Summary
Overview
Work History
Education
Skills
Timeline
Generic

Reginald Harris

Forsyth,GA

Summary

Organized and dependable Commercial Credit Analyst successful at managing multiple priorities with a positive attitude. Willingness to take on added responsibilities to meet team goals. With a primary desire to assist in all duties that will result in a successful outcome for both the client and the bank.

Overview

27
27
years of professional experience

Work History

Commercial Portfolio Manager

TRUIST
06.2023 - 01.2024
  • Maximized loan portfolio growth by identifying and pursuing new business opportunities.
  • Reduced credit risk exposure by conducting thorough financial analysis and regular monitoring of client accounts.
  • Managed a diverse commercial lending portfolio consisting of over 20+ relationships, ensuring compliance with banking regulations and policies.
  • Achieved strong financial performance through diligent management of underwriting practices and risk mitigation efforts. Underwrote credit exposure from $5 million upwards to $75 million.
  • Presented detailed credit proposals to senior management for review and approval, demonstrating sound judgment and persuasive communication skills. Completed annual reviews on an annual and quarterly basis for client relationships.
  • Monitored economic trends to better anticipate shifts in market demand or potential risks associated with specific industries or sectors.
  • Negotiated favorable terms for both the bank and borrowers during loan restructuring discussions, preserving long-term client relationships while minimizing loss exposure.

Credit Team Lead

TRUIST
09.2021 - 06.2023
  • Improved team productivity by implementing efficient project management strategies and streamlining communication channels.
  • Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities on a monthly basis.
  • Developed and maintained effective relationships with key stakeholders to better understand their needs and expectations.
  • Managed risks and mitigated potential issues through proactive planning, monitoring, and timely decision making for the Georgia Commercial Sales Team with a $1 billion portfolio.
  • Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.
  • Optimized resource allocation by analyzing team member skills and project requirements, resulting in increased efficiency.
  • Conducted regular progress reviews with individual team members to identify areas for improvement and provide guidance on career development opportunities.
  • Coached 7 team members in techniques necessary to complete job tasks.
  • Trained new team members by relaying information on company procedures and safety requirements.

Commercial Portfolio Manager

BB&T
04.2011 - 09.2021
  • Maximized loan portfolio growth by identifying and pursuing new business opportunities. Helped grow the Warner Robins, GA commercial loan portfolio from $79 million to over $100 million in just 6 months.
  • Reduced credit risk exposure by conducting thorough financial analysis and regular monitoring of client accounts.
  • Managed a diverse commercial lending portfolio, ensuring compliance with banking regulations and policies.
  • Achieved strong financial performance through diligent management of underwriting practices and risk mitigation efforts.
  • Presented detailed credit proposals to senior management for review and approval, demonstrating sound judgment and persuasive communication skills.
  • Monitored economic trends to better anticipate shifts in market demand or potential risks associated with specific industries or sectors.
  • Negotiated favorable terms for both the bank and borrowers during loan restructuring discussions, preserving long-term client relationships while minimizing loss exposure.

Financial Center Manager

BB&T
07.2002 - 04.2010
  • Improved a financial center performance consisting of $24+ million in deposits and $6+ million in loans by implementing effective sales strategies and staff training programs.
  • Streamlined operations for increased efficiency through process optimization and workflow management.
  • Enhanced customer satisfaction with exceptional service, relationship building, and personalized banking solutions.
  • Developed a high-performing , 5 member team through targeted recruitment, coaching, and professional development initiatives.

Leadership Development Program Associate

BB&T
01.2002 - 07.2002
  • Six Month Intensive training program, which prepared newly selected hires for various job assignments including but not specific to retail, commercial, and other business segments of the bank.

Claims Adjuster

GEICO
08.1999 - 01.2002
  • Improved claim resolution times by efficiently managing a caseload of 50+ claims per month.
  • Achieved high customer satisfaction ratings by providing clear and timely communication throughout the claims process.
  • Negotiated favorable settlements with claimants, attorneys, and other insurance carriers to minimize financial risk for the company.
  • Conducted thorough investigations of complex insurance claims, gathering evidence and analyzing relevant documentation.

Insurance Sales Agent

GEICO
07.1997 - 08.1999
  • Increased client satisfaction by providing personalized insurance solutions tailored to individual needs.
  • Developed strong relationships with clients through consistent communication and exceptional customer service.
  • Enhanced sales pipeline by targeting potential customers in various markets and utilizing effective marketing strategies.
  • Expanded client base by generating referrals from satisfied customers and networking within the community.

Education

MBA - Business Management

Mercer University
Macon, GA
06.2000

Bachelor of Science - Accounting

Alabama State University
Montgomery, AL
05.1997

High School Diploma -

Northeast High School
Macon
06.1992

Skills

  • Debt Restructuring
  • Strategic Planning
  • Decision Making
  • Underwriting Expertise
  • Team Leadership
  • Portfolio Management
  • Commercial Lending
  • Credit Risk Assessment
  • Financial Analysis

Timeline

Commercial Portfolio Manager

TRUIST
06.2023 - 01.2024

Credit Team Lead

TRUIST
09.2021 - 06.2023

Commercial Portfolio Manager

BB&T
04.2011 - 09.2021

Financial Center Manager

BB&T
07.2002 - 04.2010

Leadership Development Program Associate

BB&T
01.2002 - 07.2002

Claims Adjuster

GEICO
08.1999 - 01.2002

Insurance Sales Agent

GEICO
07.1997 - 08.1999

MBA - Business Management

Mercer University

Bachelor of Science - Accounting

Alabama State University

High School Diploma -

Northeast High School

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Reginald Harris