Michael Amon

Michael Amon Email and Phone Number

Managing Director and SVP and SBA Line of Business Head @ F.N.B. Corporation
Davidson, NC, US
Michael Amon's Location
Davidson, North Carolina, United States, United States
Michael Amon's Contact Details
About Michael Amon

An innovative and collaborative senior line of business executive with a proven record of successfully converting average and low performing business units into high performers. I have broad based experience with both large and small banks positioning organizations for growth, achieving double digit new volume increases, delivering millions of dollars of operational cost savings, and increasing returns. I focus on building cohesive working relationships that speed up execution end-to-end, generate higher pull through rates, and increase volume output.My success centers in my ability to shift the historic cultural thinking of an organization, and align it with the strategic drivers a line of business needs to be high performing. I have built business units from scratch, orchestrated comprehensive improvement initiatives, and successfully merged organizations. My growth-oriented strategies consistently deliver greater efficiency, are customer-centric, and scalable for long-term success.I am a hands-on, collaborative leader, who can affect positive change.Specialties:SBA Lending, including leading line of business and SBA chief credit officer roleBusiness Banking, including senior credit officer/chief credit officer roleCredit Executive LeadershipCredit Risk Management ProfessionalSales/Credit relationship improvementStrategic planning and designLeadership developmentProcess improvement and workflow managementChange managementTechnology improvement and implementationDeveloping risk rating models and toolsDeveloping and implementing scorecard underwriting toolsPolicy developmentProject managementAcquisition integrationDodd-Frank Stress Testing and modeling

Michael Amon's Current Company Details
F.N.B. Corporation

F.N.B. Corporation

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Managing Director and SVP and SBA Line of Business Head
Davidson, NC, US
Website:
fnbcorporation.com
Employees:
7437
Michael Amon Work Experience Details
  • F.N.B. Corporation
    Managing Director And Svp And Sba Line Of Business Head
    F.N.B. Corporation
    Davidson, Nc, Us
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  • F.N.B. Corporation
    Managing Director / Svp / Sba Line Of Business Head
    F.N.B. Corporation Jan 2019 - Present
    Charlotte, North Carolina Area
    Lead all aspects of SBA (Small Business Administration) line of business. Serve as executive responsible for P&L, including new loan origination, operations, and portfolio management of bank’s SBA 7(a), 504, and USDA lending business.Hired to turn around a declining business unit and return it to top tier performance. After 3 years, the pipeline has grown 170% to the highest level in 5 years; the closing pipeline has grown 432%; NII and fee income is up 64%; Revenue/FTE is up 74%; and new loan production rose 82% and 63% in each of the last 2 years. Upgraded BDO talent and repositioned to high growth markets. Aligned pricing, incentive plan, and sell/hold strategies to current economic conditions. Improved referral relationship with regional presidents. Added preferred lender relationships with several franchise concepts. Expanded annual non-premium fee income by 24x.Scope under management: $700M in SBA loans; loans up to $5.0M to companies up to $20.0M in revenue; 12 SBA BDOs (8 in-market plus 4 out-of-footprint), and operations staff of 28, including underwriting, closing, construction loan management, loan sales, and servicing/portfolio management; supporting 175 commercial bankers in 7 states. SBA market area currently eastern half of the U.S.
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  • Regions Bank
    Svp/Sba Group Executive
    Regions Bank Jan 2017 - Sep 2018
    Birmingham, Alabama Area
    Led all aspects of SBA (Small Business Administration) line of business. Served as executive responsible for P&L, including new loan origination, credit, and operations of bank’s SBA 7(a) and 504 lending business.$816M in SBA loans; loans up to $5.0M to companies up to $20.0M in revenue, 23 SBA BDOs, 275 bankers and 1600 branches supported in 16 states by credit staff of 34. 17% increase in new loan volume to $260 million, and 14% portfolio growth, year-over-year, in 2017.To increase the percentage of SBA BDOs achieving production goals, I studied the activity habits of our top performers and developed a set of best practice metrics. These metrics were then utilized by our sales managers to increase pipeline levels and deal quality among the average and lower performers, that resulted in 20% increase in BDOs at or above goal.To improve consistency in service levels, I switched credit and operations from separate functional teams to customer-centric, fully integrated regional teams, which resulted in improved end-to-end processing times and increased accountability.
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  • Regions Bank
    Svp/Credit Executive For Sba Group
    Regions Bank Aug 2015 - Jan 2017
    Birmingham, Alabama
    Served as Credit Executive for all credit functions for SBA line of business, including underwriting, closing, servicing, and risk management of bank’s SBA 7(a) and 504 lending portfolios.To improve risk management, I re-wrote SBA underwriting guidelines, strengthened the underwriting analysis/credit write-up, built a new risk rating tool for SBA loans using RMA industry data, and switched the servicing team from a task-oriented approach to a portfolio ownership strategy. To improve efficiency, I orchestrated a comprehensive process review initiative with key members of the sales management team, finishing with end-to-end training for the SBA BDOs and credit staff. I also developed and implemented an employee productivity tracking and reporting discipline, to establish individual accountability and awareness, and to drive better results across all teams.Other initiatives include:• Implemented SBA alternative for conventional small dollar high side overrides• Set business requirements to switch to nCino application processing system
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  • Huntington National Bank
    Svp / Senior Credit Officer / Core Banking Credit Head
    Huntington National Bank 2007 - 2015
    Cleveland/Akron, Ohio Area
    Worked for FirstMerit Bank, which was acquired by Huntington National Bank in 2016.Responsible for all credit functions for Core Banking line of business - underwriting, portfolio monitoring, criticized assets, credit policy, procedure development, portfolio risk analysis, management reporting, loan documentation, credit training, and leadership development. $1.3B portfolio, commercial loans up to $5.0M, to companies up to $20.0M in revenue. Supported 75 bankers and 410 branches in 4 states, managing two loan centers and total credit staff of 42.Phase I included the transformation and build out of the credit group to be able to support relationships up to $5.0M (had been $500k), introducing score-based underwriting for smaller branch originated loans, and adding a robust portfolio management discipline, including introduction of a highly efficient behavioral monitoring tool. This build out phase included recruitment and development of additional underwriter and management talent, and significant improvement in the banker/credit relationship by implementing a regional team structure aligned with the sales management structure, introducing pre-underwriting opportunity discussions, adding underwriter productivity metrics, and holding the regional teams accountable for service level agreements.Phase II was the acquisition/integration of Citizens Republic Bank into the FirstMerit operating model. Realized immediate lift in booked new loan volume and speed of execution with training and agreement on credit risk appetite, the introduction of opportunity discussions, and encouraging a culture of “finding the deal within the deal”. I delivered annual cost savings of $2.8M (35%) including a reduction of 23 positions and elimination of redundant technology systems.
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  • National City / Pnc
    Svp / Product And P&L Manager - Small Business Lending
    National City / Pnc Sep 2005 - Jun 2007
    Cleveland, Ohio
    Responsible for growth and profitability of $5.0B small business lending portfolio. Coordinated efforts with both the branch and banker origination channels with the credit group to improve product offerings, procedures, credit policies, and pricing. Captured incremental $500M in new loan volume, and $5.0M in annual net income.
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  • Charter One Bank / Rbs Citizens
    Svp / Senior Credit Officer / Line Of Business Executive - Business Lending
    Charter One Bank / Rbs Citizens Oct 2000 - Sep 2005
    Cleveland, Ohio
    Responsible for P&L, and all credit, closing due diligence, and loan documentation functions for Business Banking line of business - underwriting, portfolio monitoring, criticized assets, credit policy, procedure development, pricing, management reporting, and credit training. $1.0B portfolio, commercial loans up to $3.5M, to companies up to $20.0M in revenue. Supported 50+ bankers and 500+ branches in 4 states with staff of 75.This was a build from scratch initiative, including development of business strategy, credit policies, operating procedures, recruiting, and training. Grew loan center staff from 0 to 65 in 24 months, and grew loan balances from 0 to $1.0B in 3.5 years.
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  • Heller Financial (Acquired By Ge Capital)
    Svp / Senior Credit Officer - Small Business Finance
    Heller Financial (Acquired By Ge Capital) May 1998 - Sep 2000
    Chicago, Il
    Responsible for all credit functions for national line of business – underwriting, credit approval, credit policy, appraisal and environmental review, construction loan management, portfolio management, collections, and work-out.$1.8B portfolio, commercial loans up to $4.0M.Portfolio was primarily comprised of SBA 7(a) loans, SBA 504 loans, real estate loans, and construction loans, originated in 12 different high growth markets nationally.This was a cost reduction and process improvement initiative that included centralizing all non-sales functions from 4 district field offices to Chicago. Improved response times by 50%, reduced loan default rate by 30%, and reduced credit staff by 1/3. Achieved #1 national ranking for SBA 7(a) loan volume.
  • Bank One / Chase
    Vp / Credit Manager
    Bank One / Chase Jun 1984 - May 1998
    Columbus, Ohio
    Responsible for credit approval, closing due diligence, and loan documentation for the Business Banking line of business for Ohio, West Virginia, and Kentucky. This role began as a build from scratch initiative to underwrite branch originated business loans for the Columbus, Ohio market, expanded to cover all loans under $2.0M in all markets in the state of Ohio, and then expanded again to include all markets in the 3 state region. Developed all underwriting templates, tracking systems, credit policies, and operating procedures. Worked on project with VISA and Fair-Isaac to build and introduce business scorecard models using pooled bank data in 1992.Prior to 1992, held various roles of increasing responsibility.
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Michael Amon Skills

Credit Commercial Lending Banking Risk Management Financial Analysis Credit Analysis Consumer Lending Portfolio Management Strategic Planning Leadership Development Change Management Sba Lending Process Improvement Acquisition Integration Financial Modeling Data Analysis Risk Rating Model Development Behavioral Scoring Dodd Frank Act Stress Testing

Michael Amon Education Details

Frequently Asked Questions about Michael Amon

What company does Michael Amon work for?

Michael Amon works for F.n.b. Corporation

What is Michael Amon's role at the current company?

Michael Amon's current role is Managing Director and SVP and SBA Line of Business Head.

What is Michael Amon's email address?

Michael Amon's email address is mi****@****att.net

What is Michael Amon's direct phone number?

Michael Amon's direct phone number is +120532*****

What schools did Michael Amon attend?

Michael Amon attended Aba Stonier Graduate School Of Banking, The Ohio State University.

What skills is Michael Amon known for?

Michael Amon has skills like Credit, Commercial Lending, Banking, Risk Management, Financial Analysis, Credit Analysis, Consumer Lending, Portfolio Management, Strategic Planning, Leadership Development, Change Management, Sba Lending.

Who are Michael Amon's colleagues?

Michael Amon's colleagues are Froyland Sargep, Johnny Bobo, Saenger Christine, Easy Glam, Jetteg Luppe, Bobby Cummings, Mathilde Finck.

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