Bill Winchester Email and Phone Number

• Manage and grow portfolio of Refuse & Recycling Clients located in Mid-Atlantic and Southeastern States.• Routinely prospect companies in the Refuse & Recycling Industry with goal of building long term relationships to provide financing for annual CAPEX Needs. • Attend National and Regional Conferences to visit with prospects, clients and vendors in the industry.

•Proactive prospecting to clients on anticipatory financing requests provided annual average Loan & Lease Originations of $32MM over four-year period from 2015-2019.•Negotiated pricing with clients and keen focus towards Return on Equity produced annual average Gross Profit of $1.3MM over four-year period from 2015-2019.•Expanded business with existing clients as well as adding new companies allowed portfolio to grow in excess of $80MM.•Consulted and educated clients, prospects and Commercial Bankers regarding the benefits of equipment finance. Process provided direction for matching the client needs with appropriate finance structure.•Acquired financial packages and reviewed credit quality (debt service, net worth, leverage, etc.) prior to submitting request to underwriting which allowed for a streamlined process and a greater experience for client. •Strengthened partnerships with Commercial Banking Teams in North Carolina Region that created unwavering trust with bank partners and ultimately led to increases in production and bank revenue. •Mentored several new Territory Managers during their onboarding period. Mentoring consisted of system and product training, partnering with bank leadership any guidance needed to prepare new employee for success.

Product liaison for all Small Business Sales Channels including Financial Centers and Treasury Service Sales Consultants.

Prospected daily on existing and potential clients with the objective of setting appointments for profiling of expressed and unperceived needs. Developed and deepened client relationships through cross-sell techniques and retained existing relationships through quality service.