Kim A. Frithsen
Wilmington
Summary
My expertise is Senior level Client and Relationship Management – Capital Raising, Business Scaling and Growth Strategy, and more. An expert in lending in C&I, CRE, ground-up construction, SBA7A and504 loans, business acquisitions & mergers, C&I lending. As a leader I have managed sales teams and influenced key partnerships to achieve client and bottom line results. I am an experienced and talented Sales and Site manager, overseeing risk, operations, sales, day-to-day operations, scheduling, inventory and P&L management. I’m honored to be the Founder and Managing Manager of my boutique consulting firm; which will become a secondary priority and source of income to any full-time employment. It is my goal to provide sales leadership, inclusion, growth and value to another high-performing, client obsessed organization focused on business development.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Founder, Managing Member
Ace One Consulting Group, LLC
04.2024 - Current
- Creates and maintains budgets, manages financial resources and monitored cash flow
- Empower clients through bespoke training, coursework, and consulting while working collaboratively to create a diverse, equitable, and inclusive workplace
- Coordinate with external vendors, suppliers, customers and other stakeholders to meet objectives
- Provide business services such as scaling, incorporating, sourcing capital, and managing risk
- Recommends efficiencies to small businesses, assists with capital expenditure and cash flow needs
- Coordinates lender and professional relationships to secure capital for clients
Officer, Commercial Condominium Lending Mgr.
South Shore Bank
11.2023 - 03.2024
- Prospected new business in growth territories of Boston, North shore, NH & ME
- Successfully prospected new business & closed a $18M commercial specialty loan and $20M deposit
- Underwrote specialty commercial loan requests analyzing financial statements to recommend loan structure
- Prepared and presented loans to committee for approval, mitigating risks for the bank and growing portfolio
- Analyzed condominium statue laws in each state and interpreted along with bank's risk appetite to develop new credit policies in new territories of NH, ME
- Performed site visits and in person client visits as needed, industry trade shows and networking events
- Worked with and built nCino platform for specialty middle market lending & relationship management
- Closed commercial loans ensuring all documentation and due diligence for mortgage closings
- Networked in a niche market with new and existing attorneys, CPAs and industry leaders as well as prospects
Vice President, Client Manager
Bank of America, Merrill Lynch
01.2015 - 11.2023
- Successfully grew a portfolio of business banking clients with revenues up to $30M15% YOY
- Exceeded goals routinely as a top credit producer, SBA, CRE C&I loans , treasury and deposit
- Achieved multiple President awards for credit production, the PPP Escalation Taskforce, and Leadership
- Sourced, collected and analyzed financial statements & spreads to pre-underwrite for loans to $10M
- Prepared and facilitated commercial mortgages ensuring proper documentation and due diligence
- Recommended appropriate treasury services for larger businesses for efficiencies, cash management and FX
- Produced CRE, Construction and SBA7A &504 loans, complex merger and acquisition contracts and loans
- Utilized nCino and Salesforce CRM to grow relationships, organize contacts & outreach attempts & more
- Influenced and lead business strategy direction and implementation cross-functionally with partners
- Served as BofA’s LEAD Enterprise Business Development Leader, New England
- Co-chaired the Workplace Culture Pillar of LEAD Boston for the past4 years
- Co-oversaw BofA's National ENG Business Development for NE-based chapters past2 years
- Enhanced outreach of LEAD and business development efforts
- Co-created & moderated in-person & virtual Professional Speed Networking Event through LEAD
- Planned and coordinated volunteer activities and workgroups, as Site Engagement Council Member; and managed the bank's National LEAD roadshow (Fall2022)
- Leveraged Centers of influence and community networks to prospect high net-worth clients in a variety of industries; and consults clients to provide value-added business solutions & efficiencies
Assistant Vice President, Business Banking Officer
Citizen's Bank, N.A.
11.2012 - 01.2015
- Won $25M+ in commercial banking and multiple Gold Director Awards
- Exceeded Treasury production while remaining in the top5 regionally in deposits, loans, and CM production
- Successfully grew portfolio revenue and deposit base15% YOY
- Utilized salesforce and nCino to manage relationships, contacts, reports and lending
- Improved market penetration and YOY revenue by directing new business loans strategically
- Provided ongoing coaching on business development to management and colleagues across6 branches
- Trained, coached, and educated teammates on Salesforce, business banking and cross-sell
- Prepared all commercial loan and CRE closing documents & due diligence, facilitated closings
- Empowered members of the community by participating in volunteer initiatives & financial literacy workshops
Assistant Vice President, Branch Manager III
Citizen's Bank, N.A.
07.2008 - 11.2012
- Produced sales with recognition as a top20 Tier I branch in sales and service consistently
- Increased sales consistently by15-20% YOY; and ranked in top percentile of all branch production
- Developed & managed the overall business plan, sales achievement, risk mitigation, and budgets for site
- Hired & trained high performing customer-facing sales teams by recruiting, coaching with teams of15+
- Executed multiple leadership and mentorship programs in business community and student rush campaigns
- Motivated community involvement by pursuing and participating in various volunteer initiatives
- Championed new business prospecting by contributing directly and by motivating others
- Led day-to-day branch operations, cash inventory, scheduling, marketing and sales & risk mitigation
Officer, Financial Services Manager / Registered Representative
M&T Bank
06.2005 - 06.2008
- Successfully achieved #1 registered representative in total individual securities and referred sales to FA
- Effectively led top performing sales teams in branches (5) in sales, operations and customer experience
- Coached my team and executed sales strategies that maximized revenue and best fit for client
- Prospected new commercial business for financial center through networking events and committees
- Championed business development loans and deposit relationships, leading by example for a team of11
- Fused a range of community engagement and philanthropic initiatives to drive interest & set appointments
- Managed the cash inventory, scheduling, recruiting and hiring while I oversaw day-to-day branch operations
Education
Certificate - Leadership for High Potential Women in Leadership
The Commonwealth Institute
Waltham, MA10.2013
BSBA dual degree - Marketing and Management
Northeastern University
Boston, MA05.2005
No Degree - Formal Commercial Credit Training
Omega Performance
Boston, MA04-2014
Skills
- Team leadership
- Strategic thinking
- Marketing
- Entrepreneurial and innovative
- Relationship building and management
- Loan underwriting proficiency
- Business development expertise
Certification
- CAI Educated Business Partner (Property Management and Condominium Associations)
- Omega Performance Commercial Credit Certificate
- The Commonwealth Institute (CWI): Graduate Course Certificate: Strategies for Success: For High Potential Women Leaders
3x President Awards ( Credit Production, Leadership, PPP Underwriting and Problem Solving)
- Top Producer - Credit Production
- Leadership
- PPP Underwriting & High-Level3 Problem Solver
Timeline
Founder, Managing Member
Ace One Consulting Group, LLC
04.2024 - Current
Officer, Commercial Condominium Lending Mgr.
South Shore Bank
11.2023 - 03.2024
Vice President, Client Manager
Bank of America, Merrill Lynch
01.2015 - 11.2023
Assistant Vice President, Business Banking Officer
Citizen's Bank, N.A.
11.2012 - 01.2015
Assistant Vice President, Branch Manager III
Citizen's Bank, N.A.
07.2008 - 11.2012
Officer, Financial Services Manager / Registered Representative
M&T Bank
06.2005 - 06.2008
BSBA dual degree - Marketing and Management
Northeastern University
- CAI Educated Business Partner (Property Management and Condominium Associations)
- Omega Performance Commercial Credit Certificate
- The Commonwealth Institute (CWI): Graduate Course Certificate: Strategies for Success: For High Potential Women Leaders
Certificate - Leadership for High Potential Women in Leadership
The Commonwealth Institute
No Degree - Formal Commercial Credit Training
Omega Performance
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