Linda Heath work email
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Commercial bank lender and underwriter for 40+ years. Along the way I learned how gut-wrenching it is to harness other people's talent to my vision while owning a design-build construction firm and a retail franchise. Banks have financial intel that is not readily shared with business owners. My purpose in founding Financial Holographix to solve this information challenge. I love helping Owners build successful enterprises that provide quality jobs for Americans and bright futures their owners. My favorite clients have a fierce competitive streak and build award-winning companies. We are launching a new platform in fall 2024 and would love to find potential beta-testers. Specialties: Business Analysis; Getting business loans approved; Discovery - Asking unique questions, Framing problems creatively; Managing projects on-time and on-budget; Conflict management; Seeing around corners.
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Founder And CeoFinholoUnited States -
PresidentFinancial Holographix Inc. Jun 2007 - PresentCentral Virginia And OnlineServe our middle-market business Owners to build properous, resilient companies. Implement accounting best practices and custom scorecards with our Financial Holograms(R) and Business Holograms (R). Linking your business activities to your business and financial goals, using a exclusive process - FIO-markers (R).
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Director, Credit RiskStrategic Risk Associates Oct 2010 - Jun 2024Richmond, Virginia AreaServe the credit risk management needs of community banks around Virginia: Develop and implement commercial loan underwriting standards. Develop and implement commercial credit review process. Manage a commercial/small business customer portfolio, including loan renewals and new business loans. Develop portfolio stress testing tools. Support lenders in completing new loan request packages. Develop customer cash flow analysis training. Deliver interactive credit training to commercial… Show more Serve the credit risk management needs of community banks around Virginia: Develop and implement commercial loan underwriting standards. Develop and implement commercial credit review process. Manage a commercial/small business customer portfolio, including loan renewals and new business loans. Develop portfolio stress testing tools. Support lenders in completing new loan request packages. Develop customer cash flow analysis training. Deliver interactive credit training to commercial lenders, portfolio managers, credit analysts. Develop and deliver "Five C's of Credit" training for community bank Directors. Show less
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Risk AdvisorWachovia Bank May 2006 - May 2007Richmond, Virginia AreaReviewed and recommended new and renewal loan requests for large commercial borrowers in the Baltimore MD market and business banking borrowers in central Virginia. Supported commercial and business banking lenders by analyzing businesses and their guarantors. Identified areas where the existing banking industry was not proactively advising its best borrowers.
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Avp, Sba Underwriter, Group Project DirectorSuntrust Bank Apr 2004 - May 2006Richmond, Virginia AreaUnderwrote business and SBA loans (business acquisition, Express, 7a) for MD, VA, TN, NC, FL footprint. Highly qualified at assessing business plans and bankability. Developed new business development campaigns. Re-engineered the Mid-Atlantic Group's SunTrust at Work initiative (Marketing Dept.). Developed the strategic business plan. Implemented a team process that crossed multiple silos in 5 regions and resulted in a robust deposit-gathering sales channel. My methods were adapted in other… Show more Underwrote business and SBA loans (business acquisition, Express, 7a) for MD, VA, TN, NC, FL footprint. Highly qualified at assessing business plans and bankability. Developed new business development campaigns. Re-engineered the Mid-Atlantic Group's SunTrust at Work initiative (Marketing Dept.). Developed the strategic business plan. Implemented a team process that crossed multiple silos in 5 regions and resulted in a robust deposit-gathering sales channel. My methods were adapted in other SunTrust markets. Show less
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Co-OwnerSigns By Tomorrow - Richmond Va Nov 1998 - Sep 2002Richmond, Virginia AreaQuick turn-around signs and banners for business and consumers. Earned fast-growing "Under 1 Year" store award. I learned the value of a proven business model.
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President, Swam CertifiedTech-Site Inc. Jun 1990 - Dec 1998Richmond, Virginia AreaHighly technical core competencies outside my education and experience level. Partnered with a electrical engineer and provided the business management, marketing and finance backbone to the business. We designed/built computer rooms and critical power systems in VA, MD, NC. Projects ranged from $250,000 - $5,000,000. Customers included Prime contractors, government agencies and data-center or facility managers. I learned the value of project management best practices for getting a diverse… Show more Highly technical core competencies outside my education and experience level. Partnered with a electrical engineer and provided the business management, marketing and finance backbone to the business. We designed/built computer rooms and critical power systems in VA, MD, NC. Projects ranged from $250,000 - $5,000,000. Customers included Prime contractors, government agencies and data-center or facility managers. I learned the value of project management best practices for getting a diverse team of people, with different self-interests, to work together and give our customers what they contracted. Learned how to minimizing conflict and fund business operations from internally generated cash flow. Expert at bringing in projects on-time and on-budget. Show less
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Vice PresidentCentury Technologies Inc. Jan 1988 - Jun 1990Richmond, Virginia AreaWrote engineering proposals and developed marketing programs for a specialized design/build firm. Nature of industry was competitive bidding. Developed proposal strategy that resulted in multiple negotiated contracts.
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Consultant/TrainerSelf-Employed Consultant Jan 1987 - Jan 1988Richmond, Virginia AreaDeveloped and delivered sales training to retail bankers in community banks in MD, VA and WV with referrals from former colleagues at UVB/Crestar. Transformed branch employees' preconceived ideas about "selling" and overcame their resistance.
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Avp Training, Organization Development & TrainingUvb/Crestar Sep 1986 - Jan 1987Richmond, Virginia AreaDeveloped and implemented the first statewide retail bank training program (Omega). Focused on cross-selling bank products to existing customers. Implemented first statewide "Train the Trainer" program. Overcame employee and regional management resistance to change. Delivered OD&T programs on customer service, management styles and organization change.
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Avp Marketing - 2Nd Mortgage DivisionUnited Virginia Mortgage Corporation Jun 1983 - Sep 1986Richmond, Virginia AreaExpanded sales of second mortgage products by compiling performance drivers for referral growth from among 9 branch managers in 6 states. Converted data to best practices and implemented custom training programs to increase revenue. Developed successful marketing collateral for overcoming objections when new HELOC product was initiated in the industry.
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Bank Channel SalesNorth American Communications Group Jan 1983 - Jul 1983Richmond, Virginia AreaSold data base management and direct mail program to bank marketing executives in the mid-Atlantic and South.
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Regional LenderChemical Business Credit Corp./ Chemical Bank Affiliate Apr 1981 - Jan 1983Richmond, Virginia AreaAcquired new borrowers in MD, VA, NC for the credit corporation. Products include business acquisition, equipment financing and asset-based lending for normal working capital. Borrowers ranged from $5 - 50 million in revenue.
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Commercial & National Division LendingUnited Virginia Bank Feb 1979 - Apr 1981Richmond, Virginia AreaManaged commercial loan portfolios for middle market companies, primarily manufacturing. Managed national accounts portfolio for Fortune 1000 companies headquartered around the U.S. Able to package conventional and innovative requests for loan approval.
Linda Heath Skills
Linda Heath Education Details
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Magna Cum Laude
Frequently Asked Questions about Linda Heath
What company does Linda Heath work for?
Linda Heath works for Finholo
What is Linda Heath's role at the current company?
Linda Heath's current role is Founder and CEO.
What is Linda Heath's email address?
Linda Heath's email address is lh****@****ank.com
What is Linda Heath's direct phone number?
Linda Heath's direct phone number is +180433*****
What schools did Linda Heath attend?
Linda Heath attended University Of Richmond.
What are some of Linda Heath's interests?
Linda Heath has interest in Elijah House Academy, Wellness And Holistic Health/nutrition.
What skills is Linda Heath known for?
Linda Heath has skills like Financial Analysis, Strategy, Strategic Planning, Small Business, Finance, Management, Leadership, Business Development, Banking, Business Planning, Team Building, Start Ups.
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Linda Heath
Structured Settlement Consultant At Arcadia Settlements Group, Inc. (Formerly Known As Eps)Oakland, Ca3nationwide.com, epssettlements.com, teamarcadia.com2 +176353XXXXX
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