Reginald Harris Email & Phone Number

Managed a diverse commercial lending portfolio consisting of over 20+ relationships, ensuring compliance with banking regulations and policies.• Maximized loan portfolio growth by identifying, pursuing, and underwriting new business opportunities.• Reduced credit risk exposure by conducting thorough financial analysis and regular monitoring of client accounts. This included loan renewals and modifications of credit exposure completed in a timely manner.•… Show more Managed a diverse commercial lending portfolio consisting of over 20+ relationships, ensuring compliance with banking regulations and policies.• Maximized loan portfolio growth by identifying, pursuing, and underwriting new business opportunities.• Reduced credit risk exposure by conducting thorough financial analysis and regular monitoring of client accounts. This included loan renewals and modifications of credit exposure completed in a timely manner.• Achieved strong financial performance through diligent management of underwriting practices and risk mitigation efforts underwriting credit exposure from $5MM to $75MM. Types of credit included commercial/industrial lending, commercial real estate, agricultural loans, and asset-based exposure.• Presented detailed credit proposals to senior management for review and approval, demonstrating sound judgment and persuasive communication skills. • Completed credit risk reviews on a quarterly and annual basis for client relationships.• Monitored economic trends effectively anticipating shifts in market demand or potential risks associated with specific industries or sectors. For example, the impact on businesses due to supply chain issues related to COVID.• Negotiated favorable terms for both the bank and borrowers during loan restructuring discussions, preserving long-term client relationships while minimizing loss exposure. Show less

Georgia, United States

Managed risks and mitigated potential issues through proactive planning, monitoring, and timely decision making for the Georgia Region Commercial Sales Team with a $1B portfolio. • Ensured that the loan portfolio for the region achieved various credit metrics related to past due exposure, financial statement collection, and credit risk assessments. Significantly improved these metrics after merger-related activities.• Conducted regular progress reviews with individual team… Show more Managed risks and mitigated potential issues through proactive planning, monitoring, and timely decision making for the Georgia Region Commercial Sales Team with a $1B portfolio. • Ensured that the loan portfolio for the region achieved various credit metrics related to past due exposure, financial statement collection, and credit risk assessments. Significantly improved these metrics after merger-related activities.• Conducted regular progress reviews with individual team members to identify areas for improvement and provide guidance on career development opportunities.• Improved team productivity by implementing efficient project management strategies and streamlining communication channels.• Enhanced overall team performance by providing regular coaching, feedback, and skill development opportunities on a monthly basis.• Developed and maintained effective relationships with key stakeholders to better understand their needs and expectations related to portfolio management resources for the region.• Promoted a positive work environment by fostering teamwork, open communication, and employee recognition initiatives.• Optimized resource allocation by analyzing team member skills and project requirements, resulting in increased efficiency.• Coached a 7-team member PM Group in job task techniques enhancing results and outcomes.• Trained new team members by relaying information on company procedures and safety requirements. Show less

Warner Robins, Georgia, United States

Managed a diverse commercial lending portfolio consisting of over 40+ relationships, ensuring compliance with banking regulations and policies. • Maximized loan portfolio growth by identifying, pursuing, and underwriting new business opportunities. The loan portfolio for this market always ranked among the highest in the region.• Significantly grew the Warner Robins, GA commercial loan portfolio in 6 months by underwriting, approving, and closing new business.• Reduced… Show more Managed a diverse commercial lending portfolio consisting of over 40+ relationships, ensuring compliance with banking regulations and policies. • Maximized loan portfolio growth by identifying, pursuing, and underwriting new business opportunities. The loan portfolio for this market always ranked among the highest in the region.• Significantly grew the Warner Robins, GA commercial loan portfolio in 6 months by underwriting, approving, and closing new business.• Reduced credit risk exposure by conducting thorough financial analysis and regular monitoring of client accounts. This included loan renewals and modification of credit exposure completed in a timely manner. Helped get this market within bank tolerance in terms of past dues and maturities upon arrival.• Achieved strong financial performance through diligent management of underwriting practices and risk mitigation efforts underwriting credit exposure from $100M up to $50MM.Types of credit included commercial/industrial lending, commercial real estate, agricultural loans, and asset-based exposure.• Presented detailed credit proposals to senior management for review and approval, demonstrating sound judgment and persuasive communication skills.• Monitored economic trends to better anticipate shifts in market demand or potential risks associated with specific industries or sectors. For example, risks associated with certain commercial real estate exposure.• Negotiated favorable terms for both the bank and borrowers during loan restructuring discussions, preserving long-term client relationships while minimizing loss exposure. Show less

Forsyth, Georgia, United States

• Improved a financial center performance consisting of $24+ million in deposits and $6+ million in loans by implementing effective sales strategies and staff training programs.• Streamlined operations for increased efficiency through process optimization and workflow management.• Enhanced customer satisfaction with exceptional service, relationship building, and personalized banking solutions.• Developed a high-performing , 5 member team through targeted… Show more • Improved a financial center performance consisting of $24+ million in deposits and $6+ million in loans by implementing effective sales strategies and staff training programs.• Streamlined operations for increased efficiency through process optimization and workflow management.• Enhanced customer satisfaction with exceptional service, relationship building, and personalized banking solutions.• Developed a high-performing , 5 member team through targeted recruitment, coaching, and professional development initiatives. Show less

Winston-Salem, North Carolina, United States

• Six Month Intensive training program, which prepared newly selected hires for various job assignments including but not specific to retail, commercial, and other business segments of the bank.

Macon, Georgia, United States

• Improved claim resolution times by efficiently managing a caseload of 50+ claims per month.• Achieved high customer satisfaction ratings by providing clear and timely communication throughout the claims process.• Negotiated favorable settlements with claimants, attorneys, and other insurance carriers to minimize financial risk for the company.• Conducted thorough investigations of complex insurance claims, gathering evidence and analyzing relevant documentation.

Macon, Georgia, United States

• Increased client satisfaction by providing personalized insurance solutions tailored to individual needs.• Developed strong relationships with clients through consistent communication and exceptional customer service.• Enhanced sales pipeline by targeting potential customers in various markets and utilizing effective marketing strategies.• Expanded client base by generating referrals from satisfied customers and networking within the community.

Master Of Business Administration, Business Administration And Management, General

Bachelor'S Degree, Accounting