Michael Korff Email & Phone Number

Corpus Christi, Texas Area

Develop and grow long lasting banking relationships by providing first class service to businesses by understanding and providing solutions for commercial clients specific financial needs.• Determine financial needs of existing and prospective clients through client discussions and effective review of business client operations and financial analysis.• Underwrite, prepare and present complex credit opportunities to a committee of credit approvers in mutually beneficial structure and… Show more Develop and grow long lasting banking relationships by providing first class service to businesses by understanding and providing solutions for commercial clients specific financial needs.• Determine financial needs of existing and prospective clients through client discussions and effective review of business client operations and financial analysis.• Underwrite, prepare and present complex credit opportunities to a committee of credit approvers in mutually beneficial structure and terms.• Monitor existing credit portfolio to ensure conformity to loan terms and detect early signs of credit deterioration in order to limit credit losses for both bank and customer.• Establish a network of business professionals with the opportunity of referring qualified leads for review.• Assist other loan officers in properly analyzing and structuring potential credit opportunities.• Properly delegate acceptable responsibilities and ensure that supervised employees receive appropriate development opportunities and timely performance reviews. Show less

Corpus Christi, Texas Area

Acquire, manage and grow profitable business relationships with complex mid-sized business customers that have gross annual revenues of $5MM to $30MM. Ensure the overall success and growth of a portfolio by deepening existing relationships and effectively prospecting for new clients. Proactively partner with existing and prospective clients in order to fully understand their business, goals, strategies and challenges in order to effectively meet their needs. Work closely with Credit Managers… Show more Acquire, manage and grow profitable business relationships with complex mid-sized business customers that have gross annual revenues of $5MM to $30MM. Ensure the overall success and growth of a portfolio by deepening existing relationships and effectively prospecting for new clients. Proactively partner with existing and prospective clients in order to fully understand their business, goals, strategies and challenges in order to effectively meet their needs. Work closely with Credit Managers and Analysts to effectively analyze credit, cashflow, collateral, and projections in order to underwrite and manage new and existing credit relationships. Responsible for pricing and structure in order to grow a portfolio of loans, deposits and treasury. Effectively uncover opportunities and advise business customers through the process of accessing the many divisions and lines of business offered by Wells Fargo.• Recognized as a 2013 Star Performer for the Southwest Region of Wells Fargo.•. Recognized for Credit Champs within Wells Fargo's Greater Texas Region in 2011, 2012, 2013, 2014, 2016 & 2017. Show less

Corpus Christi, Texas

Acquire, manage and grow profitable Business relationships with an extensive percentage of moderately complex and mid-sized business customers that have gross annual revenues of $2MM to $30MM. Ensures the overall success & growth of an assigned portfolio by deepening existing relationships and effectively prospecting for new clients. Proactively partner with existing and prospective clients in order to fully understand their business, goals, strategies and challenges. Perform effective… Show more Acquire, manage and grow profitable Business relationships with an extensive percentage of moderately complex and mid-sized business customers that have gross annual revenues of $2MM to $30MM. Ensures the overall success & growth of an assigned portfolio by deepening existing relationships and effectively prospecting for new clients. Proactively partner with existing and prospective clients in order to fully understand their business, goals, strategies and challenges. Perform effective financial analysis and underwriting in the areas of credit, cash flow and collateral. Responsible for actively growing a portfolio of loans, deposits, treasury, and acting as a gateway for business customers to access the many divisions and lines of business offered by Wells Fargo.• Manage all aspects of Business clients relationship with Wells Fargo. • Determine the best possible solutions to help business clients overcome challenges that they face.• Underwrite and manage new and existing credit relationships ranging from $500M to $30MM in credit exposure.•Advise and consult business customers of services offered and best practices to assist them in achieving success.• Competitively negotiate pricing to win business while structuring terms appropriately to mitigate associated risk. Show less

Responsible for actively managing and growing a profitable portfolio of business relationships including lending, deposits, treasury, and acting as a gateway for business customers to access the many divisions and lines of business offered by Wells Fargo.• Manage all aspects of Business clients relationship with Wells Fargo. • Determine the best possible solutions to help business clients overcome challenges that they face.• Underwrite and manage new and existing credit… Show more Responsible for actively managing and growing a profitable portfolio of business relationships including lending, deposits, treasury, and acting as a gateway for business customers to access the many divisions and lines of business offered by Wells Fargo.• Manage all aspects of Business clients relationship with Wells Fargo. • Determine the best possible solutions to help business clients overcome challenges that they face.• Underwrite and manage new and existing credit relationships ranging from $250M to $20MM in exposure.•Advise and consult business customers of services offered and best practices to assist them in achieving success.• Competitively negotiate pricing to win business while structuring terms appropriately to mitigate associated risk. Show less

Prospect new business relationships and actively pursue developing new business to the bank.• Generate new commercial deposits and loan business.• Develop valuable commercial relationships by networking to new customers and cross-selling to existing business customers.• Grow customer base of remote deposit capture and other Treasury services.• Direct first approval of remote deposit capture applicants.• Completed Rigorous 1 year management training program which… Show more Prospect new business relationships and actively pursue developing new business to the bank.• Generate new commercial deposits and loan business.• Develop valuable commercial relationships by networking to new customers and cross-selling to existing business customers.• Grow customer base of remote deposit capture and other Treasury services.• Direct first approval of remote deposit capture applicants.• Completed Rigorous 1 year management training program which included: • Credit Analysis • Corporate Administration • Branch Operations Management Show less

Assisted in all functions of managing a retail banking operation.• Sales leader in Southside Bank's Retail Banking Division consistently hitting 175% or more of sales goals.• Increased branch's new loan volume.• Coached Business Development Specialists to increase branch revenue and therefore improve profitability.

College Of Commercial Credit, Complex Commercial Credit

•Credit Analysis •Complex Credit Structure •Portfolio Management

Bachelor Of Business Administration (B.B.A.), Finance, General