Senior market-focused banking executive with more than 20 years’ experience in growing consumer, residential and commercial loan business. Successful in establishing profitable lending programs based on emerging technologies and market trends. Accomplishments include helping financial institutions expand into new levels through identifying potential profitability; market and program planning and implementation; setting protocol, goals and missions; cash flow analysis; loan workout and recovery; and shouldering full P&L responsibility.Experienced in creating new business opportunities, exploiting new market niches, establishing strategic business relationships, and overcoming barriers and challenges to evolve organizations into next levels of growth. Respected culture/team builder and catalyst with excellent interpersonal skills. Committed to excellence and quality in customer service.