Raymond Lloyd
Atlanta,United States
Summary
Experienced business business banker and former business owner with a proven track record in business banking and management, spanning over 15 years. Eager to contribute my expertise in fostering entrepreneurial growth and realizing individual's aspirations.
Overview
18
18
years of professional experience
Work History
Vice President Business Banker
Capital One Business Development Bank
08.2024 - Current
- Drive revenue growth by sourcing and acquiring new business clients ($2MM–$20MM in annual revenue), offering tailored deposit, lending, and treasury management solutions.
- Cultivate and maintain a strong network of Centers of Influence (COIs), including CPAs, attorneys, and commercial real estate professionals, to generate high-quality referrals.
- Conduct prospect and client meetings to understand business needs, present customized solutions, and close new banking relationships.
- Manage and deepen existing client relationships by identifying cross-sell opportunities and delivering comprehensive financial solutions.
- Collaborate with internal teams to ensure exceptional client service and a seamless onboarding and servicing experience.
- Successfully retained client relationships through proactive communication and exceptional service.
- Actively expanded the book of business by acquiring new clients for the bank on a quarterly basis.
- Strengthened existing relationships by strategically offering banking and credit solutions to support client's growth objectives.
- Exercised proficient management skills as a Commercial Lending Manager and skillfully nurtured and expanded a large and intricate portfolio of commercial loans.
- Demonstrated exceptional strategic acumen in driving growth, market penetration, and ensuring compliance.
- Provided effective leadership, resulting in significant market penetration and successful outcomes.
- Developed and executed strategic business plans, resulting in a 15% increase in small business loan portfolio within one year.
- Cultivated and maintained relationships with small business owners, providing financial guidance and customized solutions to meet their unique needs.
- Led a team of small business bankers, overseeing their performance and providing coaching and mentorship to drive exceptional customer service and achieve sales targets.
- Implemented innovative marketing strategies, resulting in a 20% growth in new small business customer acquisition within six months.
Wealth Management Business Banker
Bank of America Merrill Lynch
08.2018 - 08.2024
- Provided expert guidance on business financing options, helping clients secure necessary capital for growth.
- Coordinated with various departments to ensure seamless delivery of banking services across all channels.
- Conducted comprehensive financial analyses to identify opportunities for business expansion and risk mitigation.
- Developed customized lending solutions to meet the unique needs of small businesses and entrepreneurs.
- Maximized revenue generation through careful assessment of loan applications and diligent follow-up on delinquent accounts.
- Worked with Merrill Lynch Private Wealth clients and their business portfolios
Small Business Manager
PNC Bank
08.2007 - 09.2018
- Developed and maintained strong client relationships to ensure client retention.
- Successfully negotiated service contracts for merchant services.
- Conducted active outside sales calls to both potential and existing commercial clients.
- Promoted new financial products and services to potential clients.
- Demonstrated expertise in B2B outside sales of financial services.
- Developed effective strategies to meet sales goals.
- Provided access to employees, business banking, merchant services, and treasury management.
- Supervised and effectively managed a team of 10 professionals.
- Contributed to the growth of PNC in Atlanta market by focusing on small business lending and deposit growth.
- Provided training and guidance to similar teams in other markets within PNC's footprint.
Education
Bachelors - Business Administration
University of South Carolina
Skills
- Sales
- Management
- Financial analysis
- Underwriting
- Financial analysis Professional
- Efficiently managed business operations within budgetary constraints
- Established and fostered relationships with new and prospective companies to build comprehensive banking relationships
- Provided access to employees, business banking, merchant services, and treasury management
- Supervised and effectively managed a team of 10 professionals
- Contributed to the growth of PNC in Atlanta market by focusing on small business lending and deposit growth
- Provided training and guidance to similar teams in other markets within PNC's footprint
- Relationship
- Risk assessment Professional
- Cross-selling Professional
- Decision-making
- Critical thinking
- Relationship building
- Client relationship building
- Business development
Timeline
Vice President Business Banker
Capital One Business Development Bank
08.2024 - Current
Wealth Management Business Banker
Bank of America Merrill Lynch
08.2018 - 08.2024
Small Business Manager
PNC Bank
08.2007 - 09.2018
Bachelors - Business Administration
University of South Carolina
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