Vanessa Grimaldi
Sarasota/Bradenton,FL
Summary
Driven Commercial Banking Relationship Manager offering over 15 years of progressive banking experience in acquiring new commercial banking clients, expanding existing relationships as well as managing successful teams to performing at their fullest potential. Well-versed in developing new business through cross-sales and referrals and helping clients acquire the most relevant and compelling financial solutions. Strategic and articulate professional certified in commercial lending.
Overview
22
22
years of professional experience
Work History
Vice President Commercial and SBA Lending
BayFirst Bank
St. Petersburg, FL
02.2020 - Current
- Comprehensive management of commercial loan portfolio, to include all aspects of growth and management of their book of business for clients with average gross revenues of 1MM to 75MM
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Monitor loans to ensure complete conformity with terms and to ascertain any developing trends
- Evaluate and extend credit and terms in accordance with policy and lending authority
- Represent BayFirst in the community by actively participating in civic affairs and local and professional organizations to identify and develop new clients and enhance the Bank's image
- Assume responsibility for proper documentation and data integrity
- Conducted presentations to upper management and executive teams for loan recommendations.
- Assessed credit risk and analyzed financial statements.
- Proved successful working within tight deadlines and fast-paced atmosphere
- Offered friendly and efficient service to customers, handled challenging situations with ease
Vice President Business Relationship Manager
Citibank
Palm Beach, FL
04.2018 - 02.2020
- Identify prospects through the Bank's internal network as well as through external means such as cold calling, research and industry conferences
- Maintained up-to-date knowledge of competitors' products.
- Reviewed deposit profitability analysis and outlined strategies to bring unprofitable accounts back to productive status.
- Assisted in planning portfolio growth through the development of business plans in alignment with departmental goals and consistent with overall objectives.
- Built and deepened productive relationships with prospective and current clients to drive sustained growth.
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Managed a portfolio of 300 clients with $265MM in deposits and 85MM in total active loans.
- Researched current trends to identify prospective customers and determine specific needs.
Vice President Market Manager, Business Banking
Seacoast Bank
Palm Beach, FL
04.2016 - 04.2018
- Networked in the market to build partnerships and connections with prospects.
- Provided leadership and direction to grow the portfolio and increase revenue.
- Met with customers to assess needs and propose customized solutions.
- Assessed credit risk and analyzed financial statements.
- Developed and maintained strong knowledge of multiple products and varying levels of benefits within each product.
- Fostered positive business relationships to promote continued interest in commercial products and services.
- Gathered customer information and maintained in CRM database.
- Met with clients to determine financial objectives and review assets, liabilities, cash flow and other financial information.
Vice President Market Leader
Truist Bank
Palm Beach, FL
01.2012 - 04.2016
- Managed 3 branch locations with a total of 17 team members
- Maintained top performing branch in business banking vertical with YOY production exceeding 155% of plan
- Resolved issues and recommended actions based on production and compliance reports.
- Spearheaded cross-functional initiatives across departments to achieve business goals for bottom-line profits.
- Established performance goals for the department and provided methods for reaching milestones.
- Full P&L Management
- Only Branch Manager invited to join commercial banking team to partner to grow commercial banking segment in the local market
- Exceeded goals through effective task prioritization and great work ethic
Relationship Manager
Royal Bank Of Canada, RBC
Palm Beach, FL
01.2004 - 01.2012
- Monitored issues proactively and reached out to customers to provide immediate resolution and maintain satisfaction.
- Networked with business leaders and executives to identify clientele within local community.
- Generated new business and referral clients in partnership with financial advisors and branch team.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Networked with business leaders and executives to identify clientele within the local community.
- Supported end-to-end credit management process, submitted complete loan documentation and supported credit originations for credit compliance.
- Assisted customers with needs such as opening accounts, depositing or transferring funds, updating account details and signing up for new services.
- Utilized prospecting techniques to identify potential clients and create opportunities to sell financial services.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Built and maintained relationships with new and existing clients while providing high level of expertise.
Education
Bachelor of Science - Marketing & Persuasive Messaging
University of Florida
Gainesville, FLCertification - Commercial Credit
Risk Management Association
Skills
- Commercial Lending
- SBA Lending (504 and 7a)
- SOP Expert
- USDA Lending
- Treasury Management
- Data Analytics
- Strategic planning
- Market Analysis
- Targeted marketing
- Financial Analysis
- Credit risk
- Relationship building and retention
- Policy and Procedure Development
- Performance Metrics Analysis
- Program oversight
- Presentations
- Negotiation
- Financial Management
- Business Development
- Analytical and Critical Thinking
- Verbal and written communication
About me
- Proud Mother of a Duke University Student (Recent Empty Nester)
- Avid Dragon Boat Racer
- Fierce Weekend Chef
- Community Business Educator Volunteer
Timeline
Vice President Commercial and SBA Lending
BayFirst Bank
02.2020 - Current
Vice President Business Relationship Manager
Citibank
04.2018 - 02.2020
Vice President Market Manager, Business Banking
Seacoast Bank
04.2016 - 04.2018
Vice President Market Leader
Truist Bank
01.2012 - 04.2016
Relationship Manager
Royal Bank Of Canada, RBC
01.2004 - 01.2012
Bachelor of Science - Marketing & Persuasive Messaging
University of Florida
Certification - Commercial Credit
Risk Management Association