Neal Carter
Ruston,LA
Summary
Accomplished VP, Market Relationship Banker at Origin Bank, I excel in relationship building and critical thinking, driving business development and customer satisfaction. Leveraged negotiation skills and industry knowledge to enhance profitability and client retention. Achieved significant client acquisition through effective networking, demonstrating a strong track record of success and leadership.
Overview
19
19
years of professional experience
Work History
VP, Market Relationship Banker
Origin Bank
08.2010 - 11.2024
- Cultivated strong relationships with key stakeholders, including customers, vendors, regulators, and community leaders to promote collaboration and long-term success.
- Collaborated with senior management to develop strategic initiatives and long term goals.
- Negotiated high-value contracts that maximized profitability while mitigating risks for the organization.
- Assisted customers with completing required forms for opening and closing bank accounts.
- Participated in ongoing professional development opportunities to remain current in industry best practices and continually improve service provision.
- Developed strong rapport with local businesses, positioning the bank as a preferred partner for commercial banking services.
- Maintained in-depth product and service knowledge for well-informed customer advice.
- Fostered a positive working environment by actively participating in team meetings and supporting colleagues in their professional development.
- Collaborated with team to meet and exceed quarterly sales targets for financial products.
- Strengthened bank-client relationships, proactively addressing inquiries and resolving any issues promptly.
- Conducted comprehensive needs assessments to tailor banking products effectively to individual client requirements.
- Enhanced client understanding of different banking products through clear and concise communication.
- Improved customer satisfaction by offering expedited service for loan and credit applications.
- Enhanced client trust and loyalty by providing personalized financial advice and solutions.
- Achieved high levels of client acquisition through effective networking and referral strategies.
- Assisted clients in navigating complex banking services, making their banking experience smoother.
- Developed and maintained strong relationships with clients, ensuring high level of satisfaction and retention.
- Increased efficiency in handling client transactions, ensuring accuracy and timeliness.
- Actively participated in community events to promote bank services, expanding market reach.
- Maintained customer records and updated account information.
- Provided customers with additional information regarding account services.
- Contacted customers as soon as issues arose to immediately find resolution before problem escalated.
Business Lending Underwriter
Origin Bank
08.2009 - 08.2010
- Analyzed credit, income, compliance, title documents, and appraisals during underwriting process.
- Documented underwriting decisions and provided evidence of compliance with applicable regulations.
- Provided excellent customer service by addressing inquiries promptly and offering comprehensive explanations of underwriting decisions.
- Made approval and denial recommendations by determining accurate risk levels.
- Examined credit reports, financial statements and tax returns to determine repayment capability.
- Built strong relationships with lenders, brokers and clients for constructive communications.
- Determined and documented loan conditions and communicated requirements and decisions.
- Enhanced customer satisfaction, providing detailed explanations on underwriting decisions and policy benefits.
- Secured competitive advantage by staying informed of market trends and regulatory changes affecting underwriting.
- Mitigated potential financial losses, closely monitoring high-risk accounts and recommending appropriate actions.
EDD Analyst
Capital One
11.2007 - 08.2009
- Collaborated with cross-functional teams to identify opportunities for process improvement and increased efficiency.
- Improved decision-making processes, providing senior management with detailed analysis and actionable insights.
- Devised and implemented processes and procedures to streamline operations.
- Enhanced team collaboration by providing clear communication of complex findings through visualizations and reports.
- Implemented predictive analytics techniques that enabled proactive adjustments to business strategies based on emerging trends.
Teller
Capital One
08.2005 - 04.2007
- Balanced cash drawer daily and resolved discrepancies to provide accurate data regarding cash flow.
- Disbursed cash and checks accurately while maintaining security of cash drawers.
- Balanced cash drawers daily, identifying discrepancies and taking corrective actions as needed.
- Processed customer transactions promptly, minimizing wait times.
Education
MBA - Finance
LSU Shreveport
Shreveport, LA04-2007
Master of Science - Finance
Louisiana Tech University
Ruston, LA07-2005
Skills
- Relationship building
- Decision-making
- Critical thinking
- Complex Problem-solving
- Client relationship building
- Business development
- Customer service
- Negotiation and persuasion
- Industry best practices
- Customer and employee rapport
- Event networking
- Customer prospecting
Timeline
VP, Market Relationship Banker
Origin Bank
08.2010 - 11.2024
Business Lending Underwriter
Origin Bank
08.2009 - 08.2010
EDD Analyst
Capital One
11.2007 - 08.2009
Teller
Capital One
08.2005 - 04.2007
MBA - Finance
LSU Shreveport
Master of Science - Finance
Louisiana Tech University
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