Clifford C Sumpter, Mba Email and Phone Number

•Oversee daily cash flow, ensuring optimal liquidity to meet operational needs.•Manage short-term and long-term cash forecasting processes.•Ensure that cash balances are efficiently allocated, and excess funds are invested appropriately.•Maintain cash visibility and manage working capital effectively.•Establish and maintain relationships with commercial banks and financial institutions.•Negotiate banking services, fees, and terms to optimize banking operations and reduce costs.•Manage the company’s bank accounts, including opening, closing, and maintaining account structures.•Coordinate and manage banking activities including payments, collections, and reconciliations.•Oversee the management of the company’s debt portfolio (e.g., loans, credit lines, bonds).•Develop strategies for managing interest rate exposure and capital structure optimization.•Coordinate with external financing partners to raise capital when necessary.•Ensure compliance with covenants and financial reporting requirements related to debt.•Monitor and manage financial risks, including interest rate, currency, and commodity risks.•Develop and execute hedging strategies to mitigate financial risks.•Assess financial risks related to market conditions and provide recommendations for mitigation.•Establish and maintain efficient treasury processes and internal controls.•Ensure compliance with treasury policies, regulatory requirements, and industry best practices.•Oversee cash reconciliation, treasury accounting, and reporting.•Oversee the company’s investment strategy, ensuring it aligns with risk tolerance and liquidity needs.•Monitor portfolio performance and optimize investment returns while managing risk.•Work closely with the CFO and other senior executives to develop financial plans, including cash flow projections and financing needs.•Provide regular reports on treasury activities, cash flow, and liquidity positions to senior management.

•Demonstrated innovation and capacity to excel by repairing branches' challenged and/or non-profitable areas through careful analysis of Branch Profit & Loss reports. •Managed a team of ten employees to be successful in their individual growth and company business processes. •Created processes, policy, and a plan for concerning areas needed for improvement. Take on special projects to assist with the creation of new ventures. •Managed corporate expenses and approved credit and expense reports.•Worked side-by-side with investment business partners to grow branch investment balances and track cash investment activities.•Assisted business clients with cash management, treasury services, and cash flow to optimize business performance. •Drive strong branch and district results through sales reporting, strategies, salesforce, and portfolio management systems. •Identified opportunities and implemented treasury-related business process improvements, and daily treasury activities to run the day-to-day business. •Developed and supported treasury policies, procedures, and controls for business clients. •Supported business customers in maintaining and updating signatories on commercial banking accounts. •Identified opportunities to support business cash flow including documentation of loan applications, and financial statements. •Evaluated and recommended banking products, services, and platforms as appropriate to new and existing business customers.•Assisted business administrators and controllers with online banking platforms, and other treasury platforms. ACH, payroll, receivables, and wires.•Effectively worked with and supported internal business partners throughout the organization to ensure department efficiency and problem resolution. •Ensured we were timely and ready for internal and external auditors, running text and drills to ensure we were on schedule.

Created durable success by meeting with small business owners, company presidents, controllers, CFOs, and key decision-makers to discuss innovative ways to expand companies' finances, cash flow, and overhead. Established stability through leadership of sales trainings for branch and region sales employees. Increased corporate visibility and stature by engaging in sales conference calls with regional management to discuss new opportunities and share productive insights. Generated new business and grew existing business relationships through close collaboration with business partners across bank footprint. WOW Award winner for top performance.

Demonstrated insightful leadership and enhanced clarity of mission through creation and implementation of regional operational reporting and processes. Maximized efficiency through achievement of operational audits scores above 95%; exceeded passing score each quarter. Achieved operational goals for yearly audit through partnership with Area Operations Director. Drove Change Management through innovative reports and presentations for organizational initiatives; Resolved escalated client complaints / issues promptly and effectively.

Verified capacity to flourish within vital leadership role. Demonstrated leadership and communication skills by creating and nurturing partner relationships through attendance at monthly Eco Meetings with business partners. Motivated region in absence of regional manager through facilitation of daily morning sales conference calls. Exceeded personal deposit goal vs. target by 120%. Achieved Human Sigma Six Level for optimal customer services score and employee engagement. Consistently achieved First Quartile P&L ranking.