Billy Cullipher Email & Phone Number

Rockville, Md, Us

Washington Dc-Baltimore Area

Commercial Business Development/ AVP January 2024 to Present TD Bank, Washington DC • Develop and ensure the growth and profitability of TD Consumer Business through the management of the store portfolio including deposits, loans, fees and expenses.• Leads, coaches and motivates the store team to deliver a legendary employee and customer experience while achieving shareholder value through solutions and referrals.• Responsible for the Store growth by… Show more Commercial Business Development/ AVP January 2024 to Present TD Bank, Washington DC • Develop and ensure the growth and profitability of TD Consumer Business through the management of the store portfolio including deposits, loans, fees and expenses.• Leads, coaches and motivates the store team to deliver a legendary employee and customer experience while achieving shareholder value through solutions and referrals.• Responsible for the Store growth by focusing on deepening customer relationships, and referring them to the right specialist to ensure we are providing the best advice Show less

Germantown, Maryland, United States

• Lead a group of 5 employees including 3 loan officers and 2 loan processors, ensuring maximal productivity, enhanced training and clearly defined department expectations.• Educate members and potential members to credit union’s products and services.• Ensures consistent communication between members, leadership, staff, branches and support departments.• Retains current knowledge of Business/CDFI/Consumer/Mortgage loan products and policies in order to review and decision… Show more • Lead a group of 5 employees including 3 loan officers and 2 loan processors, ensuring maximal productivity, enhanced training and clearly defined department expectations.• Educate members and potential members to credit union’s products and services.• Ensures consistent communication between members, leadership, staff, branches and support departments.• Retains current knowledge of Business/CDFI/Consumer/Mortgage loan products and policies in order to review and decision loans.• Develop new products and services, including the business lending initiative that launched this year.• Counsels members with regard to loan decisions as well as cross-sells services.• Reviews all loan officer files prior to approval/funding.• Utilizes experienced based knowledge to resolve more complex lending problems including exception based loans. Show less

Silver Spring, Maryland, United States

Arlington, Virginia

• Third Party Payment Payments Relationship Portfolio Management; directly managed payment systems businesses in excess of $30mm.• Teamed with compliance office to ensure enhanced due diligence and conformity with federal laws and regulations.• Initiated Remote Deposit Capture, ACH capability, Positive Pay, International Wire service and Cash Management. • Maintained and serviced business relationships across the US and Canada, including initiation of treasury services; merchant… Show more • Third Party Payment Payments Relationship Portfolio Management; directly managed payment systems businesses in excess of $30mm.• Teamed with compliance office to ensure enhanced due diligence and conformity with federal laws and regulations.• Initiated Remote Deposit Capture, ACH capability, Positive Pay, International Wire service and Cash Management. • Maintained and serviced business relationships across the US and Canada, including initiation of treasury services; merchant, positive pay, remote deposit capture and cash management solutions• Enhanced bank profile in the Clarendon Area by serving on Clarendon Alliance Board.• Expanded Commercial Business by $15MM within first year at Clarendon Office• Partnered with Commercial lenders acquire deposits and loans.• Worked with centers of influence (COI’s) for referred business. • Strictly enforced all policies and procedures, including hard credit inquiries, of all new client relationships.• Strong emphasis on referrals for commercial loans, deposit acquisition focusing on core deposits and non-interest income.• Initiated and cultivated relationships with clients to jointly define their service goals and priorities for their companies. Show less

Washington D.C. Metro Area

Organization based on small businesses in the immediate Georgetown area that advocate for the businesses and monitoring legislation from the DC city council and community organizations. Area leaders and members actively attend and speak at functions and prominent city officials including the mayor and city councilman are often in attendance.

Washington D.C. Metro Area

Recognized leader in acquiring significant commercial deposit relationships. Efforts were recognized in Washington Business Journal. http://www.bizjournals.com/washington/potmsearch/detail/submission/2264331/Billy_CullipherJob Duties Included:• Developed business opportunities in and around the immediate Georgetown footprint to include sole sourced relationships exceeding 30mm within 2 years.• Effectively managed commercial client portfolio’s and expanded financial… Show more Recognized leader in acquiring significant commercial deposit relationships. Efforts were recognized in Washington Business Journal. http://www.bizjournals.com/washington/potmsearch/detail/submission/2264331/Billy_CullipherJob Duties Included:• Developed business opportunities in and around the immediate Georgetown footprint to include sole sourced relationships exceeding 30mm within 2 years.• Effectively managed commercial client portfolio’s and expanded financial services deemed beneficial to client.• Established partnerships with commercial lenders to proactively provide joint calling efforts for potential clients.• Implemented all treasury management services to insure seamless transition of new clients.• Retained and expanded existing portfolio’s as well as referral sources such as COI’s. Effectively utilized social media networks, including Vertical IQ and GuideStar to identify prospective clients.• Maintained community prominence by actively participating in various charitable events such as Habitat for Humanity as well as numerous networking events in all 4 quadrants of the city as well as suburbs. Show less

Washington D.C.

Market Leader/ Business Development/Lending Officer/ Assistant Vice PresidentWashington, DCTitle change to include prior obligations as well as the following responsibilities:• Maintained individual lending authority since 2003.• Developed quality business opportunities to include Georgetown and Friendship Heights.• Managed dual offices and staff to achieve optimal performance in the Small Business and retail markets.• Maximized portfolio performance in both regions,… Show more Market Leader/ Business Development/Lending Officer/ Assistant Vice PresidentWashington, DCTitle change to include prior obligations as well as the following responsibilities:• Maintained individual lending authority since 2003.• Developed quality business opportunities to include Georgetown and Friendship Heights.• Managed dual offices and staff to achieve optimal performance in the Small Business and retail markets.• Maximized portfolio performance in both regions, improving holdings from 66mm to 120mm.• Managed all office reports including yearly budgets and projections for dual areas.• Proactively initiated, developed and managed long term, profitable relationships with consumer and commercial clients• Provided daily leadership and coaching to members of the sales team to ensure maximum performance and attainment of sales goals for asset growth and development for both stockholder and client.• Successfully exceeded goals for deposit acquisition, retail and portfolio mortgage lending retention• Mentored new officer trainees from the Leadership Development Program.BB&T Bank Retail Lending (Services) Officer/ Assistant Vice President October 2003 to July 2006 Relationship Banker November 1999 to 2003• Assessed credit risk based on borrower’s credit/payment history, income and overall financial situation.• Lending authority to include fiduciary responsibility to all borrower’s.• Received several awards for top lending officer in DC region.• Achieved exemplary status in obtaining clients for home equity, auto, marine vessel and portfolio mortgage lending.• Facilitated seminars on various lending practices to teach and motivate new and existing employees.• Named in the BB&T insider monthly magazine as the cover story including front page picture as Sterling Award Winner. • Collaborated closely with attorney’s and title companies to insure timely and efficient closings. Show less

Business Administration And Management, General

Commercial Management And Lending Practices

Lending and underwriting training (2003) Multiple leadership training courses (2006-20012)