Business Development Officer (“BDO”) for Granite State Development for the Maine market.Granite State Economic Development Corporation is a non-profit lender authorized to package and service Small Business Administration (“SBA”) loans utilizing the 504 lending program. We are the most active certified development company in New England and provide financing in the states of Maine, Massachusetts, New Hampshire and Vermont.The SBA 504 loan program has helped business owners buy… Show more Business Development Officer (“BDO”) for Granite State Development for the Maine market.Granite State Economic Development Corporation is a non-profit lender authorized to package and service Small Business Administration (“SBA”) loans utilizing the 504 lending program. We are the most active certified development company in New England and provide financing in the states of Maine, Massachusetts, New Hampshire and Vermont.The SBA 504 loan program has helped business owners buy owner occupied (at least 51%) real estate and large equipment for over 30-years. The program can allow for down payments as low as 10%, with fixed rates for 20-years on real estate and 10 years on equipment for up to 40% of the purchase price/value.The BDO role works with commercial lenders and their borrowers to help facilitate the application and approval process with the Small Business Administration.Granite State Development is one of the largest CDCs nationwide, generally ranking in the top 6 for volume and dollar and has been recognized as the most active 504 lender in New England for at least 5 years.Since 2008, in cooperation with our valued bank lending partners, we have participated in 1,325 transactions for over $600 million, helping create over 9,000 jobs in New England. This is more than all other CDCs in New England combined. Show less

Lead Commercial loan officer in the Greater Portland, ME market.Androscoggin Bank is a strong community bank that has the ability to handle large commercial transactions with local control and decision making authority.I am also the tax credit finance specialist for Androscoggin Bank, where we look to grow our loan portfolio with transactions that include Historic, Low Income Housing, and New Market Tax Credits.

Act as a Commercial banker for roughly 150 Clients with annual revenues of up to $20 million in all of York County and Scarborough Maine, as well as in to New Hampshire and Massachusetts.Surpassed annual loan production goal in first 6-months of both 2009 and 2010.Manage a current client portfolio of over $14 million in loans and over $10 million in deposits.Create individual book of business 12-month contribution of over $670 thousand.Attain new clients through center of… Show more Act as a Commercial banker for roughly 150 Clients with annual revenues of up to $20 million in all of York County and Scarborough Maine, as well as in to New Hampshire and Massachusetts.Surpassed annual loan production goal in first 6-months of both 2009 and 2010.Manage a current client portfolio of over $14 million in loans and over $10 million in deposits.Create individual book of business 12-month contribution of over $670 thousand.Attain new clients through center of influence relationships, cold calling, and current client referrals.Provide all banking needs for current and prospect clients, including but not limited to, credit, deposit, investment, merchant services, cash management, derivatives, swaps, foreign exchange, leasing, SBA lending, and payroll services. Show less

Underwrite small business commercial loan applications for companies with less than $20 million in revenue for the states of Maine, Vermont, New York, and Florida.Rated as a top producer within the first 6-months of employmentWorked with the sales force to structure deals appropriately as to protect the bank and allow feasible repayment by the clientPresented credit downgrades to a panel of peers and the recovery group (bi-weekly)Presented management attention and other assets… Show more Underwrite small business commercial loan applications for companies with less than $20 million in revenue for the states of Maine, Vermont, New York, and Florida.Rated as a top producer within the first 6-months of employmentWorked with the sales force to structure deals appropriately as to protect the bank and allow feasible repayment by the clientPresented credit downgrades to a panel of peers and the recovery group (bi-weekly)Presented management attention and other assets especially mentioned, credit risk rated 15 and worse, with over $1 million in exposure to the entire Business Banking risk management department (quarterly)Developed exit strategies with the sales team for clients that no longer fit within KeyBank's credit standardsAssigned proper risk rating at the obligor and obligation level based on the client's financial performanceApproved and decline submitted deals based on financial analysis. Show less

Provide sales and service leadership by hiring, developing, coaching, and motivating a strong team within the branch, while creating an external network of business decision makers to show market leadership in the communityTop 19% for the state of Maine in contribution margin to plan (98.662% as of the end of October 2007), while re-staffing the entire branch during the same periodGrowing as a recognized leader in the community; by seeking additional responsibility and contributing… Show more Provide sales and service leadership by hiring, developing, coaching, and motivating a strong team within the branch, while creating an external network of business decision makers to show market leadership in the communityTop 19% for the state of Maine in contribution margin to plan (98.662% as of the end of October 2007), while re-staffing the entire branch during the same periodGrowing as a recognized leader in the community; by seeking additional responsibility and contributing significantly to community groups as an elected board member and/or coordinating officer (Kiwanis, SP/CE Community Chamber, and Rainmaker Referral chapter of BNI)Focused sales efforts on external calling to increase business loans and depositsConsistently followed Developing High Performance outline in promoting, moving, or eliminating staff to positions that better meet their skill set Show less

Manage and coordinate all internal branch operations, including a staff of four people who reported directly to meMaintained complex compliance procedures monthly, quarterly, bi-annually, and annuallyFacilitated training and scheduling for the entire branch staff, including direct supervisorAchieved high performance goals in multiple categories, such as consumer deposits and loans, business deposits and loans, investment services goals, and merchant service referralsResponsible… Show more Manage and coordinate all internal branch operations, including a staff of four people who reported directly to meMaintained complex compliance procedures monthly, quarterly, bi-annually, and annuallyFacilitated training and scheduling for the entire branch staff, including direct supervisorAchieved high performance goals in multiple categories, such as consumer deposits and loans, business deposits and loans, investment services goals, and merchant service referralsResponsible for selling over forty different products with a wide range of applications and target markets Researched, explained, and relieved any frustration or knowledge gap that a customer may have had with any of Key Bank's wide array of products and services Show less