Summary
Overview
Work History
Education
Skills
Affiliations
Timeline
OperationsManager

Timothy W. Alford

Amory,MS

Summary

Seasoned banker that is passionate about providing excellent customer service, business development and exceeding expectations.

Overview

30
30
years of professional experience

Work History

Senior Vice President, Branch Manager

The First
12.2022 - Current
  • Divested branch during BancorpSouth merger with Cadence December 2022
  • Manager for Monroe County.
  • Use CRM software for loan analysis—includes financial, credit, collateral, and historical datato process cash flows.
  • Proficient with Credit Quest and Laser Pro software.
  • Converted 3,000 account routing numbers in 3 months during merger.
  • Grew net deposits $3MM during recent merger.
  • Received "Well Controlled” audits in 2023 with NO findings.
  • Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.

Monroe County President, SVP/Branch Manager

Cadence Bank
12.2006 - 03.2011
  • Managed $120 million in deposits and $24 million in loan portfolio. Analyzed applications, credit data, and financials for prospective loan customers
  • Awarded Circle of Excellence in 2017 & 2019 for MS Region
  • Supervised branch operations and made continuous improvements in each area.
  • Maintained friendly and professional customer interactions.
  • Reduced past dues from 16% in 2011 to 1.3% year-end. Moved graded loans out of bank's portfolio.
  • Boosted branch sales by engaging and training (5) 40+ year employees into sales culture. Led Cadence in multiple sales contests and product promotions.
  • Provided direction and leadership to all employees to maximize productivity and bottom-line profitability.

First Vice President, Commercial Relationship Officer

Renasant Bank
01.2006 - 03.2011
  • Grew from start-up branch to $35 million in loans and $29 million in deposits.
  • Responsible for business calls on prospects for loans, deposits, and treasury management opportunities.
  • Maintained and built close relationships with customers through regular contact and visits.
  • Consistently top 10 producer in referrals to other lines of business.
  • Approved all small business, mortgage, and consumer loans within credit authority.
  • Submitted larger credits to loan committee for approval.
  • Recommended loan structure, rate, and terms.
  • Collected any past dues or non-performing credit.
  • Reviewed portfolio and recommended loan grades at annual loan review.

Senior Vice President

BancorpSouth
02.2001 - 01.2006
  • Developed $28 million in loan portfolio consisting of commercial RE, small business and retail loans.
  • Promoted to Senior Vice President in Oxford branch in 2005. Recognized as top loan producer in NW region in 2005.
  • Handled several problem loan situations and ORE property sales for senior management.
  • Past dues consistently under 1% of portfolio.
  • Drove corporate revenue by creating strategies that fit perfectly with company's vision and mission.
  • Networked with customers, prospects and partners at after work events and engagements.

Vice President, Business Banker

Deposit Guaranty/AmSouth Bank
10.1999 - 02.2001
  • Demonstrated proficient leadership skills to motivate employees and build competent teams.
  • Hired and managed employees to maximize productivity while training staff on best practices and protocols.
  • Clarified roles, responsibilities and expectations of staff.
  • Collaborated with senior management to develop strategic initiatives and long term goals.
  • Built $4MM in new loan growth in 2000-2001.

Assistant Vice President

Mechanics Bank
06.1996 - 09.1999

Loan Officer

Union Planters/Sunburst Bank
11.1993 - 05.1996

Education

University of Mississippi
Graduate Of Ole Miss School Of Banking
2002

Master of Business Administration -

Mississippi State University
1991

Bachelor of Arts -

Mississippi State University
Starkville, MS
1989

Skills

  • Planning and Coordination
  • Training and Development
  • Problem-Solving
  • Decision-Making

Affiliations

Amory Band Boosters / Treasurer / 2016 - present

Rotary Club / Past President, Paul Harris Fellow / Assistant District Governor Region 6800

Chamber of Commerce & EDF / past board member

First Baptist Church of Amory MS / Member / Finance Committee Chair / Personnel Committee

Aberdeen Lions Club / past president

Friends of God Recovery Center / Financial educator

Timeline

Senior Vice President, Branch Manager

The First
12.2022 - Current

Monroe County President, SVP/Branch Manager

Cadence Bank
12.2006 - 03.2011

First Vice President, Commercial Relationship Officer

Renasant Bank
01.2006 - 03.2011

Senior Vice President

BancorpSouth
02.2001 - 01.2006

Vice President, Business Banker

Deposit Guaranty/AmSouth Bank
10.1999 - 02.2001

Assistant Vice President

Mechanics Bank
06.1996 - 09.1999

Loan Officer

Union Planters/Sunburst Bank
11.1993 - 05.1996

University of Mississippi

Master of Business Administration -

Mississippi State University

Bachelor of Arts -

Mississippi State University

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Timothy W. Alford