Lance Wharton Email and Phone Number
Professional customer relationship and portfolio manager with over 20 years experience. Extensive track record of developing new clients and enhancing existing relationships while ensuring excellent customer satisfaction and upholding ethical standards. Strong work ethic and continued personal and career development resulting in consistent positive performance reviews, and professional advancement.Growing up and even now as an adult, I’ve always had a keen interest in understanding how things work, solving puzzles, and using logic to find a solution. Being able to figure out how to repair, build, or improve something has always been a satisfying accomplishment. When I have free time from work or family activities I can be found in my shop, under the hood of our vehicle, or building and repairing about anything found around the house. I believe that the desire to learn, attention to detail, and a strong work ethic has translated well into banking. I am motivated by the opportunity to help people achieve their financial goals and am committed to help guiding them along the way. I’ve always been a detail oriented numbers guy, but for me the relationship building and truly helping a customer achieve their goals by learning what is important to them is the most rewarding part of the job.I am committed to supporting others and am energized by working behind the scenes with a practical and detail-oriented approach. My co-workers and managers value me for my reliability and accountability.Management Skills: • Organizing people to meet specific goals• Patiently working through a problem step-by-step• Devising efficient procedures to help others accomplish day-to-day tasks• Applying common sense and experience to problems• Following through on commitments to others
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Commercial Loan OfficerRed River Credit Union (Rrcu) Jan 2024 - PresentTexarkana, Texas, United States-Provides comprehensive commercial lending services including SBA7(a) and 504 loans, commercial real estate, investment property, commercial vehicles, equipment, lines of credit, and credit cards through TX, AR, OK, LA, and MS.-Provides optional extended services including commercial ACH control for employee payroll, remote deposit, merchant processing, invoice processing and collection services, to develop and enhance commercial relationships.-Customer relationship management, growth, and development to with focus on customer satisfaction and retention. -
Portfolio ManagerWells Fargo Jan 2023 - Sep 2023Texarkana, Texas, United StatesManaged a portfolio of loans valued at approximately $100 million and new commercial loan requests valued at $1 million-$10 million. Promoted from Credit Analyst to Portfolio Manager.• Consistent top producer with 150% of job completion targets per month.• Reviewed outdated information in loans to identify potential risk and updated relevant data resulting in reduced risk and increase ease in evaluation of portfolio.• Increased speed of loan evaluation and booking of loans resulting in improved revenue collection by approximately 20-25%. • Collaborated with relationship managers and commercial credit officers in the evaluation of risk that resulted no misses with the Risk and Review team. -
Credit Analyst 3Wells Fargo Nov 2018 - Dec 2022Texarkana, Texas, United States-Partnered with relationship managers and credit underwriters to structure multi-million dollar transactions.-Analyzed companies’ financial, operational, and management strengths and weaknesses to identify potential capital, balance sheet, and reputation risks.-Conducted in-depth industry research to identify key drivers, challenges, and trends that are most relevant.-Assembled a variety of financial schedules including projections in support of recommended credit actions and decisioning.-Prepared comprehensive company annual financial reviews as well as underwriting memorandums focusing on a company’s leverage, key risk factors, sources of repayment, cash flow, and ability to service debt.-Monitored and evaluate customer financial and operational performance and how each may impact overall risk management and assessment.Review loan agreements and other legal documents related to credit exposures.-Engaged in creative thinking and idea generation to prepare discussion materials that focus on issues impacting the company and prepare relationship managers for customer or prospect dialogue.-Assessed client needs to effectively identify other Wells Fargo products and services that could help clients achieve their goals. -
Business Relationship ManagerWells Fargo Feb 2014 - Nov 2018Texarkana, Texas AreaDeveloped community and commercial relationships. Booked loans valued from $100K to $5 million.• Recognized for consistent top-tier client satisfaction by providing exceptional customer service and creating a binder for retail bankers that provided step by step procedures for customer service and relationship management.• Formulated and assembled a product and partner referral system resulting in the branch partners exceeding 110% of referral goals while increasing business banking revenue by 35%.• Developed and implemented, together with the legal department, a formalized commercial account opening procedure and new account deposits in excess of $50MM resulting in an increase of 150% deposit growth.• Collaborated with product specific specialists for customer solutions outside of traditional business banking groups, resulting in $14.5 million in total partner production• Responded to and completed a RFP for a local school district’s lending and deposit relationship resulting in a win with $1 million+ line of credit, and $180 million dollar deposit growth. -
Business Associate IiWells Fargo Nov 2012 - Feb 2014 -
Business Banking SpecialistWells Fargo Sep 2009 - Nov 2012Texarkana, Texas, United States• Recognized as one of the top 10 Business Banking Specialists for the State of Texas• Wells Fargo Business Champion Certified, (2012), Wells Fargo Treasury Management Certified, (2010) -
Sales ExecutiveOptus Inc Sep 2008 - Sep 2009Texarkana, Texas AreaProposed complete VoIP and networking solutions based on customer needs analysis, budget considerations, and site-surveys. Set-up and conducted on-site product demonstrations. Protected assigned customer base through outside sales, frequent contact, understanding the customer, updating account profiles annually, and serving the customer’s needs. Acquired new customers by way of referrals, business networking, lead groups, phone prospecting, and following-up on leads.• Achieved 130% of sales goal for the 1st Quarter of employment.• Attained sales certification for multiple I.P. telephony systems. -
Franchise District ManagerMid South Tax Service Llc Dba Jackson Hewitt Tax Service Nov 2002 - Jun 2008West Memphis, ArSupervised operations of 8 Jackson Hewitt tax offices. Solicited and developed new business relationships by cold calling, networking, and referrals. Developed sales and marketing plans for each territory within the district. Performed local market research and media selection to maximize advertising budget. Counseled customers to insure accuracy of tax preparation and their satisfaction with bank products. Implemented company products and promotions and ensured compliance with advertising and IRS guidelines. Researched local competition relative to sales programs and pricing. Monitored daily employee productivity and sales levels utilizing various management tools. Complied with bank procedures by accurately disclosing loan information and following security guidelines. Processed employee ADP payroll. Served as IT System administrator. Duties included; installing, supporting, and trouble-shooting pc and networking equipment both remotely and in-person. Performed Marketing Manager duties including. Evaluated competitor data and implemented marketing strategies accordingly through various media channels.• Achieved 58% increase in net revenue.• Profiled for best practices by headquarters for exceptional territory performance in 2007.• Increased customer base by 887 or 36%• Developed customer base and employee stability for previously unoccupied territories.
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Financial Sales RepresentativeRegions Financial Corporation Aug 2003 - Dec 2004Germantown, Tn• Contributed to the Germantown branch’s position as the highest overall producing sales team in UnionPlanters Bank’s mid-south region by exceeding individual revenue targets through customer growth.• Selected, based on product knowledge and sales results, to train new hires for other branches in region.
Lance Wharton Education Details
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Marketing Managment -
Arkansas High School
Frequently Asked Questions about Lance Wharton
What company does Lance Wharton work for?
Lance Wharton works for Red River Credit Union (Rrcu)
What is Lance Wharton's role at the current company?
Lance Wharton's current role is Commercial Lending and Relationship Management Specialist.
What schools did Lance Wharton attend?
Lance Wharton attended Texas A&m University-Texarkana, Arkansas State University, Arkansas High School.
Who are Lance Wharton's colleagues?
Lance Wharton's colleagues are Anya Patterson, Holly O’briant, Leticia Munoz, Bobby Buck, Anthony Montecillo Jordan, Oscar Garcia, Brandon B..
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