CHARLES CONN



CHARLES CONN204 Ansley Villa Drive | Atlanta GA 30324 | 503.705.7678charles.conn@ | MANAGER AND CREDIT ANALYSTVP-level business development officer with more than 15 years of experience as a relationship manager/credit analyst. After receiving my commercial credit training at what is now Wells Fargo, I continued my banking career for a community bank where I was responsible for sourcing new loans from prospects and existing clients, and then performing the credit analysis and presenting the requests to loan committees for credit approval. Most recently, I have worked for super-regional and nationwide banks where my credit background has given me an advantage over other relationship managers who only have financial sales experience. In the same vein, as a credit analyst, the relationship management background has given me credibility and trust when working with loan officers within the bank.Areas of expertise include the following: CRE – Both owner-occupied and investment/income producing propertiesC&I – Lines of credit and equipment loansSBA – 7a, 504, and low doc programsBusinesses with revenues to $15 millionCORE COMPETENCIESCommercial Lending (CRE + C&I)Relationship ManagementCredit Analysis / UnderwritingBusiness DevelopmentPortfolio ManagementSBA LendingClient-centeredCommunity BankingEDUCATION & CREDENTIALSBachelor of Arts, Business – Economics, University of South Florida, Tampa FL?Omega+ Commercial Lending Certification Moody’s Analytics Business Lending Program CertificationExperienced user of Moody’s and Baker Hill underwriting software and Fiserv, Jack Henry, D+H and FIS core systems?Graduate of Leadership Brevard program to foster involvement within the communityNOTABLE ACHIEVEMENTSReceived the first Pinnacle Award along with four others at U.S. Bank for exemplary performance when it was introduced for relationship managers in the bank’s 25-state footprint. Based on loan growth, new client growth and credit quality. Graduated Management Associate program at First Union where I received my initial commercial credit training and education on cross-selling existing clients as well as attracting new clients to show them the benefits we could offer them.Can quickly and accurately perform quick cash flow / debt service coverage calculations, through my strong credit background, when calling on clients to offer them a realistic idea of whether their request fits with the bank's loan policy. Led and hired a team of seven while I spearheading and implementing our community bank’s Internet cash management product for small businesses and led a team of seven as Director of Business Services for the bank. Worked in conjunction with the bank’s chief credit officer to establish new policy guidelines associated with ACH credit risk.Consistently earned and received incentives based on production, credit quality and meeting service level agreements to our clients.Developed and managed a profitable loan and deposit portfolio of small to middle-market sized businesses with annual revenues up to $50 million through the development and retention of long term, profitable client relationships. Partnered with internal customers including relationship managers and branch managers to keep them informed through all phases of the underwriting process and to suggest cross-sell opportunities to deepen the relationship.Actively involved in community service organizations where I held board member positions at groups such as Rotary International and local Chamber of Commerce groups. Actively volunteer for non-profit service groups and currently pursuing a volunteer board position.CAREER HISTORYAccount Executive, PayJunction 2016-PresentResponsible for B2B outside sales activities. Identify businesses that would benefit from web-based financial software for processing merchant transactions and paperless payments.?Product Manager, D+H (f/k/a Harland Financial Solutions) 2014-2015Managed and implemented improvements to our commercial loan documentation software by maintaining communication with our financial institution clients to help them meet their needs more efficiently.Underwriter, Wells Fargo Home Mortgage 2013-2014Performed a thorough analysis to ensure the quality of each loan and to determine compliance based on policy guidelines. Consultant, Newton Commercial Group 2010-2012Evaluated/determined proper rental rates for new commercial projects being developed to ensure that appraised values upon project completion and lease-up met or exceeded the project cost.Client Relationship Manager, U.S. Bank 2007-2010Managed existing small business loan portfolio and analyzed financials submitted with new loan requests through in-person client meetings. Credit Analyst / Portfolio Manager, SunTrust Bank 2005-2007Provided a wide range of credit and sales support services Relationship Managers including: identification of cross sales opportunities, preparation of credit approval packages, annual reviews, and renewals of complex credits.Group Manager and Business Development Officer, Riverside Bank 2000-2003 Established Internet-based cash management, wire transfer, stop payments, and ACH to compete with larger bank offerings and led a team of seven business services officers in newly created roles.Relationship Manager, Commercial Banking, SunTrust Bank 1991-1998Worked for a community bank with both business development and underwriting duties. Later was acquired by SunTrust where my duties remained the same but worked in their niche-banking group of customer builder banking and was responsible for underwriting lines of credit to the builders for their spec homes. ................
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