Developed financial and demographic analysis of current and potential municipal investments.Created new State Treasurer mandated reporting to public funds customers and StateTreasurer.Evaluate public funds relationships for interest savings.Initiated investment portfolio reporting for the Community Reinvestment Act.Prepared bids for public funds Request for Proposals.Member of Asset-Liability CommitteeQuarterly reporting of Regulation F (Financial Counterparty), Key Risk Indicators, and Chapter 11Debtor in Possession accounts to the United States Department of Justice.Prepare daily Public Funds / Repurchase Agreement significant balance change and collateralpledging analysis, along with daily Repurchase Agreement confirmations.Handled bank borrowings of Fed Funds PurchasedPerform monthly competitive interest rate analysis, public funds balance reporting, evaluationof BOLI income, pledging and safekeeping reconciliation, un-advanced commitments, monthly security ratings changes, book value changes of insured securities, and reconciliation of investment General Ledger accounts to the portfolio accounting statements.Prepare weekly reporting of top ten Public Funds and Repurchase Agreement customers along with Certificate of Deposit interest rate exceptions.Quote public funds Certificate of Deposit interest rates.Calculate and prepare daily amortization and accretion transfers along with preparation ofincome allocation for financial accounting.Administrator of bank Political Action Committee.Provided all necessary support to meet all audit and exam requirements for department.

BancorpSouth BankBranch Manager/Collections Officer October 2004-April 2007Responsible for overall operations and profitability of two of the bank’s most active branches in the Jackson, MS Metro area.Managed a loan portfolio in excess of $5,000,000.Directly supervised staff of six to ten employees.Developed network of referral sources to grow business and consumer loan production.Decreased pre-existing 10% past due loan portfolio.Public Finance Officer January 2004-October 2004Created new department dedicated to active solicitation of municipal and state agencydepository and loan relationships.Worked with Marketing Customer Information File associate to develop accurate reporting ofclient profiles.Initiated first, thorough, written legal and accounting analysis of municipal debt for employer.

Public Funds Product Manager, October 2001-December 2003Managed interest rate margin for Public Funds Depository Portfolio, leading to one incident of annualized savings in 2001 of approximately $700,000Provided profitability reporting on a monthly basis.Collected, researched and responded to requests for proposals (RFP’s) from public entities.Formulated procedures to ensure regulatory compliance and appropriate system coding of public fund accounts.Provided quantitative analysis to Senior Management to ensure appropriate personnel and software capabilities.Developed strong business relationships with state and municipal officials. Commercial Relationship Manager, August 2000-October 2001Accountable for building and managing commercial loan portfolio, including solicitation of business, current knowledge of economic conditions, available financial products, and financial accounting principles.Negotiated price, structure and terms of financial products, consulted clients based on analysis of financial statements and operations.Prepared and presented proposals to Senior Management and clients, utilizing strong communication skills.Researched, developed, and implemented a revised Risk Rating System for evaluating overall credit strength of current and potential customers.Developed budget monitoring database for use by lending regions throughout entire bank. Commercial Credit Analyst, February 1999-August 2000Performed ratio and trend analysis, peer group comparisons, and written credit analysis.Compiled quarterly industry profiles for review by Senior Management.Developed multi-faceted database for tracking performance of lending personnel throughoutentire bank.Developed automated Regulation 365 (Real Estate Lending Standards) reporting model.Management Development Participant, June 1998-February 1999Participated in extensive training program with a broad overview of all aspects of banking industry.