A masterful career in Financial Services with distinction in Banking and a secure reputation as a change agent, Keith has a dual skillset informed by shared knowledge, responsibility, and experience that few at his level can combine in a lifetime.Growing along with his kids, Keith adeptly adopted critical business skills like organization, operating implementation, and even negotiation, to raise his family. Just as equally, raising kids gave him a front-row seat to the business of youth and a new set of skills; modeling respectful and successful behavior; engagement in youth group dynamics; balanced decision-making: how to say “no” and when to let go; along with early adoption of his kids’ social media savvy bringing it into the workplace.This exchange of expertise defines a difference in his career as an adept turnaround specialist who rescues and readies banks as an industrious and resolute CEO engaged in makeovers for the twenty-first century. Leadership development, best banking practices, systems upgrades, and technology adaptation for mature operations, are all in his bandwidth to resurrect, implement and rally for success. Modernizing change like Teller Automation, Cloud Technology, Media Engagement, and Online Banking along with Community Connection and Diversity in the Organization are just a few of the independent changes he’s brought to banking in his career; not an easy feat in an industry resistant to a shifting landscape.To add to his formula for success is Keith’s surprising underpinning, a little-known passion of his; the study of the history of the Arts and Architecture; electives selected during college that informs every part of him. This knowledge adds to his range in significant ways. He credits the Arts as rounding out his personality as it contributes to his attentive teams when he relates this knowledge to the business of banking on any given day.Keith’s personal and professional portfolio is timeless—Financial Acumen, Banking, and a resolutely independent pursuit of the Arts and Sciences round out his broad intellectual interests.SIGNATURE STRENGTHS: Strategic Thinking ● M&A Leadership and Execution ● Change Leadership ● Drive Results ● Key Relationship Cultivation ● Organizational Mobilization ● Cultural Agility ● Curate High Performing Teams ● Turn Around Management
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Director, President, Chief Executive Officer And DirectorHeritage Bank Of Commerce Aug 2019 - Mar 2021San Jose, California, Us● Member of the BOD, worked in partnership with Strategic Initiatives Committee of the Board to develop forward vision of the institution, forming the basis for strategic and operational goals. ● Led the institution ensuring both external and internal-focused initiatives to provide revenue growth, sound cost control, asset/liability management, compliance and operational efficiencies. Ensured a strong Enterprise Risk, Compliance and Governance Framework was embedded across the institution. ● Member of the Directors Loan Committee and Chair of the Executive Loan Committee.● Successfully operationalized the processing of PPP loans with a 70% remote workforce distributing in excess of $450 million in PPP Loans.● Led the design and successful implementation of the Current Expected Credit Loss Methodology (CECL).● Successfully transitioned to paperless processing, becoming a digital company facilitating the ability to pivot to a 70% remote staff during the COViD-19 pandemic facilitating agility in workflow processing and continued efficiencies in operations. -
President And Chief Operating OfficerHeritage Bank Of Commerce Mar 2017 - Aug 2019San Jose, California, Us● Increased profitability per client by implementing full spectrum of commercial lending products, layering in Asset Based Lending as well as Factoring. ● Innovated new products and services or emerging in new markets by implemented deposit capabilitys with non-profit organizations. ● Increased capabilities and market share through successful acquisitions. Successfully integrated workflow processes and culture. http://heritagecommercecorp.com/
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Executive Vice President And Chief Operating OfficerHeritage Bank Of Commerce Feb 2014 - Mar 2017San Jose, California, Us
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Executive Vice PresidentPacific Capital Bancorp, Santa Barbara, Ca. Sep 2010 - Feb 2013●Successfully executed a turnaround strategy after $500M recapitalization by Ford Financial Fund in August 2010. ● Developed, implement and managed strict Commercial and Consumer Lending Portfolio Management and Business developement processes and procedures after the Bank entered in a “Consent Order” with The Office of the Controller of the Currency, largely comprised of Articles related to the Commercial and Consumer Lending Divisions. ● Managed the divisions back to a “Safe and Sound Manner” substantially contributing to the OCC lifting the “Consent Order” enforcement action allowing the Bank to resume lending. Oversee 120 direct reports.● Returned Commercial and Consumer Lending operations to profitability within 18 months through expanded market channels, increased production, costs reductions, and cross-selling.● Developed cross-selling initiatives for commercial lending that, for the first time, sourced Core Deposits, Trust Assets, and Merchant Card fee revenue accounts. Efforts propelled annual revenue by millions-of-dollars. ● Expanded the Residential Lending retail sales force by 40% and developed Correspondent / Broker and Portfolio Acquisition distribution channels. Efforts increased production by $440MM from $180MM to $620MM within 2 years.● Reorganized processing operations of Residential Lending resulting in lowering of the non-variable total cost of production from 97bp per unit to 72bp per unit, or 26%● Served as a voting member of the Bank's Executive, ALCO, Credit, Technology and Operations and Special Asset Management committees. ● Executive Member and Sponsor of Steering Committee revamping the Bank's core systems including overseeing the planning and implementation of the FIS core banking system, Oracle G/L and PeopleSoft HR systems.
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Keith A. WiltonIndependent Consulting Assignments Jan 2008 - Sep 2010● Assisted private equity firms in exercising due diligence on potential investments within financial services firms. ● Reviewed targeted firm’s marketing strategy / opportunity, brand strength, management / personnel quality, and compensation, risk management practices in addition to potential cost savings, organizational and operations process structure, and information technology capabilities. Sample engagements included:✔️ Engaged by a San Francisco based private equity firm to conduct due diligence in FDIC auction for a failed bank.✔️ Assisted a Los Angeles based private equity firm in the review process of a healthcare financing firm investment. ✔️ Advised a NYC based private equity firm and a Canadian pension fund in the evaluation of the efficacy of a portfolio company’s strategic “turnaround” plan.
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President, Specialty Finance GroupGreater Bay Bank Oct 2002 - Nov 2007UsBusiness Units: health care practice financing, equipment leasing, asset-based lending/factoring, residential mortgage lending, international trade finance, Small Business Administration (SBA) lending● Drove the development and implementation of business plan focused on dramatically improving the financial and operational performance of six nationally operated units including healthcare practice financing, equipment leasing, asset based lending/factoring, residential mortgage lending, international trade finance, and Small Business Administration lending. ● Turned around the performance of several failing units by serving as the lead agent for change. Orchestrated the efforts of 300 professionals in an organization with $2B in assets, an annual Loan sales budget of $900M, Gross Interest Revenue of $175M and pretax net profit of $60M. ✔️ Took a national business group of 6 companies from a pre-tax loss of $20M annually to a pre-tax profit of $60M in only 4 years while growing assets from $1B to $2B. Reorganized the market and operating process alignment and recruited a new senior business management team.✔️ Delivered a compounded 15% annual increase in sales. ✔️ Improved sales efficiency 20% by increasing the sales-closure-to-review ratio from 50% to 60% of applications. Designed and implemented incentive-based compensation plans.✔️ Cut delinquency and bad debt expense 33%. Implemented statistical credit and delinquency scoring models.✔️ Consistently received the highest rating possible in all FRB and OCC Regulatory, Corporate Governance and Compliance Audits. Developed and implemented all SOX required processes, measurement, reporting.
Keith Wilton Education Details
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Le Cordon Bleu Paris And The University At Reims, FranceWine And Management -
University Of San Francisco School Of ManagementInternet Marketing
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Stanford University Graduate School Of BusinessGeneral Management Strategy
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University Of British ColumbiaUrban Land Economics
Frequently Asked Questions about Keith Wilton
What is Keith Wilton's role at the current company?
Keith Wilton's current role is Business Strategist | Growth Accelerator | Operational Excellence.
What schools did Keith Wilton attend?
Keith Wilton attended Le Cordon Bleu Paris And The University At Reims, France, University Of San Francisco School Of Management, Stanford University Graduate School Of Business, University Of British Columbia.
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