clients
- Provide financial advice with a focus on client experience and risk management
- Ensure due diligence and compliance with applications laws, regulations, and credit policy
- Manage a portfolio of small to mid-sized businesses and major clients
- Seek cross-sell opportunities and direct customers to other services and products available to meet their needs and generate business.
Teller, Personal Banker & Asst Branch Manager
JPMorgan Chase
03.2003 - 09.2009
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed customer transactions promptly, minimizing wait times.
- Assisted customers with account inquiries, resolving issues promptly and professionally.
- Answered telephone inquiries on checking and savings accounts, loans, and lines of credit.
- Increased cross-selling opportunities by identifying customer needs and recommending appropriate banking products or services.
Education
High School Diploma -
Eureka Senior High School
Eureka, CA2002
Skills
- C&I, CRE and SBA Lending
- Business Development
- Community Networking
- Portfolio Management
- Underwriting & Data Analysis
Accomplishments
- Presidents Club Award, 2024
- Ranked in the top 10% of Commercial Lenders at Heritage Bank in 2023.
- National Achiever with Chase in 2014, 2015 & 2016.
Technology
- Microsoft Office (Word, Outlook, PowerPoint, Excel, Teams)
- CRM (Connect, Contact Manager, Salesforce, nCino)
REFERENCES
- Available upon request
Timeline
VP, Relationship Manager
Heritage Bank of Commerce
01.2023 - Current
VP, Business Banking Relationship Manager
City National Bank
04.2021 - 12.2022
VP, Business Relationship Manager
JPMorgan Chase
09.2009 - 04.2021
Teller, Personal Banker & Asst Branch Manager
JPMorgan Chase
03.2003 - 09.2009
High School Diploma -
Eureka Senior High School
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