Philip Whitehead

* Made appointments with in place customer base cross selling bank services based on customer needs

* Made appointments with prospective customers cross selling bank services based on company needs

* Showed the propensity to add bank revenue and net income by bringing in product partners and asking needs based questions:

(1) loans (operating lines of credit, owner occupied real estate debt, investor commercial real estate (multifamily, industrial warehouse, office, single tenant retail, shopping center)), and equipment debt

(2) Treasury Management Services (accounts, lockbox, wires, ACHs, online banking/information reporting, p-card, merchant services).

(3) International Banking Services (Fx currency transactions)

(4) Retirement Plant Services (401k)

(5) Private Banking Service referrals

* Ability to call on and ask needs based questions at a diverse company types such as manufacturers, wholesalers, distributors, grocery stores, cities, counties, colleges, universities, commercial real estate investors.

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* Credit analyst first two years underwriting new commercial loans using customer and prospective customer financial statements

* Made appointments with in place customer base cross selling bank services based on customer needs

* Made appointments with prospective customer base cross selling bank services based on company needs

* Showed the propensity to grow bank revenue and net income by bringing in product partners and asking needs based questions:

(1) loans (operating lines of credit, owner occupied real estate debt, equipment debt, acquisition debt;

(2) Treasury Management Services (accounts, lockbox, wires, ACHs, online banking/ information reporting, p-card, merchant services);

(3) International Banking Services (Fx, Trade Finance);

(4) Retirement plan services;

(5) Private Banking Services

(6) large acquisition syndicated debt financing

* Called on manufacturers, wholesalers, distributors, grocery store chains, Cities, Counties, Universities, Colleges

* Researched product performance on company database for management use in finding sales and profitability trends

* Used above data to create spread sheets for marketing team

* Ran errands around company campus passing information as needed for other departments

• Processed customer transactions promptly, minimizing wait times.
• Promoted a welcoming atmosphere in the branch by greeting customers warmly upon arrival and addressing them by name when possible.
• Answered customer inquiries regarding account balances, transaction history, services charges, and interest rates.
• Opened new checking accounts and savings accounts for individuals and small businesses