Michael Demings
ANNA
Summary
Wealth management professional with a decade of expertise in account management, treasury services, and commercial banking, excelling in commercial lending and financial analysis. Demonstrates a strong ability to manage and cross-sell banking products, while fostering robust client relationships through effective communication and innovative solutions. Committed to driving business growth and enhancing customer satisfaction by leveraging advanced skills in compliance, leadership, and customer service.
Overview
11
11
years of professional experience
1
1
Certification
Work History
Wealth Management Associate Advisor
TFR Capital
09.2025 - Current
- Developed customized wealth management strategies for high-net-worth clients.
- Analyzed investment portfolios to optimize asset allocation and minimize risk.
- Cultivated relationships with clients, enhancing client satisfaction and retention rates.
- Collaborated with financial advisors to implement comprehensive financial plans.
PERSONAL BANKER III
Cadence Bank
04.2025 - 09.2025
- Oversee consumer lending, enhancing customer satisfaction and retention. Identify cross-selling opportunities, boosting treasury service product engagement. Conduct regular account maintenance, ensuring seamless customer experience.
BUSINESS SERVICES REPRESENTATIVE
First Citizens Bank
12.2023 - 01.2025
- Manage, maintain, and cross sell various cash management and treasury services products. Statement analysis to determine and provide solutions for a variety of business banking needs. Work closely with business and commercial lenders to help onboard clients with deposit and treasury needs. Manage business credit opportunities up to $200,000. Determine whether a loan package should be routed through commercial or SBA channels.
CLIENT RELATIONSHIP MANAGER
Valliance Bank
04.2023 - 12.2023
- Create and implement plans for business development through lead generation and customer acquisition. Regular attendance of local networking meetings and neighborhood outreach events. Continuous management of commercial bank accounts to ensure products and services are delivered in an efficient manner. Outsource certain deals to external SBA partners.
COMMERCIAL LENDING ASSISTANT
Valliance Bank
02.2022 - 04.2023
- Coordinate and prepare documents for commercial loan closings. Frequent communication with high net worth clients, title companies, and lenders to process and manage loan closings. Assisted in closing over $25 million in loans in 2022 and over $40 million in 2023. Continuously manage a portfolio of over $60 million to make sure every loan package is current and up to date. Underwrite renewing lines of credit.
PERSONAL BANKER
Valliance Bank
09.2021 - 02.2022
- Provide regular account maintenance of various business and personal accounts. Open and close a variety of products including checking accounts, CD’s, lockboxes, or IOLTA accounts. Regularly open and close the branch and pull necessary beginning and end of day reports.
TELLER / PERSONAL BANKER
Prosperity Bank
10.2019 - 09.2021
- Provide professional customer service for customer transaction and service requests. Initiate OFAC checks and create Currency Transaction Reports according to BSA compliance. Open and close new personal and business accounts and handle various maintenance requests for accounts.
SALES ASSOCIATE
Avis Car Rental
04.2019 - 10.2019
- Provide customer service for individuals renting cars. Clean, prepare, and maneuver vehicles to most efficiently give the best car rental experience we can. Sell customers on various upgrades and insurance packages.
CLUB O2 LEADER
Carnival Cruise Lines
03.2019 - 04.2019
- Manage and facilitate the teen club area of the ship with a variety of games and activities. Create weekly schedules and reports. Crowd management during safety drills. Raised customer ratings from near bottom to near top of entire fleet around the world.
SITE SUPERVISOR
Sunset After School Care
08.2017 - 06.2018
- Provide care for children in an after school setting. Duties include providing snacks, leading games and crafts, and setting up and tearing down equipment.
SALMON PROCESSOR
North Pacific Seafoods
06.2017 - 07.2017
- Various jobs to process salmon. Jobs include grading quality, trimming, prepping and freezing etc. Assembly line environment working up to 100 hrs per week.
FULL TIME MISSIONARY
SEND International
01.2015 - 10.2015
- Relocated to and lived in China to facilitate relations between students from a local church and students from a local college by leading in group discussions and games. Heavy involvement in college activities and clubs as well as church activities and clubs.
Education
MASTERS OF BUSINESS ADMINISTRATION -
University of Texas At Tyler
05.2026
BAAS BUSINESS OCCUPATIONS -
University of Texas At Tyler
05.2024
Skills
- Financial Planning, Customer Service, Banking, Sales, Business Development, Commercial Lending, Account Management, Financial Analysis, Treasury Services, Compliance, Leadership
Certification
SERIES 65
LANGUAGES
Mandarin Chinese (Proficient).
Timeline
Wealth Management Associate Advisor
TFR Capital
09.2025 - Current
PERSONAL BANKER III
Cadence Bank
04.2025 - 09.2025
BUSINESS SERVICES REPRESENTATIVE
First Citizens Bank
12.2023 - 01.2025
CLIENT RELATIONSHIP MANAGER
Valliance Bank
04.2023 - 12.2023
COMMERCIAL LENDING ASSISTANT
Valliance Bank
02.2022 - 04.2023
PERSONAL BANKER
Valliance Bank
09.2021 - 02.2022
TELLER / PERSONAL BANKER
Prosperity Bank
10.2019 - 09.2021
SALES ASSOCIATE
Avis Car Rental
04.2019 - 10.2019
CLUB O2 LEADER
Carnival Cruise Lines
03.2019 - 04.2019
SITE SUPERVISOR
Sunset After School Care
08.2017 - 06.2018
SALMON PROCESSOR
North Pacific Seafoods
06.2017 - 07.2017
FULL TIME MISSIONARY
SEND International
01.2015 - 10.2015
MASTERS OF BUSINESS ADMINISTRATION -
University of Texas At Tyler
BAAS BUSINESS OCCUPATIONS -
University of Texas At Tyler