Errol Howard Email & Phone Number

Greater Tampa Bay Area

Covering the Tampa/St. Petersburg & Clearwater markets for Suncoast Credit Union. With responsibility for business development, new customer growth and establishing relationships with C&I companies. Providing and/or expanding their banking needs with Suncoast Credit Union’s value add products and services.

Tampa, Florida, United States

Covering the Tampa/Fort Myers/Naples markets for Woodforest’s middle market corporate group. With responsibility for business development, new customer growth and establishing relationships with C&I companies. Providing and/or expanding their banking needs with Woodforest Bank value add products and services.

Naples, Florida, United States

Responsible for acquiring, developing, and growing new/existing profitable business relationships. Advised business owners on credit underwriting, cash management, proper debt structuring and financial planning in the Naples/Fort Myers markets for MIDFLORIDA Credit Union. Facilitating loans from inception of request to include, applications, underwriting, processing, documentation and closing.

Naples, Ft. Myers, Sarasota, Fl

Lead the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth in the marketplace.• Be an excellent judge of potential qualified clients/deals, at structuring deals to balance risk.• Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts.• Manage integrated sales and relationship programs… Show more Lead the formulation and implementation of long and short-term strategic plans and objectives to increase market share/penetration and maximize opportunities for growth in the marketplace.• Be an excellent judge of potential qualified clients/deals, at structuring deals to balance risk.• Maintain frequent interaction with centers of influence, diverse industry segments, community leaders, regulators, and senior business contacts.• Manage integrated sales and relationship programs for commercial clients that are in alignment with the overall business plan to achieve desired revenue, cross-sell, and service hurdles. • Provide strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, customers, and prospects. Partner with Retail banking and other internal organizations to ensure the optimal customer experience.• Through extensive community involvement, create the bank's position within the marketplace of being a community partner. Lead community efforts in the market to demonstrate the Seacoast commitment and presence.• Manage plans, budgets, marketing and financial controls to meet strategic plans and objectives.• Establish aggressive growth goals and execute tirelessly• Attract, develop and retain a talented and motivated team of bankers (in the $20-$500+ million revenue segment) enabling each to achieve their revenue growth objectives by deepening existing relationships in assigned portfolio of customers as well as acquiring new business. Maintain a strong employee candidate pipeline.• Ensure safe, sound and timely underwriting practices and overall leadership of Seacoast’s credit standards.• Advise team members in the structure, pricing and terms and conditions of new and existing credit facilities; assist team members in the identification of cross-sell opportunities.• Represent Seacoast in the "communities we serve" via active involvement in external activities. Show less

Business Banking Manager, Fort Myers/Naples, Florida 2013-Present

Manages a business banking relationship management team in assigned geographic location. Promotes the growth of the team's portfolio by implementing marketing and business plans, reviews the quality of the team's business, and ensures the $160MM loan $180MM deposit portfolio remains sound. Reviews credit limits of Relationship Managers and ensures all credit decisions are in compliance with all policies and standards. Exercises the usual authority of a manager in the hiring, training… Show more Manages a business banking relationship management team in assigned geographic location. Promotes the growth of the team's portfolio by implementing marketing and business plans, reviews the quality of the team's business, and ensures the $160MM loan $180MM deposit portfolio remains sound. Reviews credit limits of Relationship Managers and ensures all credit decisions are in compliance with all policies and standards. Exercises the usual authority of a manager in the hiring, training, motivating and developing team members. Directly manages Business Relationship Managers, Senior Business Relationship Managers and Principal Business Relationship Managers. Show less

Auburn/Opelika & Alexander City, Alabama

Responsible for selecting unique local market focus areas that present the best growth opportunities and developed the sales and service strategy for the market. Responsible for building a strong partnership with other Wachovia lines of business and specialty product areas. Meet assigned financial performance goals and objectives. Assumed leadership responsibility for meeting and exceeding all performance objectives related to sales, referrals, profitability, and expense management.… Show more Responsible for selecting unique local market focus areas that present the best growth opportunities and developed the sales and service strategy for the market. Responsible for building a strong partnership with other Wachovia lines of business and specialty product areas. Meet assigned financial performance goals and objectives. Assumed leadership responsibility for meeting and exceeding all performance objectives related to sales, referrals, profitability, and expense management. Developed and maintained a strong working knowledge of all relevant Wachovia products and services and approval and set-up processes. Coordinate with Credit Products to strategically assess the risk profile of relationships and help define risk management guidelines and relationship plans accordingly. Lead the company market presence and community involvement. Understand and promote CRA compliance, fair lending compliance, and sensitivity to the needs of the community. Proactively build strong and effective partnerships with the retail bank, private banking, underwriting, capital management and insurance to ensure a seamless approach to servicing clients. Chair Wachovia’s local community bank board. Lead, coach, and develop Community Bankers and Business Associates within the market. Show less

Atlanta, Georgia And Fort Myers, Florida

Manage and develop sales and service strategies for maintaining and further penetrating existing customer accounts. Selling of credit and none credit products and services to companies with annual sales between 3 and 25 million dollars. Execute the strategy with calls, visits, needs assessment and follow up meetings, to maintain, enhance and expand customer relationships. Assist customers/prospects in analyzing their situations and proposed Wachovia solutions. Facilitate the introduction of… Show more Manage and develop sales and service strategies for maintaining and further penetrating existing customer accounts. Selling of credit and none credit products and services to companies with annual sales between 3 and 25 million dollars. Execute the strategy with calls, visits, needs assessment and follow up meetings, to maintain, enhance and expand customer relationships. Assist customers/prospects in analyzing their situations and proposed Wachovia solutions. Facilitate the introduction of product support specialist and other centralized support groups. Respond promptly to customer/prospect issues, questions and concerns. Participate in community organization and activities. Show less

Atlanta, Georgia

Provided sales management and leadership for the customers and staff of the Five Points branch. Heavy emphasis on external business development and calling activities. Effectively implemented plans for loan and deposit growth as well as promoting investment product sales. Ensured employees were committed to quality customer service. Actively participated in all phases of personnel development and provided leadership by personal example. Ensured branch profitability and effective… Show more Provided sales management and leadership for the customers and staff of the Five Points branch. Heavy emphasis on external business development and calling activities. Effectively implemented plans for loan and deposit growth as well as promoting investment product sales. Ensured employees were committed to quality customer service. Actively participated in all phases of personnel development and provided leadership by personal example. Ensured branch profitability and effective operations. Actively participated in community organizations. Show less

Tampa, Florida

Managed the internal control functions of the branch to the standards of a satisfactory audit. Assured compliance in all major control risk areas, such as Currency Transaction Reporting accuracy, cash audits and new account opening procedures. Scheduled staff work hours to maximize branch efficiency and profitability.Managed all areas of internal control without exception, prevented losses and minimized teller over/shorts.Consistently exceeded sales and cross-sale… Show more Managed the internal control functions of the branch to the standards of a satisfactory audit. Assured compliance in all major control risk areas, such as Currency Transaction Reporting accuracy, cash audits and new account opening procedures. Scheduled staff work hours to maximize branch efficiency and profitability.Managed all areas of internal control without exception, prevented losses and minimized teller over/shorts.Consistently exceeded sales and cross-sale goals.Routinely called existing customer base to probe for additional needs and follow-up on existing services used.New business development.Profiling financial status of customers and making qualified referral to other Chase businesses. Show less

Holiday, Florida

Responsible for originating installment loans, developing the annual operating budget and maintaining daily operations of the branch facility. Attained a monthly production goal of closing $300,000 in installment loans. Researched and identified substandard loans and developed recommendations regarding their disposition. Ranked annually in the top 5% of credit insurance sales. Developed a business plan and marketing strategy focusing on increasing installment loan productivity.… Show more Responsible for originating installment loans, developing the annual operating budget and maintaining daily operations of the branch facility. Attained a monthly production goal of closing $300,000 in installment loans. Researched and identified substandard loans and developed recommendations regarding their disposition. Ranked annually in the top 5% of credit insurance sales. Developed a business plan and marketing strategy focusing on increasing installment loan productivity. Responsible for the overall management of a corporate loan portfolio of $10 million. Accountable for financial analysis of commercial loan request, assisting senior management with special projects, tracking commercial loan activity and preparing management reports. Show less

Holiday, Florida

Responsible for performing the management functions of all departments on a three-month rotational basis. Additionally, accountable for focusing on special assets including the liquidation of commercial foreclosures, the management of foreclosed properties and the preparation/presentation of reports to senior management.

Holiday, Florida

Responsible for analyzing commercial loan request and administering the loan participation process. Additionally, accountable for assisting Account Officers with loan committee presentations.