NICOLE F. PEDRIANI
LANCASTER,PA
Summary
Experienced commercial loan officer with 19 years banking experience. Expertise in commercial sales and relationship management, small business lending, SBA and deposit/treasury management partnerships. Organized, efficient and always willing to go the extra mile for delivery of exemplary service. Driven Relationship Manager with history of meeting 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. High achiever who produces results individually, as well as part of a results-focused team.
Overview
22
22
years of professional experience
Work History
SBA Relationship Manager, VP
UNIVEST
05.2022 - Current
- Responsible for business development, client engagement and gathering financial information to structure and submit SBA 7A and USDA B&I loans
- Executed a business plan for the markets that I cover in the bank, including Berks, York, Lancaster, Dauphin, Cumberland and Franklin County
- Covering Pittsburgh in the interim
- Collaborate with internal lending partners as well as brokers and centers of influence to identify SBA candidates
- In depth knowledge of loan policies and lending procedures
- Active role in the Berks County Penetration Team
- Achieved over 100% of loan goal for 2023.
Commercial Loan Officer II, AVP
MID PENN BANK
02.2020 - 04.2022
- Assisted in the PPP process for previous managed clients and prospects
- Established a portfolio of $15MM in loans
- Experience in identifying lending opportunities and assessing loan applications
- Executed networking events and warm calls to previous clients and new prospects each week to develop new loan prospects
- Collaborated with cash management and retail in order to grow business partners through prospecting, client calls and follow-up activities
- In depth knowledge of loan policies and lending procedures
- Ability to collaborate with senior managers and stakeholders
- Hit 150% of loan goal and 125% of deposit goal in 2020.
Business Banking Relationship Manager, AVP
M&T BANK
05.2016 - 03.2020
- Provided leadership and direction to grow team portfolio and increase revenue
- Structured and finalized secured and unsecured loans
- Met with customers to assess needs and propose customized solutions
- Managed a portfolio of 60 top clients
- Responsible for servicing and retaining existing book of commercial clients as well as prospecting and cold calling to grow business book
- Prepare background summary and presentation for loans, including cash flow, 5C's of credit, and financial analysis
- Knowledge in cross sales to business customers, including treasury management, merchant services, financial and insurance solutions
- Cultivated effective partnerships with commercial lending, marketing, investment consultant and customer support staff
- Responsibilities include managing a Portfolio of small business customers for retention and growth in addition to business development efforts
- Utilizing business partners in treasury management, commercial banking and investment services to meet Financial needs of customers
- Completed quarterly forecasting and monthly financial reviews.
Branch Manager, AVP
EPHRATA NATIONAL BANK
08.2014 - 05.2016
- August 2014-March 2015 was spent as a commercial lending assistant
- Branch manager of the Blue Ball Office
- Responsible for managing a staff of 9
- Responsibilities include developing the business portfolio and loan portfolio
- Work with business partners to attain new customers to the branch and retain existing branch portfolio
- Coach sales staff to use relationship management and profiling with existing customer base
- Hold daily sales huddles, weekly coaching sessions with employees, develop new business through calling efforts.
Branch Manager
M&T BANK
05.2002 - 08.2007
- Responsibilities included retaining and developing a staff of 8 employees and working with business partners
- Managed goals between sales platform and coached to maximize revenue for office
- Responsible for P&L of office in addition to achieving annual sales goals in 6 key driver areas
- Hold daily sales huddles, weekly coaching sessions with employees, develop new business through calling efforts
- Courses completed: Aubrey Daniels Precision Leadership workshop and Interactive Management Essentials.
Education
MBA Business Administration -
University of Scranton, Kania School of Management (AACSB Accredited)
Scranton, Pennsylvania12.2013
BACHELOR OF SCIENCE Business Administration: Finance -
Susquehanna University, Sigmund Weis School of Business (AACSB Accredited)
Selinsgrove, Pennsylvania05.2002
Skills
- Commercial credit
- Collaboration with business partners in treasury management, retail
- SBA lending
- Relationship building and management
- Strong community leader
- Excellent Communication
Additional Information - Volunteer Activities
- Board Member Executive Committee, Community Action Partnership of Lancaster County (August 2019-Present)
- ASSETS Lancaster Loan Review Committee
- Northern Lancaster Chamber of Commerce Women in Business Committee
References
REFERENCES AVAILABLE UPON REQUEST
Timeline
SBA Relationship Manager, VP
UNIVEST
05.2022 - Current
Commercial Loan Officer II, AVP
MID PENN BANK
02.2020 - 04.2022
Business Banking Relationship Manager, AVP
M&T BANK
05.2016 - 03.2020
Branch Manager, AVP
EPHRATA NATIONAL BANK
08.2014 - 05.2016
Branch Manager
M&T BANK
05.2002 - 08.2007
MBA Business Administration -
University of Scranton, Kania School of Management (AACSB Accredited)
BACHELOR OF SCIENCE Business Administration: Finance -
Susquehanna University, Sigmund Weis School of Business (AACSB Accredited)