Neil H. Email & Phone Number

Easton, Pa, Us

Easton, Pennsylvania, United States

State College, Pennsylvania Area

State College, Pennsylvania Area

1. Service business relationships for small business clients with up to $1MM in Total Business Exposure by delivering and executing on Perfect Client Experience Standards of Excellence. Reiterate the importance of the client's relationship to the Bank to improve retention.2. Manage relationships virtually using channels such as phone, email, and social media to communicate with clients instead of meeting face to face.3. Initiate credit renewal process, including monitoring the Combined Future Maturities w/Gap Report and responding promptly to inquiries from Small Commercial. Proactively prepare documents for client execution, maintain current financial statements for certain clients, and evaluate renewals to determine if client would be better suited for a product that does not require future renewals (e.g. business credit card, leasing line of credit).4. Work extensively with Small Commercial to benefit from all scoring models and decisioning tools available in order to improve efficiencies associated with the portfolio.5. Maintain a proven history of above average credit skills and portfolio management skills, including problem loan and collections activities, as demonstrated by superior past due and loan loss results.6. Evaluate and extend credit terms in accordance with policy, recognizing when it is appropriate to seek higher counsel/authority.7. Manage discretionary pricing of loans and deposits to ensure an appropriate return.8. Assume responsibility for proper documentation and review of accounts. Ensure quality via follow-up and clearing of exceptions.9. Monitor loans to ensure complete conformity with terms and to identify developing trends.

State College, Pennsylvania Area

-Maintain and grow current portfolio of small business banking customers;-Act as regional small business leader and expert with colleagues, business owners, and centers of influence;-Enhanced knowledge of overall business aspects, and confidently demonstrate my expertise to colleagues, customers, and prospects;-In-depth understanding of retail business credit, processes, and policies, including SBA 504 and 7a programs ;-Expanded knowledge of the cash flow conversion cycle in relation to different industries, and using this knowledge to leverage meaningful, in-depth conversations with customers and prospects to uncover additional opportunities ;-Utilize defined bank processes and business banking knowledge to uncover quality new-to-bank leads and deepen current customer relationships;-Consistent regional top producer by exceeding deposit, lending, and new-to-bank relationship goals;-Increased customer loyalty which has resulted in expanded business opportunities and career development growth;-Highly self-motivated, client focused, and detail-oriented, which has led to strong business relationships within the community and Central PA region.