Tom Higgins Email & Phone Number

United States

Washington D.C. Metro Area

Senior Relationship Manager- Responsible for building and managing a portfolio of tax-exempt clients to include sourcing all new clients, deepening existing relationships and partnering with key stakeholders and service providers as appropriate.

Mid-Atlantic Region

Mid-Corporate Relationship Manager for companies with annual sales greater than $50 million, and Regional Lead for Tax-Exempt Banking.

Mid-Atlantic Region

• Responsible for leading and managing a team of Business Relationship Managers, providing a comprehensive array of banking services including treasury services, trade, FX, credit, and international banking solutions for international, and internationally leaning, business clients in the Mid-Atlantic region. • Oversaw relevent strategic initiatives ensuring profitability, steering financial performance, and delivering superior quality of service in a consistent manner. Former roles at HSBC Bank:Tax-Exempt Banking Team LeaderTax-Exempt Relationship Manager

Credit Relationship Manager – Responsible for managing a credit portfolio of thirty of Citibank’s largest commercial credit clients in Washington DC. Includes actively deepening profitable relationships, reviewing and underwriting credit requests, ensuring credit and client covenant compliance, and other client contact responsibilities.Former reoles at Citibank:Not-for-Profit Team LeaderBusiness Development Officer

Headquarters Branch Manager – Responsible for all aspects of branch management including managing the branch profit and loss, operations, and leading a staff of seven employees. Steadily grew an eroding liability base of $34 million by $5 million in eight months, achieving the highest balance levels in the headquarters branch in over four years. Exceeded all sales targets including deposit and loan growth, and investment product sales.

Branch Manager - Responsible for all aspects of the management and operation of multiple retail bank branches with balances up to $40 million and expense budgets of $275,000. Consistently achieved or exceeded all established goals to include profitability, customer satisfaction and business growth. Founded and presided over the Joppa-Loch Raven Business Association and attained a membership level of 45 businesses in less than eight months, thereby surpassing all neighboring established associations.