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
• 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
• 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.

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
• 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.

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..
• 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..
• 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.

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.
• Maximized portfolio performance in both regions, improving holdings from 66mm to 120mm.

Business Administration And Management, General

Commercial Management And Lending Practices

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