Treasury refers to a company's funds. Treasury management refers to making the most of those funds. The right mix of treasury management services can help simplify and accelerate the day to day financial operations of a business. COLLECTIONS Treasury Management helps simplify and speeds collections by providing an innovative array of convenient ways for customers to pay, offering collection tools that are faster, more convenient, and more reliable than paper invoices. DISBURSEMENTSBy automating payments and reconciliation, treasury management can save time and labor, and virtually eliminates human error from the disbursement stage. You retain complete control while funds are distributed in an efficient, timely manner. INFORMATION REPORTINGIn an information age, real-time data should be readily accessible to you at all times. Day or night, you should be able to log on to review receivables, payments, balances, and more. The applications that provide this information should be, at a glance, easy to understand, navigate, and use. And, since questions rarely arise when it's convenient, help should be available 24/7. CAPITAL MANAGEMENTAfter funds are collected but before they are disbursed, it only makes sense to put them to work earning a return. Earning a return may refer to placing funds in an interest-bearing account, investing them, or using them to pay down short term credit line debt to reduce interest expense.EMPLOYEE MANAGEMENT Employee benefits fall squarely within the banking realm. A good treasury management suite provides options for 401(k) and other retirement and tax-deferred plans, as well as health plans and Worker's Compensation.RISK MANAGEMENT It's important to safeguard all accounts, but the business arena calls for extra precautions and internal controls.

Executive Banking is a relationship management service for clients who meet an income and net worth requirement. Clients are assigned a relationship manager who handles all of their banking needs in an effort to save them time and to maximize their money.To qualify for Executive Banking, clients must have an income of $75,000+ and a net worth of $300,000+. The Executive Banking program is free to clients and offers advantages on rates and fees for many bank products and services.Executive Banking Platinum and/or Platinum Interest Checking Accounts The Executive Platinum Checking Account and Executive Platinum Interest Checking Account are perfect for any busy professional. You'll get over two dozen time and money-saving services. Executive Banking Platinum Visa® The Executive Banking Visa Platinum Card is yours with no annual fee. Enjoy a competitive interest rate, emergency card and cash replacement, travel accident insurance and more (subject to credit approval). Personal Lending Services Your Relationship Manager can tailor and personally expedite Zions credit services to your needs, including revolving lines of credit, real estate loans, installment loans and more.Investment, Insurance & Trust Services Receive personalized services provided by Zions Bank's team of experts, including investment professionals, trust and estate officers and insurance specialists. All initial consultations are free of charge.

The SBA 504 Loan program is a powerful economic development loan program that offers small businesses another avenue for business financing, while promoting business growth, and job creation. As of February 15, 2012, the $50 Billion in 504 loans has created over 2 million jobs. This program is a proven success and win-win-win for the small business, the community and participating lenders.The 504 Loan Program provides approved small businesses with long-term, fixed-rate financing used to acquire fixed assets for expansion or modernization. 504 loans are made available through Certified Development Companies (CDCs), SBA's community based partners for providing 504 Loans.A Certified Development Company (CDC) is a nonprofit corporation that promotes economic development within its community through 504 Loans. CDCs are certified and regulated by the SBA, and work with SBA and participating lenders (typically banks) to provide financing to small businesses, which in turn, accomplishes the goal of community economic development.

• Integrate all management, marketing, and client services efforts, including: commercial mortgage/equipment financing, coordinating SBA programs, factoring, lines of credit, Letters of Credit, warehousing, floor plans, leasing & private lending.• Successfully placed loans for businesses of varied sizes, and individuals with diverse scenarios; ranging from $150,000 LOC to $10 million factoring credit facility.• Utilized knowledge of cash flow, capital formation, marketing analysis, and lending procedures, marketing skills to successfully address client needs and resolve issues.• Originated, processed, and coordinated all closing activities related to commercial financing; established working relationships with attorneys, appraisers, borrowers, and title companies.COMMERCIAL FINANCING

• Integrate all management, marketing, and client services efforts, including: commercial & residential mortgages, home equity & personal lines of credit & private lending.• Successfully placed loans for businesses of varied sizes, and individuals with diverse scenarios; ranging from $5,000 LOC to $1.2 million multifamily unit purchase.• Utilized knowledge of cash flow, capital formation, marketing analysis, and lending procedures, marketing skills to successfully address client needs and resolve issues.• Originated, processed, and coordinated all closing activities related to commercial & residential financing; established working relationships with attorneys, appraisers, borrowers, and title companies.

• CitiFinancial is a consumer finance company which provides consumer and real estate loans to its clients and customers.• CitiFinancial is part of Citigroup Inc., which has the world's largest financial services network.• Responsible for the loan production, portfolio delinquency, human resources, collections and overall branch performance and branch profitability of $15 MM in receivables.• Received the honor of being named to the Chairman’s Forum, CitiFinancial’s highest honor for branch managers which culminated in an all- expense paid corporate retreat.