Caleb Hester Email & Phone Number

Denver, Colorado, United States

Work with middle market companies to provide complete banking and financial solutions. Typical customers include businesses that are family owned/small ownership groups with revenue of $20 million - $200 million. Preferred industries include distributing and manufacturing and professional services. Prior to working in the lending department, spent time as a Commercial Analyst performing comprehensive financial, industry, collateral, and risk analysis on new and existing clients with typical loan amounts ranging from $1 million - $20 million.

Greater Denver Area

 Managed the small-dollar amount workout loan portfolio and collection process and worked with past-due borrowers to keep them current, minimizing loss and maintaining a below average charge off rate.  Processed and underwrote new accounts and consumer loans with three peer officers. As a team, reviewed 25-50 new accounts and underwrote 50-100 loans per day. Used process maps and analyzed industry data to allow more customers to open accounts under the streamlined online account process. This minimized fraud risk and created a shorter wait time between application and account access.  Worked through the internet channel to create an instant customer approval process for credit products that significantly reduced underwriting time and maintained approval rates. Consistently monitored competing banks online product to ensure competitiveness in the market.  Instrumental in achieving a double-digit growth rate in several key categories after coaching employees in the Centralized Accounts and Loan Department on effective cross-selling.

 Managed day-to-day operations for a $12M asset branch. Reviewed daily bank reports, resolved customer service disputes, handled personnel related issues, and monitored cross-sell and teller balancing figures. Developed new customer relationships through sales prospecting, broker relationships, loan closings, existing customer relationships, and community outreach programs that increased core deposits, loan growth and bank profitability.  Increased deposits of a new Medical College customer from approximately $5M to $8M, the largest deposit relationship in the branch’s market and required more management than any other account relationship in the branch office. Analyzed and underwrote loan applications for consumer and affordable housing mortgages, construction projects, small commercial lines of credit, and small commercial real estate. Originated more than 100 loans and maintained a less than 2% charge-off rate. Created and utilized a new-accounts cross-sell tracking program that allowed both staff and supervisors to track individual and branch efficiency. This resulted in double-digit growth in several key categories over the first twelve months of implementation.  Through knowledge of FDIC coverage laws, saved several $ million in deposits from going to other financial institutions.

 Promoted from supervisor to building manger to coordinator. Oversaw operation of the building facilities to include shift training, customer service and staff management. Co-coordinated and executed the annual training/orientation of new and returning staff.