Timothy Cramer

• Maintained compliance with laws and regulations governing commercial loans.
• Built trust and promoted customer loyalty throughout underwriting process.
• Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
• Executed 10 - 15 cold calls each week to develop new loan prospects.
• Evaluated loan requests and documents to verify accuracy and completeness.
• Negotiated loan terms and conditions with customers to secure best deal.

• Maintained compliance with laws and regulations governing commercial loans.
• Built trust and promoted customer loyalty throughout underwriting process.
• Conducted interviews and reviewed financial history, credit and property evaluations of each customer.
• Executed 5-10 cold calls each week to develop new loan prospects.
• Analyzed potential risks and evaluated loan products to identify suitable options for customers.
• Proactively identified solutions for customers experiencing credit issues.
• Negotiated loan terms and conditions with customers to secure best deal.

#1 CDC of the SBA504 Loan Program. Original office in Miami only. Hired to open Orlando Office, then opened Jacksonville, Montgomery AL, Atlanta and Tampa Offices.

Worked with all the banks in educating the program as was not really heard of back in 2002. Submitted all loan request to SBA and worked on Fundings of the Debentures

Generated Business/Commercial Real Estate Loans.

Top Producer in Florida

Business Banker and Regional Branch Administrator

Staff Accountant to Holding Company.