ACCOMPLISHMENTS: * Developed and implemented infrastructure, policies, procedures and credit processes for a centralized commercial underwriting function (First Horizon National Corporation) * Tripled loan portfolio in 5 years while achieving asset quality performance objectives (BBVA Compass) * Developed national credit policy and procedures for Small Business Lending Program (KeyCorp) * Implemented automated decisioning ("credit scoring") technology for decisioning small $ business loan requests (KeyCorp) * Selected and implemented Small Business loan document preparation and application processing systems (KeyCorp) * Reversed 5-year trend of declining loan balances outstanding and corrected major deficiencies in asset quality and credit process (Mellon Bank) * As a Business Development Officer, Relationship and Sales Manager (1972 - 1996), consistently grew loan and deposit portfolios under my responsibility and increased the profit contribution to the Bank of my individual or unit's portfolios (The Philadelphia National Bank, Fidelity Bank, and Mellon Bank) * Participated in the development of a profit center reporting system, a customer profitability analysis system, a profit planning system, and a rudimentary asset/liability management system (The Philadelphia National Bank)

Highlights:

• Banking Industry
• Equity
• Pricing
• Retail
• Retail Banking
• Diversity
• Management
• Private Client
• Risk Management
• Underwriting