Debbie Kleinberg Email & Phone Number

Oviedo, Fl, Us

Orlando, Florida, United States

Credit Administrator for the East Central Florida Region with loan authority up to $15MM in total credit exposure. Credit approval authority includes all C&I, CRE, SWAP, treasury management exposure, and large consumer loans. Responsible for all credit-related functions of a $1.5B+ portfolio including structuring, approving, and clearing conditions for new loans, reviewing and renewing existing loans, and approving treasury management exposure. Actively call on both prospects and existing clients to help structure deals with lenders to achieve both balanced risk/reward for the bank while providing solutions for clients and prospects. Participate in regional functions with lenders to further promote the brand of the bank including but not limited to various conferences, luncheons, and events. Active participant in company task force initiatives and committees to improve areas such as policy, systems, process, software selection and conversion.

Central Florida

Trained and led a team of 9 underwriters/portfolio managers. Participated in multiple successful mergers by interviewing new team members, integrating acquired portfolios to current bank policy, and assisting with software conversion. Bank received an outstanding CRA audit as a direct result of my assistance in training the CRA team how to correctly report borrower revenues per financial statements.

Downtown Orlando, Fl

Supported a team of loan officers in the credit analysis and underwriting of commercial loan packages by reviewing and analyzing the creditworthiness of all commercial loan originations. Prepared credit memorandums for presentation and approval; evaluated financial statements, historical trends, projections, management performance, industry, cash flow, capital structure and collateral analysis.Member of the bank acquisition due diligence team. Reviewed and risk rated a target bank's portfolio of credits and evaluated their underwriting performance.Developed and built out underwriting role at CenterState Bank as it originated upon acquisition of First Southern Bank.

Incorporated in June 1989, Back to Nature Wildlife Refuge (BTN) is the largest non-profit 501(c) (3) public wildlife rehabilitation facility in the Central Florida Region, serving 2,500-3,000 of Central FL’s Wildlife per year.Responsible for ensuring that the Board of Directors and its members are aware of and fulfill their governance responsibilities; comply with applicable laws and Bylaws; conduct Board business effectively and efficiently; and are accountable for their performance. In order to fulfill these responsibilities, and subject to the organization's Bylaws, I preside over meetings, propose policies and practices, sit on various committees, monitor the performance of Directors and Officers, submit various reports to the Board, to funders, and to other "stakeholders"; propose the creation of committees; appoint members to such committees; and perform other duties as the need arises and/or as defined in the Bylaws. Specific Responsibilities: - Ensure that an agenda is planned for Board meetings. - Preside over Board meetings. - Serve as an ex-officio member of Board committees as specified in the Bylaws. In this capacity, my role is to serve as a voting member of the committee and to assist in identifying and resolving problems with the Committee Chairperson. - Am the primary liaison between the Board and the Executive Director of Operations. - Ensure that the organization maintains positive and productive relationships with media, funders, donors, and other organizations. In this capacity, my duties may include timely and appropriate reporting of Board decisions and actions to members and/or funders and/or donors. - Ensure that structures and procedures are in place for effective recruitment, training, and evaluation of Board members. - Ensure that structures and procedures are in place or being developed for securing the resources required by the organization.

Downtown Orlando, Fl

Manage and train 8 employees in 2 retail branches with focus on business development and credit.Build Orlando market and increase bank's presence and marketshare.

Orlando, Fl

Manage and advise client portfolio by making sure banking and other financial needs are met. Perform annual reviews on financial status of client companies as well as develop growth/maintenance plans with the owners and determine how the bank can best serve them. Analyze cash management needs, including operating cycle and cash conversion cycle to determine best fit products. Maintain client satisfaction while keeping profitability of the portfolio. Procure new client relationships for the bank. Target clients are between $5MM and $25MM in revenues with a loan need between $100,000 to $20MM.Partner with retail bank branches and act as business resource to branch personnel. Lead training of branch personnel on sales and service to business clients.

Top quintile in performance for 2008 and Chairman's Team in 2009.July 2008 Monthly Major Player Award for Most New Relationships; January 2009 Top SunTrust Cup, Most New $ in Other Deposits and Top Treasury Sales; March 2009 Top SunTrust Cup; and April 2009 Top SunTrust Cup and Most New $ in Other Deposits.Was recognized on the front page of Salesforce in June 2007 for successful use of the Differentiation Rap. This was used to coach other commercial associates across the footprint.

Coached, motivated, and supported a team of 13 client managers in making their loan goals by credit training, chasing right deals vs. wrong deals, creativity in loan structure, and turning a credit sale into multiple other opportunities.In 2006, was 2nd place for Award of Excellence based on managing Central Florida Business Banking team to having highest percentage of client managers making goal and being in 2nd place in overall business loan production.Produced and presented fundamental and viability analyses reports for companies with annual revenues between $2MM - $20MM. Analyzed company background, financial strength, industry, customers and competition. Interviewed company officers and visited sites. Was able to offer products and solutions that were the best fit for the client, winning the deal. Headed up prospecting project for Central Florida Business Banking group which generated new clients and centers of influence and resulted in multiple credit, deposit, and treasury management opportunities.Received national recognition for teamwork and developmental assistance for national credit associate training program and for best practices in decreasing loan submission defects. Managed loan submission process in Central Florida which resulted in a 10% increase in efficiency by lowering submission defect from 15% to 10%.

Managed sales and associates of top performing store nationwide.Led associates through change from independently owned franchise to corporate model.Developed curriculum and administered classes as trainer for 4 stores.

Fsb Certificate Of Completion, Banking, Academic Honors

The Florida School of Banking is a three-year program designed to provide bank personnel at the supervisory and officer level.

Mba

Ba Communications

University Honors

Education record

Education record