Director, Cfo, Coo
Atlanta Metropolitan Area
• Completely reshaped the Bank’s strategic plan, upgraded the quality of all staff and manager positions in Operations, Financial Control, Loan Servicing, Credit Administration and Deposit Generation areas. • Remodeled the main branch business center; built new branches in Sandy Springs and Decatur. • Led the ALCO and funds management committees. Purchased and managed the Bank’s investment portfolio and interest sensitivity modeling.• Managed five successful stock offerings totaling $22 million, formed a holding company, and created a successful ESOP. Arranged both trust preferred and credit line facilities for the holding company• Managed the Bank from a low regulatory rating (after 3 years of losses) to a much higher rating in 2003. In two years helped the Bank achieve cumulative profitability.• Recruited a corporate finance lending group with over $42 million in outstanding loans. This group provided over $1.5 million in net income per year for the Bank. • Cornerstone had only $1 million in DDA and NOW deposits when I joined. Today it has over $53 million due primarily to my introduction of Check 21 cash management products and hiring an experienced cash management specialist.