Lance Wharton Email & Phone Number

Texarkana, 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.

Texarkana, Texas, United States

• Managed 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• Reviewed outdated information in loans to identify potential risk and updated relevant data resulting in reduced risk and increase ease in evaluation of portfolio.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.

Texarkana, 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.

Texarkana, Texas Area

• Developed 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.
• 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.

Texarkana, 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)

Texarkana, Texas Area

• Proposed 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.
• Achieved 130% of sales goal for the 1st Quarter of employment.
• Attained sales certification for multiple I.P. telephony systems.

West Memphis, AR

• Supervised 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.
• 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.

Germantown, 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.

Master'S Degree, Business Administration, 4.0

Activities and Societies: Delta Mu Delta, Texas A & M University Alumni Association

Bachelors, Marketing Managment

Activities and Societies: Sigma Phi Epsion, Order of Omega, Phi Kappa Phi, Phi Eta Sigma, Beta Gamma Sigma, Student Government, New.

Education record