Kimberly Fly Email & Phone Number

Spartanburg, Sc, Us

Greenville, South Carolina, United States

Greenville, South Carolina, United States

Spartanburg, South Carolina, United States

Spartanburg, South Carolina

•Managed, serviced and enhanced assigned commercial and business banking relationships transitioned from FSB, maintaining 75% of total First South Bank (FSB) transitioned loans and deposits. Generated referrals from existing clients, prospects and business networks, meeting sales goals as assigned. Grew loan base while also meeting other ancillary goals including loan fees, treasury, merchant, leasing and wealth referrals. Provided guidance navigating clients through SBA PPP process. FSB Area Executive:•Responsible for driving performance and development of a four person Commercial Team as well as two deposit branches, including branch staffing of nine additional branch employees.•Provided leadership and oversight for new commercial deal flow leading to 15% loan growth year over year, while managing retention of existing $46 Million portfolio. Expanded into investor CRE.•Recovered $200,000 of uncollected fees and accrued expenses originated prior to hire date, in addition to resolution of $10 Million in problem credits, also clearing all exceptions and past dues, demonstrating commitment to credit quality.•Integrated at key strategic points in execution of each transaction, proactively identifying and managing risks. Maintained active involvement leading a variety of transactions in all stages, from initial client pitch to structuring and negotiating deal terms to transaction closing, ensuring quality of client experience by creating strong partnerships with internal subject matter experts to bring full capabilities of Bank to client.•Managed Residential Mortgage Origination prior to launch of Consumer Mortgage department. Oversaw structuring and management of merchant program, including incentive program for employees. Worked with CFO to form ad campaign for deposits prior to merger negotiations generating $30 Million in new deposits in 90 days. Merger transition team-four person team acting as only liaisons to FCB prior to actual FSB merger in 2019.

Spartanburg, Sc

• Accountable for all commercial bank functions and growth within Spartanburg and Cherokee Counties.• Developed, managed and serviced $100 Million Regional Commercial loan portfolio, concentrating on operating businesses with successes from owner occupied real estate, asset based lending and equipment needs. • Annual production of $12 Million including Asset Based Lines and Small Business Administration Loans Closed referrals. Team met or exceeded all goals. • Consistent team performer with excellent credit quality and below bank and industry average of exceptions and past dues.• Strengthened existing client relationships by introducing full range of loan, deposit and cross-sale of non-credit bank services. • Doubled C&I business development calls month-over-month, resulting in 25% increase in team Non-CRE annual loan production and a 75% increase in team 90-day C&I pipeline, enhancing commercial product profit margin contribution and stabilizing overall commercial portfolio risk. • Developed, implemented and led bank-wide product, process, associate impact and marketing initiatives as a Member of Bank Strategic Planning Leadership Team.• Supervised commercial team of 2 and built internal line of business network to expand brand market presence.• Active in civic affairs, local and professional organizations to represent bank and leverage external networks.

Spartanburg, Sc

Provided financial solutions to small and mid-market level clients including capital formation, cash management and risk management; Bring value through thoroughly understanding business goals, processes and priorities with an objective of relationship management.• Managed $75 Million Middle Market C&I Portfolio; average loan size of $2 Million/$20 Million average annual production• Consistent performer exceeding production and growth goals, even in tight credit markets; Multiple year Sterling Performance Club• Successful transition to SSO role managing risk for the Spartanburg Commercial Team’s $300 Million Middle Market Portfolio, exceeding credit quality and limited sales goals • Analyzed complex financial models and financial impact of proposed transactions, including M&A, bond issues and restructuring for public and private companies• Referred qualified leads to other bank partners and lines of business as appropriate, remaining actively involved, increasing closed referral sales volume and earning top referral recognition individually and for team• Active community participation to expand network

Spartanburg, Sc, Columbia, Sc And Charlotte, Nc

Worked as a credit analyst straight out of college (Commercial MAP), then as a commercial lender and final position as Market President. As Market President:•Key market leader for all lines of business, including 8 branches and responsible for operations of the commercial bank in Spartanburg and Western NC•Allocated local charitable funds as the liaison to Bank of America FoundationAs Middle Market Client Manager:•Key Financial Advisor and Client Team Leader providing innovative financial solutions and strategies for $168 Million Middle Market portfolio of diverse public and private companies in Upstate SC\Western NC •Delivered products and services efficiently and profitably to meet needs of clients and prospects while mitigating and monitoring risk to the Bank•Coordinated planning, execution and follow-up both internally with client team and externally with client or prospect, communicating effectively with CFO or CEO as well as many levels of end-users.•Analyzed financial statements and cash flow to interpret financial condition of a middle market clients and understand impact of industry trends to determine repayment ability, loan structure and pricing options.•Cross-sold other Bank products and alternative capital structures, i.e., Treasury Management, International, Leasing, and Capital Markets.•Proven production and sales performer on a quarterly and annual basis; $20 Million average annual production; Multiple year President’s Club.•Leadership Excellence in Neighborhood Development (LEND) Award Recipient, given to individuals with significant community leadership activities, in particular working with low income housing. As Credit Analyst: •Underwrote commercial credit requests for senior lenders in SC ($4MM-$100MM companies)•Completed comprehensive sales and product training program (MAP) and trained new associates•Prepared credit department for closure and consolidation with Central Support Unit

Clemson, Sc

Intern to Max Lennon in the Strategic Planning office responsible for strategic planning and quality management initiatives of the University•Assisted in strategic planning and quality management initiatives of the University leading to university streamlining from nine colleges down to five colleges•Planned and executed seminars/workshops on strategic planning and TQM•Facilitator of FOCUS group discussions

Anderson, Sc

Participated in manufacturing management functions during plant modernization process by analyzing production problems and providing recommendations for solution.• Participated in manufacturing management functions during plant modernization process•Analyzed production problems and reported recommendations to management•Developed quality data reports for use in performance evaluations•Designed and implemented programs to improve communication/feedback/follow-up between departments

Spartanburg, Sc

•Designed and prepared store displays•Organized and directed promotional activities•Trained new sales associates •Generated 30% of store sales volume and top sales/hour weekly by building loyal clientele•Top Sales Associate in Southeast Region for July 1992

Bs, Management And Accounting

Activities and Societies: Delta Sigma Pi International Business Fraternity Beta Gamma Sigma Business Honor Society Golden Key National.

Education record