Terrence Miller Email and Phone Number

Credit Officer II

Commercial Loan Officer: Identified companies in need of financing, short term or long term. Structured a financial package based on the five C’s of credit and the requirements of the lending institution.Number one salesman in 2005 with over $7,000,000 in loan closings.Worked with troubled accounts on restructuring of debt and payback terms.

Commercial Loan Officer: Identified companies in need of financing, short term or long term. Structured a financial package based on the five C’s of credit and the requirements of the lending institution.Managed loan portfolio of $34,000,000. Customers included Real Estate Developers, Construction Companies, Manufacturing, and Doctors. Developed marketing program to the significant centers of influence.

Managed a staff of 5 for a regional franchising company with 146 stores through effective use of goal setting and measured performance criteria. Justified and managed $6MM budget. Provided financial and negotiations expertise for corporate development initiatives, including acquisitions, divestures, and joint ventures.

Owner of a CPA practice with a staff of 5. Designed and implemented a comprehensive program of financial controls and tax advice to improve clients’ profitability. Planned and managed over 120 clients by being able to multi-task, delegate and direct staff. Client mix of doctors, attorneys, restaurants, retail, franchiser, distributors, and construction companies.

Controller (1982 - 1983)Directed a staff of 7 in the areas of cost accounting, payroll and general accounting. Introduced ACH payroll function. Settled IRS notice of deficiency saving the company $50K in cash.General Accounting Supervisor (1981 - 1982) Supervised a staff of 3, prepared financial statements, reconciled general ledger accounts, project analysis.

Gathered data related to Footnote Disclosure for FASB 12, Reviewed and reported on departmental F/S. Assisted in the set-up of Cost Accounting Reporting System at a new manufacturing facility. Analyzed cost accounting system for proper labor, material, process and overhead costs.

Audited major manufacturing companies financial statements, loan covenants and SEC filings. Multi-tasked based on assignments and deadlines. Developed interpersonal relationships with all levels of management.