David E. Smith Email & Phone Number

Consistently managed ABL and AR portfolios through proactive communication, daily monitoring of BBCs, schedules, financials, and multiple analytics reviews. Ensured successful execution/onboarding of factoring and ABL products for assigned accounts. Held biweekly presentations of accounts’ stability to senior executives. Successfully identified and reacted to potential concerns by working in a joint effort with others on team. Always adhered to bank policy and maintained bank’s strategic goals.

Layton, Utah, United States

Consistently secure clients through initial live transfer leads in first conversation. This includes establishing relationships quickly, asking thorough fact finding questions, and initiating professional trust. Effectively assess client financial priorities and goals to match best mortgage product. Proactively network within client base to uncover up-sell opportunities and strengthen client relationships. Continually surpassed monthly sales goals & metrics which resulted in a promotion in September 2022 (1 of 2 in region of 500 bankers).

Salt Lake City Metropolitan Area

Responsible for increasing bank’s loan portfolio through direct sells in commercial equipment finance with companies based in all states in US & Canada. Monthly loan target was 2.5 million per month which was frequently surpassed. Process includes prospecting, relationship management, negotiating terms, application processing and successful turnover to credit department. Maintained longterm relationships with companies with varying sizes from owner-operator to national corporations.

Salt Lake City Metropolitan Area

Oversaw the comprehensive growth of 3 SLC area branches. Primary focus was the development of local business relationships. Responsible for the expansion of the insurance portfolio and business/consumer lending including mortgages. Actively trained and supervised team of 15 loan officers and tellers. Ensured proper policies & procedures were adhered to.

Greater Salt Lake City Area

Managed and built own book of business, with heavy focus on business clientele. Maintained and/or created comprehensive plans regarding minimizing taxes, insurance, executive benefits, employee benefits, retirement, etc. Aided business clients in networking with other professionals i.e., lawyers, CPAs, bankers. Strategized and advised individuals with personal retirement, including defensive planning through both insurance and investment products.

Cultivated and managed new and existing business client relationships by meeting needs and exceeding expectations. Leveraged in-depth lending and underwriting knowledge to assist the bank in meeting its goals. Promoted a full array of wealth management and private banking products. Achieved 246% of goal across five metrics in Q1 2015. Consistently exceeded 150% of goal each quarter since 2011. Ranked #1 Personal Banker II in the state of Utah Q1& Q3 of 2015.