For over 18 years, I have been a Small Business & Commercial Lender for community banks in Southwest Virginia and the New River Valley. I entered the banking industry right out of college but after a year realized that I needed the experience of running my own business to be an asset to my clients. As a 24 year old Branch Manager with Enterprise Rent A Car, I learned how to utilize a Balance Sheet & Income Statement to make strategic business decisions while understanding the daily challenges a business owner goes through. The business acumen and relationship building skills I gained there prepared me to successfully transition back into banking with the ability to understand my client's needs and help design financial solutions around those needs.Throughout the last 10 years of my banking career, my focus has been on helping clients find working capital solutions that allow them to increase their cash flow to aid in the growth of their companies. I have been fortunate to work for some great community banks that understand the needs of our businesses in Southwest Virginia and the New River Valley. Our lending team has years of expertise in Commercial Real Estate financing, Commercial Construction financing, Commercial/Industrial Lending to include Working Capital, Large Machinery/Equipment, and Investment Real Estate Lending.If your company has some financial needs or if you would just like to have a conversation about the current banking environment, please give me a call or send me an email. Mike RatliffPhone: 276-619-3402Email: miker@newpeoples.bank