Karen M Holm

Managed 70 - 100 total client relationships with annual revenues from $2.5 to $20 million. Developed small business, and depository relationships with companies. Performed all portfolio functions; relationship sourcing, negotiation and structuring, credit analysis, loan documentation review and continuous monitoring of account status.

Provided excellent service and attention to customers when face-to-face or through phone conversations.

Worked independently to identify, explore and acquire potential new customers by prospecting and networking with internal partners, businesses and Centers of Influence (COIs) to generate new revenue growth. Worked closely with Business Relationship Managers to hand off new prospective client's. Investment Real Estate, Equipment financing and Professional entities (Doctor's, veterinarians, CPAs, Lawyers).

• Traveled to networking events and client meetings to promote company brand
• Communicated regularly with executive team members to deliver pertinent details related to progress status and direction of projects.

Managed 35 - 45 Lower Middle Market Client Relationships, 20- 30 borrowing relationships with companies with annual revenues from $20 to $100 million. Performed all portfolio functions; relationship sourcing, negotiating and structuring, credit analysis, loan documentation.

• Acted as a champion on international products, services and Bank's cross border capabilities. Anti-Money laundering and Know Your Customer operational process.
• Generated cross segment referrals, introducing colleagues from product areas to develop solutions to meet the needs of the international customer.
• Launched targeted sales and marketing strategy into import/export - centric industrial areas.
• Increased profitability, relationship depth by deepening penetration for customer wallet, while minimizing risk.
• Structured credit facilities to ensure optimum balance between customer and HSBC interests while remaining within the bounds of prudent banking.
• Kept up-to-date on knowledge of HSBC's international strategy, capabilities and policies.