Stephen Smith Email & Phone Number

Charleston, South Carolina

• Actively participate in a business development plan to increase the Bank’s loan & deposit portfolio
• Manage full-service banking relationships with businesses, professional practices & high-net-worth individuals
• Analyze financial, tax & credit needs of customers & recommend strategies that utilize company products/services
• Leverage business partners in Commercial, Mortgage, Treasury, Investment Services & Retail when appropriate to bring a holistic banking approach to all client meetings
• Resolve customer concerns & assist with general inquiries
• Build & maintain a positive working relationship with COI’s to enhance the Bank’s image & reputation in the marketplace

Charleston, South Carolina

• Responsible for the origination of Securities Based Lines of Credit, Non-Reg Z Mortgages, Partner Capital, Bridge & Consumer Loans within TD Wealth for the Mid-South & Northern New England Markets
• Worked with high-net-worth clients to understand complex financial statements & legal structures for Individuals, Trusts & LLC's
• Proposed alternative loan structures which included customized lending solutions
• Developed & maintained strong business relationships with Wealth Market Leaders, Relationship Managers & Investment Advisors
• Worked with high speed processing & credit underwriting teams to ensure loans & lines of credit closed in a timely manner
• Maintained a network of external centers of influence to help drive the origination of credit products

Charleston, South Carolina

• Provided people management leadership by hiring the best talent, setting goals, developing staff, managing employee performance/compensation decisions & promoting teamwork
• Acquired & grew small business relationships with companies up to 5 million in annual revenues by networking with existing clients, leveraging COI's & making prospecting calls
• Managed a small business account portfolio including: deposits, loans, fees & expenses
• Utilized Salesforce to manage sales pipeline & assisted in identifying/responding to the financial needs of my existing & prospective clients
• Leveraged business partners in Commercial, Middle Market, Wealth, Treasury, Merchant Services, Payroll & Mortgage to bring a holistic banking approach to all client meetings

Columbia, South Carolina

• Integrated sales plans for retail consumer & small business to ensure branch profitability
• Routinely conducted sales meetings & coached branch staff to improve capability & sales results
• Ensured all associates adhered to bank policy & regulatory requirements
• Worked closely with partners in Commercial, Private Banking, Investor Services & Trust to deliver complete customer banking solutions
• Made outbound small business calls on a weekly basis to acquire new customers & foster their growth within the Bank

Columbia, South Carolina

• Planned & organized activities to increase business volume, deposit growth, branch profitability & operational soundness
• Provided training, guidance & support to branch staff
• Held weekly sales meetings which included reviewing sales efforts & deposit growth with staff
• Documented calls, referrals & cross selling opportunities to ensure a proper follow up process was followed
• Assisted staff in resolving out-of-balance reconciliations & performed surprise audits on the tellers, vault & ATM
• Appropriately delegated duties & tasks to ensure branch was run efficiently

Columbia, South Carolina

• Sold retail banking products & services to customers & prospects
• Managed customer portfolios & serviced relationships
• Provided a broad base of financial & credit services with the goal of acquiring 100% of the customers' business
• Developed & maintained relationships with business partners to maximize sales opportunities
• Used profiling analysis tools to identify cross sell opportunities & made outbound sales calls to increase product per customer ratio

Columbia, South Carolina

• Supported customers in resolving or escalating concerns & complaints
• Assisted customers with basic requests related to opening new accounts, completing service requests & submitting credit card applications
• Referred customers' financial needs to other bankers & partners as needed

Columbia, South Carolina

• Served customers by completing account transactions
• Cross sold bank products by answering inquiries & informing customers of new promotions
• Complied with bank operations & security procedures by participating in all dual-control functions
• Maintained customer confidence & protected bank operations by keeping information confidential

Business Administration

High School Diploma

Activities and Societies: Fellowship of Christian Athletes, Soccer