Kelly Thompson
Bonita Springs,FL
Summary
Professional with strong expertise in commercial lending, adept at analyzing financial statements, structuring credit agreements, and managing loan portfolios. Proven track record in driving growth, exceeding goals, and delivering client-focused solutions. Team-oriented with keen ability to adapt to evolving market demands, ensuring consistent results. Recognized for excellent communication skills, strategic thinking, and ethical decision-making.
Overview
23
23
years of professional experience
Work History
Senior Commercial RM & SBA Team Mentor
Achieva Credit Union
12.2023 - Current
- Extensive experience in commercial lending & SBA Lending.
- Proven track record of successfully managing a diverse portfolio of Commercial and SBA loans, consistently meeting or exceeding loan production goals of 12-15MM annually.
- Expertise in evaluating loan applications and relationships, conducting thorough credit analysis, risk analysis, and structure options.
- Special focus within healthcare and manufacturing.
- Daily mentor to 3 Commercial Bankers around Commercial and SBA lending, sourcing, evaluating, financial analysis, structure, and closing.
- Providing weekly training, support, and education to our Commercial, Support, and Treasury teams. Monthly presentation and support to over 500 team members in additional line of business.
- Strong knowledge of SBA loan programs, guidelines, and regulations, ensuring compliance with all applicable policies and procedures.
- Demonstrated ability to develop and maintain relationships with key prospects, clients, and COI’s, in the $3MM- $40MM revenue space.
- Skilled in effectively communicating complex financial information to clients, ensuring a clear understanding of loan terms and conditions.
- Proficient in preparing loan packages, including financial statements, cash flow analysis, and full detailed credit requests, to present to underwriters for approval.
- Strong negotiation and collaboration skills with all parties involved, including C-Suite, gatekeepers, underwriting, and clients accounting, legal, and representation partners.
- Act as quarterback for all partners, ensuring client has timely and expert contact for all pf their business and
- Highly skilled in all Treasury Management areas.
Medical Leave
On Leave
08.2023 - 12.2023
- I took this time due to an unforeseen medical issue that resulted in surgery and recovery time.
- This is not a reoccurring issue and has been fully resolved since December of 2023.
- I was able to keep up on my continuing education and skill building, updated SBA SOP, as well as continue to help advise and guide several of my former teammates, clients, and COI's.
VP Business Banking
First Citizens Bank
04.2021 - 07.2023
- Developed and implemented strategic marketing plans, sales plans and forecasts to exceed sales goals and increase client satisfaction.
- Proficient in credit analysis, underwriting process, credit structure and credit risk management.
- Advanced skills in accounting procedures, financial reporting creation and analysis, AP/AR, balancing, reconciliation, bookkeeping.
- Advanced expertise in Commercial Real Estate, working capital lending, SWAP, and equipment finance leasing as well as asset based lending.
- Executed weekly collaboration meetings with team members for consistent pipeline and client book management.
- Extended knowledge of treasury management services, including cash management, payables, lockbox and integration.
- Substantial experience in SBA programs and lending, with specific expertise in 7(a).
- Full SBA loan management procedure experience, driving the entire process from source to close, as well as service.
- Worked with client partners to achieve high customer satisfaction rates and drive cross sell and revenue opportunities.
- Successfully create credit and deal memos with proper supporting financials and analysis for closing.
- Excellent oral and written presentation skills.
- Cultivated relationships with key stakeholders, executive leadership, legal and financial partners, and decision-makers as part of successful business practices.
- Extensive industry knowledge and experience working with with high level Executives, Dentists, Doctors, Manufacturers, HOA'S Etc.
- Additional expertise in Healthcare lending with a focus on Real Estate, large and small equipment financing, and partner buy in/out.
VP Business Banking
Regions Bank
07.2019 - 04.2021
- Consistently exceeded sales and partner goals in lending, leasing, deposits, and new client growth.
- Work closely with branches and partners to increase revenue and production as well as client and team satisfaction.
- Managed, grew and cross sold a variety of products to a book of 97 clients.
- Substantial experience in SBA programs and lending, with specific expertise in 7(a).
- Full SBA loan management procedure experience, driving the entire process from source to close, as well as service.
VP Commercial Lending RM
TD Bank
12.2018 - 07.2019
- I would like to note that this was amazing career experience and wonderful team. We did end up going back to SWFL to be with friends and family. There is a minimal TD presence here and no transfer opportunities.
- Worked with a 12MM goal and annual revenues up to 50MM.
- Developed solid partners and COI’s to self generate pipeline.
- Focused mainly in C&I as well as larger investment opportunities.
VP Business Banking
5/3 Bank
09.2008 - 12.2018
- Focus on full relationship management with extensive working capital and lending structure and underwriting.
- Work closely with branches and One Bank partners to consistently exceed goals of 3MM.
- Led Bi-Weekly huddles with person or via phone/ zoom.
- Implemented monthly training and open Q&A forum with all employees that want to attend.
- Partner with other Lines of Business for a strong community presence and knowledge of support.
- Created and implemented several successful marketing campaigns with an excellent follow up and close rate.
- Managed branch day to day operations, leading the branch team to consistently meet and exceed goals.
- Successfully recruited, coached , and developed branch staff.
- Substantial experience in SBA programs and lending, with specific expertise in 7(a).
- Full SBA loan management procedure experience, driving the entire process from source to close, as well as service.
VP of Sales and Business Development
Creative Plastics
09.2001 - 08.2008
- Instrumental in growing revenue from $500K to 4MM annual sales
- Managed 40 employees, 45 vendors, and over 600 customers.
- Developed and implemented strategic marketing plans, sales plans and forecasts to achieve corporate objectives for products and services.
- Monitored competitor products and services and maintained relationships with industry influencers and key strategic partners to identify improvement areas and grow customer base.
- Created and managed international equipment, as well as shipping and customs clearance of supplies from Shenzhen, China and Canada.
- Sourced and secured over $200K in SBA financing for growth.
- Sourced, bid, and procured several large dollar government contracts
- Cultivated strong professional relationships with suppliers and key clients to drive long-term business development.
Education
Bachelor of Arts - Psychology
University At Buffalo
Buffalo, NY06.2007
Skills
- Formally credit trained in Commercial Lending & SBA Lending
- Negotiation and closing kills
- Excellent public speaking and presentation skills, with focus on interactive engagement
- Prospect and COI development
- Teamwork and collaboration
- Effective leadership and mentoring
- Timely and accurate communication and follow up
- Risk assessment and ongoing risk management
- Conflict resolution
Education and Training
-13 years of ongoing formal credit and financial training
-Extensive courses and training SBA lending and SOP
-Additional comprehensive training in Treasury Management, credit structure and options
Timeline
Senior Commercial RM & SBA Team Mentor
Achieva Credit Union
12.2023 - Current
Medical Leave
On Leave
08.2023 - 12.2023
VP Business Banking
First Citizens Bank
04.2021 - 07.2023
VP Business Banking
Regions Bank
07.2019 - 04.2021
VP Commercial Lending RM
TD Bank
12.2018 - 07.2019
VP Business Banking
5/3 Bank
09.2008 - 12.2018
VP of Sales and Business Development
Creative Plastics
09.2001 - 08.2008
Bachelor of Arts - Psychology
University At Buffalo
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