Yolanda E. Deese
Commercial Relationship Manager, Credit structuring
Kansas City, MO · (816) 555 0189 · name@example.com · linkedin.com/in/yolandaedeese
Key Qualifications
EXPERIENCE
Fifteen years in commercial and middle market banking
CLIENT PROFILE
Privately held companies with revenue from twenty million to one hundred and fifty million dollars
PRODUCTS
Revolving lines, term debt, owner occupied and investor real estate, interest rate swaps, treasury management, deposits
SPECIALTIES
Credit structuring, covenant negotiation, treasury management sales, ownership transition financing
SYSTEMS
nCino, Salesforce, Moody's CreditLens, Fiserv
CREDENTIALS
Commercial Lending diploma, American Bankers Association; Risk Management Association member
EDUCATION
Master of business administration, University of Missouri Kansas City
Executive Summary
Middle market relationship manager, fifteen years, carrying a portfolio of one hundred and eighty million dollars in commitments for companies with revenue between twenty million and one hundred and fifty million dollars. I own the credit, the deposits and the treasury business for thirty two client groups.
Signature Achievements
- Grew portfolio commitments from one hundred and twelve million dollars to one hundred and eighty million in four years without adding a classified credit.
- Brought in fifty four million dollars of operating and money market deposits, which funded the loan growth at a cost below the bank average.
- Generated one point four million dollars of annual treasury management fee revenue across the portfolio.
- Financed six ownership transitions, including a four generation family manufacturer bought out by its management team for twenty two million dollars.
- Held net interest margin on the portfolio at three point four percent through a rising rate cycle by pricing to relationship rather than to the loan.
- Recovered full principal on a nine million dollar credit that entered special assets, through a negotiated sale of the collateral property.
Professional Experience
Commercial Relationship Manager
Westport Commerce Bank, Kansas City, MO 2018 to present
Middle market team of seven; thirty two client groups across Missouri and eastern Kansas.
- Source, structure and close revolving lines, term loans and real estate credit from two million to twenty five million dollars.
- Build the credit request myself with global cash flow, debt service coverage ratio and loan to value analysis and present it to the senior loan committee.
- Negotiate covenants, guaranty structure and reporting requirements with owners and their accountants before the term sheet goes out.
- Sell treasury management, including lockbox, automated clearing house origination and positive pay, alongside every credit relationship, and complete beneficial ownership review before any facility funds.
- Complete annual reviews with audited statements, site visits and updated risk ratings, and escalate deterioration to credit administration early.
Commercial Banking Officer
Kaw Valley National Bank, Overland Park, KS 2012 to 2018
Commercial team serving companies with revenue up to forty million dollars.
- Managed a portfolio of forty five borrowers with sixty five million dollars in outstanding balances.
- Underwrote and closed working capital lines, equipment term debt and owner occupied real estate loans.
- Handled annual renewals, borrowing base certificates and covenant testing for the full portfolio.
Credit Analyst
Blue River Trust Company, Kansas City, MO 2010 to 2012
Centralized credit department supporting six commercial lenders.
- Spread financial statements and wrote credit memoranda for new requests and annual reviews.
- Built industry comparison and sensitivity analysis for the loan committee package.
- Completed the bank credit training program and moved to a portfolio role in 2012.
Licensure and Certification
Commercial Lending diploma, American Bankers Association, 2013
Member, Risk Management Association, Kansas City chapter
Education
Master of business administration, University of Missouri Kansas City, 2015
Bachelor of science in finance, Kansas State University, 2009
Core Skills
Middle market lending · Credit structuring · Covenant negotiation · Global cash flow analysis · Treasury management sales · Deposit growth · Portfolio risk rating · Ownership transition finance · Client acquisition · Loan committee presentation