I serve as a Senior Vice President Education & Not-for-Profit Relationship Manager for M&T Bank. I am responsible for developing, managing and growing commercial relationships in the Virginia, Maryland and Washington D.C. markets.I evaluate credit requests and customize loan programs to meet the organizations needs by offering loans for:- Commercial Real Estate Financing- Lines of Credit- Working Capital Lines of Credit- Asset Based Line of Credit- Equipment term loans- Affordable Housing Financing- Tax Exempt FinancingWe can assist you with the management of your organization’s finances through a comprehensive cash management system. I work with organizations and CFO’s to better understand what is important to them and I can make recommendations to maximize their cash flow to create greater efficiencies.We offer a user friendly online banking system and offer a complete menu of treasury products and services to meet your needs:- Deposit Products- Online Banking- Remote Deposit Capture- Overnight Investments- ACH and Wire Capabilities- Lockbox Services- Fraud Prevention Controls and Risk Management Tools

I served as a Senior Vice President and Commercial Banker for First Citizens Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Virginia, Maryland and Washington D.C. markets.I specialized in working with all types of businesses including: CPA’s; Small to mid-size businesses; trade associations; nonprofit organizations; and businesses with up to $200 million in revenue.First Citizens Bank has experience in making both conventional and 504 and 7a SBA loans that will enable your organization to strengthen its competitive edge. I evaluated credit requests and customize loan programs to meet the organizations needs by offering loans for:- Commercial Real Estate Financing- Lines of Credit- Working Capital Lines of Credit- Asset Based Line of Credit- Equipment term loans- Healthcare Financing- Affordable Housing Financing- Tax Exempt Financing- 7A and 504 SBA Lending ProgramsI worked with business owners and CFO’s to better understand what is important to their organization and I made recommendations to maximize their cash flow to create greater efficiencies.We offered a user friendly online banking system and offer a complete menu of treasury products and services to meet your needs:- Deposit Products- Online Banking- Remote Deposit Capture- Overnight Investments- ACH and Wire Capabilities- Lockbox Services- Fraud Prevention Controls and Risk Management Tools

I served as a Senior Vice President and Commercial Relationship Manager for Atlantic Union Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Virginia, Maryland and Washington D.C. markets.I specialized in working with all types of businesses including: CPA’s; Small to mid-size businesses; trade associations; nonprofit organizations; municipalities and businesses with up to $200 million in revenue.

I served as a Senior Vice President and Commercial Relationship Manager for Capital Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Virginia, Maryland and Washington D.C. markets.I specialized in working with all types of businesses including: CPA’s; government contractors; trade associations; nonprofit organizations; municipalities and businesses with up to $200 million in revenue.

I served as a Senior Vice President and Commercial Relationship Manager for Access National Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Virginia, Maryland and Washington D.C. markets.I specialized in working with all types of businesses including: CPA’s; government contractors; trade associations; nonprofit organizations; municipalities and businesses with up to $200 million in revenue.

I served as a Vice President and Business Banker for SunTrust Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Greater Washington area markets.I specialized in working with all types of businesses including: CPA’s; government contractors; trade associations; nonprofit organizations; and businesses with up to $20 million in revenue.I evaluated credit requests and customized loan programs to meet the organizations needs by offering loans for:- Commercial Real Estate Financing- Lines of Credit- Working Capital Lines of Credit- Asset Based Line of Credit- Tax Exempt Financing- 7A and 504 SBA Lending Programs

I served as a Vice President and Commercial Banker for Access National Bank. I was responsible for developing, managing and growing commercial relationships. I served organizations in the Virginia, Maryland and Washington D.C. markets.I specialized in working with all types of businesses including: CPA’s; government contractors; trade associations; nonprofit organizations; municipalities and businesses with up to $100 million in revenue.I evaluated credit requests and customize loan programs to meet the organizations needs by offering loans for:- Commercial Real Estate Financing- Lines of Credit- Working Capital Lines of Credit- Asset Based Line of Credit- Government Contractor Financing- Tax Exempt Financing- 7A and 504 SBA Lending Program

Hired to execute the overall bank strategy for both personal and small business clients within a defined market. Responsible for soliciting and expanding business relationships in an assigned market. Offered a full range of loan, deposit, and non-credit services to existing and prospective business clients. Provided consultative needs analysis to clients, make proposals and offer additional bank products and services.

Hired to execute the Mid-Atlantic emerging market business strategy across the 8-state region. Leveraged existing resources, including 300+ Sales Executives, and utilized a diversified business approach to grow the objectives; full P&L accountability for a $612 million budget.Led team to originate $48 million in sales in emerging market production through opportunity identification, sales recruitment/training/coaching, and product awareness.Achieved a 20% market penetration rate; added 10 new Emerging Market Sales Executives contributing an additional $4 million in monthly sales.Increased sales 30% to 52 million in a 9-month period, contributing .30 basis points in profit.Coordinated and implemented state, county, and city neighborhood programs to generate additional sales and provide borrowers with other financing options.Directed and implemented the Emerging Markets sales training for more than 300 Sales Executives, which increased their sales productivity.

In charge of launching and managing several business strategies and production platforms company-wide, including off shoring, with P&L accountability for a $1.7 billion production budget. Key stakeholder with decision-making impact regarding the business, direction setting and strategic development. Partnered with indirect and retail sales teams to execute customer sales strategy. Directed 75+ associates and 5 direct reports; managed the H&R Block Bank relationship and processing platform. Grew the sales adoption rate to 52% as well as developed and implemented credit policy.Contributed .57 basis points in profit to the overall corporate bottom line for FY 2006.Reduced costs 25% by implementing the first off shoring initiative; contracted with an organization in India and by integrating technology.

In charge of all aspects of the retail lending operation for the state of GA, including the marketing, sales, origination, underwriting, and processing of conforming and nonconforming real estate loans. Partnered with Bank of America branches throughout GA to effectively cross sell all bank products.Increase monthly loan volume 25% to more than $1.7 million through staffing selection and training.Achieved President Club Producer and Circle of Excellence Performer awards within 8 months of hire.Bank of America closed its Nations Credit subsidiary in 2000.