Lindley " Lin" DeGarmo
Oldsmar,USA
Summary
Strategic business professional with proven ability to drive impactful results through innovative solutions and data-driven decision-making. Expertise in market analysis, process optimization, and strategic planning. Strong collaborator who adapts to changing needs and fosters team success. Recognized for analytical skills, problem-solving capabilities, and delivering measurable outcomes.
Overview
2026
2026
years of professional experience
Work History
Strategic Business Consultant
Self Employed Services
03.2025 - Current
- Self-motivated, strong sense of personal responsibility, driving business growth through financial consulting and strategic planning.
- B2B outbound prospecting, connecting, and networking. 75 calls, 50 plus emails, and 2 face to face meetings daily.
- Develop customized business strategies focused on improving operational efficiency and profitability.
- Facilitate workshops to align stakeholder objectives with long-term business goals.
- Led cross-functional project teams, fostering collaboration among diverse stakeholders to ensure timely delivery of key milestones within budget constraints.
Vice President – Commercial Banking Relationship Manager
Regions Bank
2022 - 01.2025
- Proactively managed key commercial client accounts for revenues up to $50MM.
- Originated, structured, and closed commercial loans for working capital, RE, and FF&E.
- Built and managed strategic relationships with C Suite clients, resulting in 93% retention.
- Conducted financial analysis, prepared credit memos, and presented for approval.
- Led strategic initiatives to enhance customer engagement and retention across multiple banking channels.
- Administered government-guaranteed programs, SBA & USDA platforms up to thresholds.
- Directed cross-functional teams to implement process improvements, increasing operational efficiency bank-wide.
Business Manager
MarineMax Inc.
01.2021 - 01.2022
- Provided financing for over $23 million in marine credit facilities. Handled bank packaging functions on all new, used, and brokerage transactions.
- Built lender and vendor relationships, understood insurance requirements, warranty programs, and lender allotment.
- Sales forecasting and budget allocation to provide monthly target revenue and profit goals.
- Responsible for compliance and risk management with domestic and international sales.
- Led cross-functional teams to streamline operations and improve sales performance.
- Developed strategic sales initiatives to enhance customer engagement and retention.
Senior Business Banking Specialist
Wells Fargo Bank, Central & West Coast FL
01.2020 - 01.2021
- Managed business banking customers with revenues up to $25 Million.
- Assessed creditworthiness, monitored loan performance, profitability, and defaults.
- Collaborated with partners to facilitate larger credit and more complex cash management relationships.
- Originated hundreds of PPP loans valued at over $23 million during covid.
- Analyzed client needs and provided strategic recommendations to optimize banking products and services.
- Mentored junior specialists, fostering skill development and enhancing team performance in business banking operations.
Vice President – Community Banking
Synovus Bank Pinellas County, FL
01.2017 - 01.2018
- Managed commercial banking relationships with companies that had up to $50MM in revenue.
- Developed customized financing structures, including syndicated loans and asset-based lending.
- Cross sold banking products and services to solidify and deepen overall relationships, drive revenue.
Vice President – Commercial Banking Relationship Manager & Team Leader
Fidelity Bank of Florida, N.A., Orlando, FL
01.2015 - 01.2017
- Continuously collaborated with senior executives to develop and implement precisely tailored growth strategies that allowed for new opportunities in the Central Florida markets.
- Introduced a strategic action plan to drive C&I lending and further develop this balance sheet segment.
- Developed and manage commercial banking relationships up to $50MM in revenues annually.
- Facilitated originations of credit, annual credit reviews, renewals, and monitored risk ratings.
- Coordinated with CCO to develop credit policy and sales process for government-guaranteed programs.
- Oversaw risk management protocols, ensuring compliance with regulatory standards and best practices.
Senior Vice President – Commercial Banking Relationship Manager
Seacoast National Bank of Florida / Floridian Bank
01.2011 - 01.2015
- Proactively managed key commercial client accounts with annual revenues up to $100MM.
- Consistently prospected and developed new relationships to drive household growth & COI network.
- Coordinated with lines of business partners to deepen relationships through ancillary banking products.
- Credited for annual growth on average of $11.7MM new credit and $2.3MM in combined deposits.
- Achieved targeted growth directives, cross sell directives and retention goals year after year.
- Administered government-guaranteed programs for issuance credit through the SBA/USDA lines.
- Developed and executed financial strategies that aligned with organizational goals, driving growth in market share.
Vice President – Business Banking Relationship Manager
Wachovia – Wells Fargo Bank
01.2008 - 01.2011
- Assisted Special Assets / Watch List teams in managing and evaluating all non-performing assets.
- Prospected and managed commercial client accounts with annual revenues up to $50MM.
- Oversaw and managed commercial portfolio primarily comprised of operating companies.
- Worked directly with treasury, wealth, SBA, and specialty finance division to deepen banking relationship.
- Created a more responsive and client-driven operation, serving as a resource in evaluating clients' assets, liabilities, financial cap and financial objectives.
- Evaluated ongoing risk ratings, worked with special assets, and coordinated work out credits.
Vice President – Commercial and Retail Management
RBC Bank
01.2006 - 01.2008
- Managed commercial portfolio that consisted of $138MM in loans and $54MM in combined deposits.
- Credited for growing portfolio to achieve $7MM in new credit and $1.7MM in combined deposits annually.
- Provided operational support to various functional groups and management teams during implementation of RBC strategies across all lines of business.
- Worked with Executive management to facilitate the merger between Alabama National Holding CO and RBC.
Education
MBA, Business Management - Business Management
Webster University
Orlando, FL01.2007
B.S., Finance - International and Domestic Corporate Finance
University of Central Florida
Orlando, FL01.2001
Skills
- Strategic Business Development Strategies
- Credit Structuring & Risk Analysis
- Organizational development
- Cross-sell Strategy Execution
- Market & Competitor Research
- Budget Administration / Management
- Compliance & Portfolio Risk Oversight
- Team Development & Leadership
- Teamwork and collaboration
- Problem-solving
- Business analysis
Timeline
Strategic Business Consultant
Self Employed Services
03.2025 - Current
Business Manager
MarineMax Inc.
01.2021 - 01.2022
Senior Business Banking Specialist
Wells Fargo Bank, Central & West Coast FL
01.2020 - 01.2021
Vice President – Community Banking
Synovus Bank Pinellas County, FL
01.2017 - 01.2018
Vice President – Commercial Banking Relationship Manager & Team Leader
Fidelity Bank of Florida, N.A., Orlando, FL
01.2015 - 01.2017
Senior Vice President – Commercial Banking Relationship Manager
Seacoast National Bank of Florida / Floridian Bank
01.2011 - 01.2015
Vice President – Business Banking Relationship Manager
Wachovia – Wells Fargo Bank
01.2008 - 01.2011
Vice President – Commercial and Retail Management
RBC Bank
01.2006 - 01.2008
B.S., Finance - International and Domestic Corporate Finance
University of Central Florida
Vice President – Commercial Banking Relationship Manager
Regions Bank
2022 - 01.2025
MBA, Business Management - Business Management
Webster University