Denise Gray Email & Phone Number

Texas, United States

Texas, United States

Frost is the banking, investments and insurance subsidiary of Cullen/Frost Bankers, Inc. (NYSE: CFR), a financial holding company. One of the 60 largest U.S. banks by asset size, Frost provides a full range of banking, investments and insurance services to businesses and individuals in the Austin, Corpus Christi, Dallas, Fort Worth, Houston, Permian Basin, Rio Grande Valley and San Antonio regions. Founded in 1868, Frost has helped Texans with their financial needs during three centuries with competitive products and services ranging from checking and loan products to treasury management services and leasing products, from employee benefits and risk management to trust and estate planning, managed investments and brokerage services. For more information, visit www.frostbank.com.The opinions expressed by the profile creator may not reflect those of Cullen/Frost Bankers. Any views/strategies described may not be suitable for all investors, nor should it be relied upon as investment advice, guidance or a recommendation to purchase, hold or sell any investment or strategy. Experience, skills or posts are not indications of future results. Investment and insurance products are not FDIC insured, are not bank guaranteed, and may losevalue. Brokerage services offered through Frost Brokerage Services, Inc., Member FINRA/SIPC, and investment advisory services offered through Frost Investment Services, LLC, a registered investment adviser. Both companies are subsidiaries of Frost Bank. Additionally, insurance products are offered through Frost Insurance. Deposit and loan products are offered through Frost Bank, Member FDIC.

Texas, United States

Wells Fargo BankRegional Sr. Business Relationship ManagerAdvise and direct my team and individual portfolio clients across 17 states. Hybrid branch/ Virtual environment, focused on relationship building and revenue growth through customer goals and needs analysis. Serving as trusted advisor to implement the best suited bank products and services. Committed to increase customer satisfaction and retention. Offers Treasury Management options that streamline client business operations. Proficient in Business Real Estate lending (BREF) and Equipment Finance. Exceed in quarterly and annual revenue goals through portfolio development. Currently managing $250M in deposits and loan holdings. Growing my ability in AR ASL accounts receivable lending. Proactively identify additional needs for Merchant Card, Business Lines and SBA CRE/ Acquisition lending opportunities. Proficient in understanding business financials, structure, and cash flow analysis. Maintains bank risk/ compliance standards and customer identification protocols. Works closely with WFA Investment Advisors and partners across company footprint in legacy planning and growing our overall customer relationship.

H.D. Vest

WFA/WFI Wells Fargo Investments- HD VEST- Advantax Wealth Management SupportSupport CPA advisor team of over 6000 in developing client relationships that complement investments held by Wells Fargo. Specialize in investment and business lending products to support growth, additional revenue, and overall success of business clients and advisors. Cross sell Equipment Lending, Commercial Real Estate Financing, and SBA. Advocate for WFI and WFA clients- with regards to liability management and legacy planning. Partner with Business Relationship Managers to obtain and analyze business financials. Home Mortgage liaison for HD Vest clients and advisors. Mortgage processor and loan closing implementation specialist between clients and WFHM. Proficient in Secured Prime Line and Home Equity lending. Over 25 daily outbound calls to prospect and instruct advisors and clients on credit products and services. Average lending file load 25+ quarterly while managing $200MM loan portfolio.

Plano, Texas, United States

Bank of America: AVP Asst. Branch Manager 5/95-5/00Assist in management of overall branch, 30 associates. Lead and motivate staff in service, sales, and policy/ procedure knowledge. Cross sale new/ existing customers. Maintain performance, coaching, and evaluations of tellers, personal bankers, and compliance risk team. Maximize sales, customer satisfaction, and account retention. Project Manager for Learning and Development initiatives

Flower Mound

Point Bank: Business Development Officer, Regional Leadership, Loan UnderwriterWells Fargo interim 02/2016- 09/2021 Original 5/00-9/2001Responsible for community development, event planning, and branch operations. Leader in overall branch performance. Plan and execute events that bring the business community together, connecting people and resources for economic growth. Utilize bank products and services to promote and grow customers personal and business portfolio. Manage the day-to-day bank operations: sales, team building, coaching/ training, and community growth. Major event planner, leading weekly and monthly business groups that share ideas and bring people together. Elite Chamber member and board participant. Mentor to other community leaders and business owners via events, connections, and economic awareness. Analyze loan packages for compliance and integrity of company guidelines. Loan portfolio supports Commercial build out, Interim Construction, Mortgage and Consumer lending. Highly competent under pressure.

Lewisville, Texas, United States

Bank of America: AVP Asst. Branch Manager 5/95-5/00Assist in management of overall branch, 30 associates. Lead and motivate staff in service, sales, and policy/ procedure knowledge. Cross sale new/ existing customers. Maintain performance, coaching, and evaluations of tellers, personal bankers, and compliance risk team. Maximize sales, customer satisfaction, and account retention. Project Manager for Learning and Development initiatives

Undergrad 01/2013

Richland College 1995-1998: Soccer Scholarship