Seth Murphy Email & Phone Number

Georgia/Alabama Market

Responsible for promoting the sale and utilization of Retail Assets' full suite of products and services through PNC's Retail Distribution Channels, including the Branch. The Retail Lending Distribution Management team provides a holistic lens on acquisition of Retail Asset credit/payments products in support of: -Achieving acquisition goals through face-to-face distribution channels for Consumer Card, Business Card, Home Equity, Non Equity and Auto -Creating symmetry in Product / Transaction Support, Communication and Performance Management across credit products and channels. -Enhancing partnership with Operations, Product Line of Business & Distribution to identify and manage to critical customer-oriented service levels. -Coordinating enhancements to the customer and employee experience throughout the credit acquisition process. -Driving consistency and effectiveness of Point of Sale credit/payment conversations to improve productivity and increase share of wallet. -Train the trainer: provide product, process and sales training to Market Sales and Service leaders.-Consult with market leadership to develop the lending strategy informed by local market conditions and retail strategy/objectives. -Serve as the escalation point for credit, valuation and rate exceptions. Use consistent, value driven processes to objectively evaluate these exceptions to maximize balance sheet and income statement impact to the bank. -Drive lending specific ad-hoc and strategic initiatives designed to advance the Retail bank's lending strategy. Includes leading efforts from a project management, training, and communication perspective.

· Responsible for the market management and human resource management of a district that encompasses 7 stores, 76 employees and $200+ million in deposits.· Understand the complex needs of the markets customers, competitors, and sales goals.· Developed and implemented effective sales and business strategies for the district along with coaching and developing my managers skills to implement similar plans at the store level.· Managed relationships with partner groups to include: Business Banking, Merchant Services, Payroll, Financial Advisors and Mortgage Consultants.

Birmingham, Alabama Area

· Acted as a liaison between Financial Specialists and the underwriting team to approve and/or restructure credit applications up to $1 million dollars that fell outside the normal underwriting guidelines. · Partnered with 5 districts and 75 Financial Specialists to ensure our market achieved consumer and small business loan production goals.· Coached Financial Specialists with different levels of expertise in lending to develop stronger knowledge of products, process and generation of business.· Held weekly pipeline calls to drive loan applications from origination to closing by overcoming obstacles, up selling/restructuring, and inspecting lender follow up.· Conducted loan schools for Financial Specialists to share best practices, assess product knowledge and establish a follow-up plan to further develop their individual skills.

Pensacola, Florida Area

· Sales oriented position focusing on loans, deposit accounts, mutual funds and annuities for consumer and commercial clientele.· Profiled existing and prospective clients to find best products for retirement planning, educational planning, loan rate reduction, and overall money management.· Partnered with Financial Advisors, Trust Specialists, and Business Bankers to accommodate customers with special financial needs.· Provided excellent customer service to develop deep ongoing relationships with customers ultimately resulting in the additional gathering of assets and borrowing needs.· Actively participated in leadership activities including mentoring Ready Talent Financial Specialists and stepping into Sales Leader position in his absence to administer call nights, pipeline calls and weekly impact calls.

· Sold advertising for the largest print and on-line yellow pages to new and existing customers.· Responsible for $100,000 monthly revenue ($1.2 million annually) · Proposed and negotiated contracts valued up to $25,000 for a single contract.· Achieved over 100% to quota consistently, as well as obtaining bonus goals.· Provided individualized service for each client by assessing needs, preparing a custom proposal, negotiating proposal items and terms, and preparing follow-up paperwork including credit applications and ad copy.· Resolved customer complaints by acting as a liaison between the Telephone Company and customers.

· Met and exceeded first-year “Asset Under Management” target with over $2.7 million.· Established and maintained client relationships through needs-based approach to sales and superior account service.· Prepared and conducted investment and sales seminars and cold-called corporate and individual prospects to attract new client base.· Created and implemented comprehensive financial planning through advice and counseling to clients in areas of fixed income, college planning, asset allocation, mutual fund investing, money management, portfolio analysis, market research, retirement planning, capital appreciation, value-added services, and growth.· Interfaced professionally with tax specialists and retirement planning and trust service professionals.· Provided access and completed transactions for client base to initial public offerings.

Bachelor Of Science (Bs), Finance

Activities and Societies: Kappa Sigma

Education record