John Perdue Email & Phone Number

United States

Vice President/Commercial LendingFirst United Bank and Trust, Madisonville, KY | May 2017 – March 2024Lead the management, maintenance, and growth of a robust $25 million commercial loan portfolio.Direct the entire delinquency process, overseeing foreclosures, OREO properties, and repossessions. Conduct weekly meetings with lenders, update reports for the board of directors, and ensure timely communication of month-end delinquency figures to all stakeholders.Serve as a voting member of the senior loan committee, presenting loans to the committee, risk committee, and board of directors as required.Drive new business development and cross-selling initiatives for all bank products.Manage comprehensive underwriting processes, including real estate analysis, cash flow models, and profitability assessments.Oversee various agricultural loans, including crop and animal financing.Proactively expand the commercial loan portfolio through consistent acquisition of new business opportunities.Demonstrate flexibility to travel to client locations within the bank's footprint, accommodating client schedules beyond standard banking hours.Provide mentorship and guidance to junior bankers and lenders, enhancing their customer service capabilities.Thrive in high-pressure environments, efficiently handling tasks such as SBA PPP loans and forgiveness processes.Offer expert guidance to customers navigating SBA loan procedures across multiple loan categories.

Kentucky, United States

Held diverse senior management roles with U.S. Bank, including financial center manager, district manager, community president, and senior manager, overseeing 10 branches and 60 employees.Managed a $50,000 community involvement budget as Community President, ensuring effective allocation for local initiatives.Successfully mitigated risks while authorizing loans for consumer lending and small businesses.Conducted in-depth analysis and management of consumer lending and small business spreads to optimize return on assets.Developed comprehensive training programs for 10 offices and 60 employees, fostering professional development and operational excellence.Utilized customer insights to drive targeted sales efforts and enhance service delivery.Formulated annual branch business plans to maximize profitability and operational efficiency.Implemented performance appraisal systems for all branch staff, facilitating ongoing performance improvement.Conducted proactive outreach efforts to increase commercial loan volume and deposits.Evaluated applicants' financial status, creditworthiness, and property evaluations to assess loan feasibility.Provided expert financial advice on mortgage, educational, and personal loans, collaborating with senior management to ensure goal attainment and regulatory compliance.Served as President of the South Central Kentucky Development Network Group, fostering collaboration and economic development initiatives.

United States

Directed and administered a high-performing financial center, overseeing core deposits exceeding $50 million and achieving a net profit of over $1.2 million.Spearheaded recruitment efforts and provided comprehensive training for all new branch personnel.Ensured seamless delivery of banking services, credit decisions, and loan services for both consumer and commercial clients, including agricultural lending.Conducted proactive outreach activities to bolster commercial loan volume and increase commercial deposits.Drove growth by expanding deposits, assets, and fee-based services while fostering the development and retention of customer relationships.Cultivated a customer-centric environment, leading a team of employees to deliver exceptional service with professionalism and courtesy.Served as the primary speaker for bank-sponsored educational events, both internally and externally.Oversaw operational functions of the financial center, including compliance, reporting, and ensuring adherence to quality standards.Developed and executed annual business plans to optimize profitability and operational efficiency.Managed the largest branch in the region, achieving high levels of customer satisfaction.Provided support to senior credit officers in processing complex loan applications and adhered to federal and state compliance guidelines for retail mortgage lending.Conducted thorough financial analysis to assess loan feasibility and determine appropriate loan terms.Educated customers on various loan products and credit options, offering expert financial advice.Played a key role in the loan origination process, coordinating various components including credit reports, appraisals, and insurance documentation.