PATRICK SCOTT EVANS
Commercial Lender
North Port,FL
Summary
Seasoned C&I Commercial Banker with extensive knowledge in treasury services who is focused on consistently reaching company objectives to secure client satisfaction and loyalty. Specific industry targets include manufacturing/industrial companies, wholesale/retail, franchise companies, title services providers, & real estate attorneys.
Overview
21
21
years of professional experience
Work History
Vice President, Commercial Lending
Bank OZK
Fort Myers, Florida
05.2017 - Current
- Worked in Charlotte & Lee County markets prospecting business owners that fit desired industry targets.
- Set up appointments to discuss bank partnership opportunities, merchant services, & credit needs to try & win relationships for Bank.
- Collected required financial documents from business prospects to build financial folders for loan screening or annual collection of financial information to clear financial exceptions on existing loan files.
- For loans under $1M, generated opportunity memo's along with self-generated credit analytics from received underwriter's cash-flow spreads & presented for loan approval consideration. For loans over $1M, underwriter performed credit analytics.
- Prepared term sheets to present to prospects based on desired qualitative & quantitative covenants, and specific terms & conditions.
- Handled presentation of loan documents for loan closings or engaged title services providers & helped assist if they were needed for engagement for the closings.
- Expedited bank partner engagements to open bank accounts or present other proposals for the relationship.
- Completed Annual Attestations & Annual Regulatory Training needed by Bank on a consistent basis.
Association Relationship Manager / Vice President
Florida Community Bank, NA
Port Charlotte, FL
10.2016 - 03.2017
- Worked Sarasota, Charlotte, & Lee county markets for prospects fitting focused industries of Title Services, Attorneys, Golf & Country Clubs, Yacht
- Clubs, Property Management Companies, Condo Associations, & HOA's
- Set up appointments to discuss bank partnership opportunities, merchant services, & credit needs for the specific prospect
- Packaged financial documents for submission into loan processing along with completion of loan write-up
- Presented term sheets back to prospects, and handled presentation of loan documents for closings
- Created disclosures setting up needed association & treasury services
- Assisted with installation of treasury services products along with training as well
- Completed Annual Attestations & Annual Regulatory Training needed by financial institution.
Business Banking Relationship Manager / Vice President
Florida Community Bank, NA
Fort Myers, FL
10.2014 - 10.2016
- Worked Sarasota, Charlotte, & Lee county markets for any C&I prospects with annual revenues of $3M to $10M fitting the bank's desired industries
- Set up appointments to discuss bank partnership opportunities, merchant services, & credit needs for the specific prospect
- Packaged financial documents for submission into loan processing along with completion of loan write-up
- Presented term sheets back to prospects & handled presentation of loan documents for closings
- Assisted with treasury services products including installation & training for the client
- Completed Annual Attestations & Annual Regulatory Training needed by financial institution
Small Business Banker / Assistant Vice President
Florida Community Bank
Port Charlotte, FL
02.2013 - 10.2014
- Worked Charlotte & Lee county markets for any C&I prospects with annual revenues of $500K to $3M fitting bank's desired industries
- Set up appointments to discuss bank partnership opportunities, merchant services, & credit needs with loan requests up to $1M for a specific prospect
- Packaged financial documents into submission for loan processing along with completion of loan write-up
- Presented term sheets back to prospects & handled presentation of loan documents for closings
- Completed Annual Attestations & Annual Regulatory Training needed by financial institution.
Relationship Specialist II / Assistant Vice President
Florida Community Bank
Port Charlotte, FL
05.2010 - 02.2013
- Worked the Charlotte County market prospecting consumer & small businesses with annual revenues up to $500K for discussion of bank partnership opportunities
- Opened bank deposit accounts for the bank which included checking, savings, money-market, CD's, IRA's, & safe deposit boxes
- Submitted personal & small business credit card applications
- Referred opportunities to partners for merchant services
- Referred uncovered higher-revenue commercial prospect opportunities to commercial bankers
- Handled varieties of service needs for clients with account maintenance, wire transfers, & stop payments
- Took applications for consumer equity loans & lines of credit, obtained financial documentation, and submitted into processing
- Presented loan documents to clients for closing
- Held Series 6 & Series 63 securities licenses but licenses shelved due to the bank's lack of an investment arm
- Licenses lost after May 2012
- Held
- Life/Health/Variable Annuity Insurance license as well
- Completed Annual Attestation & Annual Regulatory Training needed by financial institution.
Senior Financial Specialist / Personal Banker II / Assistant Vice President
Wachovia Bank, NA / Wells Fargo Bank
Port Charlotte, FL
04.2001 - 02.2010
- Worked the Charlotte County market prospecting consumer & small businesses with annual revenues up to $1M for discussion of bank partnership opportunities
- Opened bank deposit accounts for the bank which included checking, savings, money-markets, CD's, IRA's, & safe deposit boxes
- Held securities licenses for Series 6 & Series 63 along with insurance license
Education
High School Diploma -
Charlotte High School, Charlotte County
2006
Associate of Science - Pre-Engineering
Edison Community College
1991
Bachelor of Science - Business Administration
University of South FLorida
1990
Skills
- Sales Expertise
- Financial Analysis
- Cash-flow analysis
- Cash-handling
- MS Word & Excel Proficiencies
- Customer service-focused
- Reliable
- Excellent Communicator
Accomplishments
- Successful referral partner at Bank OZK for business engagements to wealth/trust /employer workplace solutions, SBA lending, & merchant services.
- Highly successful in gathering deposits for Bank by asking for business & selling full relationship and its benefits.
Timeline
Vice President, Commercial Lending
Bank OZK
05.2017 - Current
Association Relationship Manager / Vice President
Florida Community Bank, NA
10.2016 - 03.2017
Business Banking Relationship Manager / Vice President
Florida Community Bank, NA
10.2014 - 10.2016
Small Business Banker / Assistant Vice President
Florida Community Bank
02.2013 - 10.2014
Relationship Specialist II / Assistant Vice President
Florida Community Bank
05.2010 - 02.2013
Senior Financial Specialist / Personal Banker II / Assistant Vice President
Wachovia Bank, NA / Wells Fargo Bank
04.2001 - 02.2010
High School Diploma -
Charlotte High School, Charlotte County
Associate of Science - Pre-Engineering
Edison Community College
Bachelor of Science - Business Administration
University of South FLorida
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