Mark Chmait

• Acquiring business clients and driving new money deposits by acquiring new business clients.
• Responsible for contacting, managing and growing existing, non-portfolio, business relationships at one or more branches.
• Focuses include originating small businesses loans, deposits, treasury management, payment solutions and business credit cards.
• Evaluate pertinent financial information and determine whether a credit is an acceptable risk.
• Approve loans within assigned lending authority according to company policies and procedures.
• Work closely with Branch Managers and lobby staff to cross-sell additional bank products and services.
• Actively participate with and assist senior lending officers on larger, more complex credits.
• Analyze financial statements and related information.
• Frequently representing the bank in the business community; actively develop relationships with business owners, C-level execs, COIs, etc. and build a network of prospective bank customers.

• Promoted to Business Banking Relationship Manager in January 2020, overseeing $190 million portfolio of 75 business clients.
• Originated $1.4 million in new loan commitments within first two months of role.
• Assisted clients through Paycheck Protection Plan (PPP) process by ensuring accurate financial calculations and documentation.
• Originated 47 PPP loans, totaling approximately $5.3 million for small to mid-size businesses.
• Completed nine commercial real estate renewals, securing $7.7 million in financing.

• Retained and deepened relationships within Business Banking portfolio of 125 clients.
• Established internal and external meetings with banking partners across diverse industries.
• Developed new prospects through outbound calls, meetings, and leveraging centers of influence.
• Analyzed financial information to recommend suitable products for clients.
• Contributed as a member of initial BBS team to test sales force program, providing critical feedback.

• Managed relationships between the branch, business banking partners and clients/prospects depending on the needs.
• Became known among local business community as an excellent business partner and strong company asset.
• Maintain and deepened assigned customer portfolio by identifying customer’s needs and providing solutions to achieve their financial goals.

• Promoted to Client Manager in 2015, enhancing high-value business banking relationships.
• Managed mid-size business portfolio, securing and deepening banking connections.
• Collaborated with clients and financial professionals to gather cash flow data for quarterly reviews.
• Conducted assessments for SAG and facilitated renewals or new loans based on financial information.

• Promoted to ARM in 2013, assisting Client Managers with portfolio renewals and transactions.
• Closed 146 loans in 2013, achieving significant volume milestones.
• Reviewed financial statements and evaluations to identify potential client needs.
• Collaborated within relationship management team to execute strategies for product delivery.

• Generated new business opportunities through telesales and outside sales efforts.
• Achieved #2 SBS in lending and #3 in total points for Washington region in 2012.
• Secured top SBS in closed referrals within commercial real estate for 2012.
• Enhanced assigned customer portfolio by identifying needs and providing tailored financial solutions.

Conducted high-level meetings to review metrics for over 100 Microsoft Certified Internal Facilitators (MCIF).

Managed regular MCIF survey reporting, delivering results on a consistent schedule.

Compiled MCIF data from various sources to generate quarterly business reports for Microsoft Global Operations Team.