STEPHEN E. RATTERMAN JR.
Signal Mountain,TN
Summary
Senior commercial banker with over 18 years of experience advising business owners, executives, and high-net-worth clients on strategic lending, treasury management, and comprehensive financial solutions. Proven leader in market expansion and business development, consistently achieving significant loan and deposit growth through exceptional relationship management. Recognized for integrating private banking advisory expertise with commercial lending to deliver holistic financial guidance tailored to client needs. Actively engaged in the Chattanooga community with a strong commitment to nonprofit and civic organizations.
Overview
19
19
years of professional experience
Work History
Senior Vice President, Senior Commercial Banker
WesBanco Bank
Chattanooga, TN
06.2023 - Current
- Joined long term team to launch loan production office in Chattanooga, TN, enhancing regional service capabilities.
- Facilitated client transitions to the bank while expanding relationships with more diverse service capabilities.
- Develop and sustain comprehensive banking relationships as a full-service advisor for new and existing clients.
- Have been a key driver for initiatives that contributed to over $500,000,000 in loan growth and deposits within three years.
Senior Vice President, Commercial Lender
CapStar Bank
Chattanooga, TN
11.2021 - 06.2023
- Spearheaded recruitment efforts for a team of experienced commercial bankers and credit officers to bring Capstar Bank to the Chattanooga market.
- Worked with local and regional business owners to provide financing, deposit support and treasury management services across different industries
- Helped to secure funding for over $250,000,000 in loans while increasing deposits by over $140,000,000 within 18 months
Senior Vice President
Pinnacle Bank
Chattanooga, TN
09.2016 - 11.2021
- Sourced, developed, and maintained relationships with business owners and high-net-worth clients to enhance portfolio diversity and value.
- Worked with clients in manufacturing, medical, commercial real estate development, hospitality and professionals in legal and accounting
- Facilitated a team for client onboarding and account maintenance to enhance portfolio management and proactively address client needs.
Vice President, Private Banking Relationship Manager
First Tennessee Bank
Chattanooga, TN
08.2015 - 09.2016
- Oversaw client portfolio management for high net worth individuals and families, focusing on relationship enhancement and personalized service.
- Executed comprehensive advisory services by delivering tailored banking solutions and strategic credit and investment guidance.
- Engaged with retail and commercial partners to enhance client relationships through targeted cross-selling initiatives.
Vice President, Private Advisor II
BB&T
Chattanooga, TN
07.2012 - 08.2015
- Directed establishment of private advisor office in Chattanooga, enhancing service coverage across Southeast Tennessee. Coordinated efforts with three commercial lending teams, BB&T Insurance group and 18 retail branches to optimize client engagement.
- Developed and oversaw a diverse portfolio of high net worth clients as a full-service advisor. Led a team of specialists to enhance customer service through tailored banking solutions and strategic investment guidance. Championed comprehensive estate and business transition planning initiatives.
- Mentored retail partners in recognizing wealth prospects and leveraging cross-sell opportunities.
- Organically grew a book of business that reached more than $58,000,000 in deposits, $95,000,000 in managed investment assets, over $42,000,000 in loans, and total annual revenue growth exceeding $300,000
Private Client Relationship Manager
First Tennessee Bank
Chattanooga, TN
09.2008 - 07.2012
- Executed client acquisition and portfolio management for high net worth individuals, focusing on personalized service and financial growth.
- Established role as a full-service advisor by delivering tailored banking solutions and strategic credit and investment guidance.
Sales Associate
Titan Lending Group
Brentwood, TN
07.2007 - 01.2008
- Worked with borrowers within the insurance industry to restructure debt and obtain capital for agency acquisitions or expansion needs
- Facilitated loan closing, coordinated legal review and UCC searches, as well as transition documents
Education
Southeastern School of Banking Graduate -
Owen Graduate School of Management, Vanderbilt University
Nashville 08-2012
Bachelor Of Business Administration - Managerial Finance And Investment Analysis
University of Mississippi
Oxford, MSSkills
- Strategic leadership
- Business development
- KPI tracking
- Organizational development
- Revenue generation
- Leadership and people development
- Relationship and team building
- Client engagement
- Revenue growth
- Sales growth
- Effective communicator and public speaker
- Analytical and critical thinker
COMMUNITY INVOLVEMENT
- 2010 - 2011: Young Professionals Association of Chattanooga corporate sponsor chair
- 2010 - Present: Annual ALS Gala committee member
- 2012 Chair Annual ALS Gala
- 2010: Graduate of Leadership Chattanooga
- 2011 - 2012: March of Dimes annual golf fundraiser co-chair
- 2011 - 2013: Consumer Credit Counseling Services advisory committee
- 2011 - 2013: Leadership Chattanooga Alumni Association board of directors; Treasurer 2013
- 2013 - 2015: Rotaract of Chattanooga board member, sponsored by Chattanooga Downtown Rotary Club
- 2016 - 2018: President of Rotaract Club of Chattanooga
- Member of Downtown Chattanooga Rotary
- 2016 - 2021 Siskin Children’s Institute Board of Directors; Finance committee member
- 2021-2023 American Heart Association Heart Ball member
Timeline
Senior Vice President, Senior Commercial Banker
WesBanco Bank
06.2023 - Current
Senior Vice President, Commercial Lender
CapStar Bank
11.2021 - 06.2023
Senior Vice President
Pinnacle Bank
09.2016 - 11.2021
Vice President, Private Banking Relationship Manager
First Tennessee Bank
08.2015 - 09.2016
Vice President, Private Advisor II
BB&T
07.2012 - 08.2015
Private Client Relationship Manager
First Tennessee Bank
09.2008 - 07.2012
Sales Associate
Titan Lending Group
07.2007 - 01.2008
Southeastern School of Banking Graduate -
Owen Graduate School of Management, Vanderbilt University
Bachelor Of Business Administration - Managerial Finance And Investment Analysis
University of Mississippi