Summary
Overview
Work History
Skills
References
Timeline
Generic

Theresa Luciano

Seattle,WA

Summary

Utilize exceptional leadership skills and consultative selling techniques to increase commercial and industrial loan growth and cross sales of all banking products, including commercial real estate, private banking, and wealth management services. To lead and drive new business and organic growth for a Financial Institution operating in the Puget Sound Region.

Strong background in leadership, sales management, business development, marketing, portfolio management, credit analysis, loan packaging/presentation and regulatory compliance. In depth knowledge of investments, trust and wealth transfer products and services. Met and exceeded sales and productivity objectives for 30 years. Experience working with large and diverse clientele and cultivating successful long term client relationships and centers of influence. Effective organization and communication skills. Proven history of building successful partnerships across all channels of the bank and communities we serve.

Overview

34
34
years of professional experience

Work History

Senior Vice President and Commercial Relationship Manager

Umpqua Bank
Bellevue, Washington
01.2022 - 05.2024
  • Successfully grew the bank's Commercial and Industrial (C&I) market share by identifying, attracting, and securing new Middle Market relationships
  • Demonstrated strong performance in meeting personal targets for loans, deposits, and core fee income to drive the bank's financial success
  • Providing unique consult, ideas, and options to Middle Market clients as a trusted advisor.
  • Developed a comprehensive knowledge of clients' businesses and industries to effectively lead and enhance business development efforts.
  • Conducted client assessments to ensure the delivery of appropriate banking solutions amid changing client preferences
  • Developed strategies to effectively acquire, retain, and grow targeted clientele.

Vice President and Sr. Commercial Relationship Manager, Market Manager

First Financial NW Bank
Renton, Washington
01.2018 - 01.2022
  • Acquired, managed, and grew profitable account relationships with diverse clientele including business clients, non-profit organizations, and real estate investors
  • Successfully increased portfolio's success and growth by acquiring new clients and cultivating stronger relationships with existing ones.
  • Spearheaded the successful processing of more than 450 SBA PPP loans, achieving a total value of $50 million and working closely with clients to ensure loan Forgiveness while consistently meeting commercial production targets.
  • In 2 years, effectively launched and operated the Kent Branch, resulting in an impressive $45 million worth of business deposits.
  • Demonstrated exceptional management skills by overseeing the successful launch of the Kirkland Branch, resulting in a significant increase of $8 million in business deposits over a 12-month period.
  • Oversaw the hiring process and supervised the day-to-day management of a skilled Treasury Management Team.
  • Earned awards for consistently accumulating the most CRA volunteer hours in 2019, 2020, and 2021
  • Served as a member of the compliance committee

Vice President and Commercial Relationship Manager

1ST SECURITY BANK
Seattle, Washington
01.2015 - 01.2018
  • Responsible for establishing and maintaining relationships with a diverse range of commercial clients generating revenues between $1MM and $50MM.
  • Manages loan portfolio effectively while ensuring compliance with loan policy and underwriting guidelines
  • Established and maintained a tickler system for renewal management
  • Maximized sales opportunities by targeting key business segments and industries.
  • Worked closely with all areas of the bank to create new products and services including a commercial online banking platform
  • Coached Retail Branch Managers to identify business product opportunities and cultivate their own networks of influence.
  • Contributed to creating an SBA team and finding loans to qualify bank as SBA preferred lender

Vice President and Small Business Banker

BANK OF AMERICA
Seattle, Washington
01.2011 - 01.2015
  • Provided comprehensive management for diverse, small business clients with revenues ranging from $1-$10M
  • Established and cultivated new business relationships through proactive prospecting and networking efforts with influential individuals in the industry.
  • Retaining and deepening existing relationships and referring business to commercial and corporate banking as appropriate
  • Analyzed client financial and operating strategies to recommend alternative or additional financial services that best met their immediate and long-term personal and business needs.
  • Led, directed, and coordinated a team of key members to analyze, execute, and deliver products and services efficiently to clients and prospects
  • Collaborated with product partners to successfully deliver a wide range of banking products, including credit, treasury, liquidity and depository solutions, wealth management, and investment products.

Vice President and Senior Mortgage Loan Officer

BANK OF AMERICA
Seattle, Washington
01.2010 - 01.2011
  • Drove real estate loan sales through self-sourcing mortgage loans and working closely with Wealth Management team members.
  • Achieved an average monthly production of $4MM
  • Received accolade as a Gold Club recipient for outstanding performance

Vice President, Private Mortgage Banking

WELLS FARGO
Bellevue, Washington
01.2009 - 01.2010
  • Sourced loans meeting WFHM guidelines and delivering exceptional customer service.
  • Provided loan analysis and underwriting services to esteemed clients in the realm of Private Banking and Wealth Management.
  • Achieved consistent monthly production averaging $5-$6MM

Vice President and Branch Manager of Main Office and Business Banking

FIRST MUTUAL BANK
Bellevue, Washington
01.2003 - 01.2005
  • Led and coached a team of ten sales and service professionals, exceeding sales targets and ensuring operational excellence in the branch.
  • Applying proactive measures to identify and manage risk across business, product, and service transactions within the bank's risk framework.
  • Led new business development efforts resulting in $10MM in new business deposits in 2005
  • Trained and motivated main-office staff, surpassing sales goals and leading the bank's top branch.

Vice President, Private Client Group Manager

EVERTRUST BANK
Seattle, Washington
01.2002 - 01.2003
  • Lead a team in opening and operating the Seattle Private Client Group
  • Successfully generated $12MM in loan originations in the first year, surpassing target by 400%.
  • Achieved a deposit growth of $4MM in the first year, surpassing the goal by 150%.
  • Generated $7MM construction loan for first-year development of Issaquah Highlands Project and increased funding to $8MM in second year

Vice President and Client Manager, Premier Banking, and Investments

BANK OF AMERICA
Seattle, Washington
01.1990 - 01.2002
  • Successfully managed client portfolios consisting of $650MM in deposit and investment balances, in addition to overseeing credit commitments totaling $200MM.
  • Consistently earned Gold Club Award Status annually
  • Participated in the Spring Focus Winner trip to Beverly Hills, San Francisco, and Maui.

Skills

  • Advanced Credit Analysis for Business
  • Washington Bankers Association Credit Analysis Development Program
  • Washington Bankers Association Commercial Lending Development Program
  • Basic Mortgage Underwriting
  • Consultative Selling Skills
  • Treasury and Cash Management
  • Insurance Life and Disability
  • Investment Registration Series 6, 63 and 65

References

  • Joe Zavaglia, Retired Banking Executive. Board Member of 1st Security Bank
  • Dalen Harrison, Chief Banking Office of First Financial NW Bank
  • Debbie Taglialavore, Director of Business Services BECU
  • Daniel Hatch, Director of Commercial Lending BECU
  • David Tan, Executive Director Mount Baker Housing
  • Deborah Mello, Retired Investment Advisor Bank of America/Merrill Lynch

Timeline

Senior Vice President and Commercial Relationship Manager

Umpqua Bank
01.2022 - 05.2024

Vice President and Sr. Commercial Relationship Manager, Market Manager

First Financial NW Bank
01.2018 - 01.2022

Vice President and Commercial Relationship Manager

1ST SECURITY BANK
01.2015 - 01.2018

Vice President and Small Business Banker

BANK OF AMERICA
01.2011 - 01.2015

Vice President and Senior Mortgage Loan Officer

BANK OF AMERICA
01.2010 - 01.2011

Vice President, Private Mortgage Banking

WELLS FARGO
01.2009 - 01.2010

Vice President and Branch Manager of Main Office and Business Banking

FIRST MUTUAL BANK
01.2003 - 01.2005

Vice President, Private Client Group Manager

EVERTRUST BANK
01.2002 - 01.2003

Vice President and Client Manager, Premier Banking, and Investments

BANK OF AMERICA
01.1990 - 01.2002

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Theresa Luciano