Mo Jammal
Senior Relationship Manager
Spring,TX
Summary
Senior Relationship Manager/ Commercial Lender
Experienced relationship manager with over 15 years of experience in the banking industry. Excellent reputation for resolving problems and improving customer satisfaction. Accomplished, award winning loan officer eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Organized and dependable candidate successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. Dedicated banking professional with history of meeting and exceeding company goals utilizing consistent and organized practices. Skilled in working under pressure and adapting to new situations and challenges to best enhance the organizational brand. Consistently excel in highly competitive environments where business development skills are keys to success. A proven effective manager and coach who has directed, trained and provided a motivating environment in development of team members to their fullest potential.
Overview
16
16
years of professional experience
Work History
SVP Commercial Lending Officer
Wallis Bank
Houston, TX
05.2019 - 09.2021
- Consistently develop profitable new and current business opportunities because of a strong network of professionals and referrals from successful satisfied customers
- Booked over $59 Million in loans and brought over $30 Million in deposits
- Cultivate internal and external referral sources to expand lending opportunities
- Compile and analyze data for commercial loan requests
- Clearly outline loan terms and conditions and ensure borrowers understand loan commitments, financing options and decisions
- Originate and service a wide variety of business and loans both SBA and conventional
- Types include hospitals, labs, manufacturing, office parks and credit lines
- Screen loan requests based on financial institution policies and types of loans offered by the institution
- Exceed individual performance expectations for loans, deposits and fees, while managing a book of business
- Maintain compliance with loan policy, procedures and documentation, including loan package preparation while properly structuring, underwriting and pricing
- Assist in the origination of new deposit accounts and treasury management services
- Coordinate processing of approved loans ensuring matured loans are renewed in a timely manner for monthly and quarterly end reporting periods
- Responsible for trade and collection of all loan credit and collateral and deposit account exceptions in a timely manner within portfolio
- Ensure that credit inquires and UCC filings are researched to determine credit worthiness and appropriate collateral positioning are achieved
- Determine trends and developments in the financial industry, economy, market conditions, rates, vendors and competition.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
Healthcare Commercial Lending Specialist
Comerica Bank, VP Healthcare Lending Group
Houston, TX
04.2015 - 04.2018
- Physicians, Specialists and Dentists
- Responsible for oversight, management and growth of commercial loans and creation of new loan relationships as well as oversight and management of the healthcare loan portfolio
- Successfully coordinated Practice start-up loans and equipment, finish-out, working capital and acquisitions
- Trained bank relationship managers on SPIN selling skills
- Initiated and implemented partnership buy-in or hospital partnership loans
- Consistently generated profitable commercial real estate and owner-occupied loans
- Provided funding for ambulatory surgery centers and medical office buildings
- Financed 18 urgent care businesses and free-standing ERs between Dallas, Houston and San Antonio.
- Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
- Obtained copies of applicants' credit histories and reviewed paperwork to determine feasibility of granting loans.
VP Business Banking
Bank of America
Houston, TX
03.2011 - 04.2015
- Collaborated with senior level commercial banking managers to analyze capital, credit, and loans for oil and gas industry clients, real estate developers, medical professionals and HNWIs
- Developed and maintained relationships with high-end medium and large-scale organizations with revenues up to $100 Million
- Established ongoing communications with client company decision makers and executives
- Analyzed financial and operating strategies for clients and made recommendations for additional or alternative services and products to meet client needs
- Named top producer for sales of credit and banking products to existing and new clients and earned top sales honors generating more than 150% of annual loan and deposit production goals.
- Provided leadership and direction to grow team portfolio and increase revenue.
VP Relationship Manager
JP Morgan Chase
Houston, TX
07.2007 - 03.2011
- Managed business banking relationship portfolios for companies with annual revenue of up to $50 Million
- Built and utilized a network of center-of-influence individuals to generate prospects and acquire new business
- Oversaw lines and loans of credit and associated P&L which included loan grading, pricing and pay/return decisions
- Partnered with the area manager to grow balances and drive profitability
- Facilitated coaching and mentoring sessions for the business banking team.
- Monitored issues carefully and reached out to customers to provide immediate resolution and maintain satisfaction.
- Worked with clients to address and respond to client and partnership management issues.
District Manager
Jos A. Banks Clothiers
Houston, TX
05.2004 - 07.2007
- Directed daily store operations and developed strategic action plans to generate increased growth
- Recruited, hired, and trained sales associates and store managers
- Built highly effective sales teams through ongoing coaching, training, and motivational strategies
- Conducted market research, competitive pricing and evaluation of marketing methods and trends
- Collaborated with corporate project teams on policy development and standard operating procedures
- Notable Achievements:
- Exceeded $5 million in individual sales within two years and added 900 3 corporate accounts
- Ranked in top 10 companywide in Items per Transaction and Average per Transaction
- Achieved 0.15% inventory shrinkage and increased annual store sales by nearly 30%
- Oversaw opening of 5 new retail stores
- President’s Club member for 3 years, youngest in company’s history.
- Built positive and productive relationships with store and field leadership.
Education
MBA -
University of Central Oklahoma
Edmond, OK05.2004
Bachelor of Business Administration - Accounting and Finance
Lebanese University
Beirut, Lebanon 09.2000
Skills
- Goal and Results Driven
- Strategic Planning
- Sales Leadership
- Competitive Pricing
- Community Relations
- Top Producer
- P&L Oversight
- Financial History Analysis
- Creative Solutions
- Commercial portfolio management
- Lending regulations
Timeline
SVP Commercial Lending Officer
Wallis Bank
05.2019 - 09.2021
Healthcare Commercial Lending Specialist
Comerica Bank, VP Healthcare Lending Group
04.2015 - 04.2018
VP Business Banking
Bank of America
03.2011 - 04.2015
VP Relationship Manager
JP Morgan Chase
07.2007 - 03.2011
District Manager
Jos A. Banks Clothiers
05.2004 - 07.2007
MBA -
University of Central Oklahoma
Bachelor of Business Administration - Accounting and Finance
Lebanese University
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