In Transition Bank Consulting

Established a multidisciplinary interim consulting proprietorship predicated on an in depth understanding of the interconnected nature of economics, politics, law, accounting, and finance ahead of most mainstream economists, news outlets, and industry publications.
•	Engaged with multiple industry and institutional trade association and member groups to keep parties apprised of my forward-looking assessment of how an evolving credit, investment, and economic landscape would continue to have a tailwind impact on their constituents and membership from a cashflow, capital stack, and supply chain perspective.
•	Cite through select social media, public facing words of warning for Going Concerns, C-Suite Executives, Boards of Directors, and Professional Services Providers; the impact of excessive stimulus having recapitalized zombie corporations while credit standards loosened further in Private Credit, Investment Banking, Venture Capital, and Government Grant deployment.
•	Educate adjacent industry leadership of what corporate enterprise in middle-market will be tasked to overcome going forward; as a byproduct of multiple banking systems & regulatory agencies having been lax on upholding prudent due diligence per the risk profiles of Commercial & Industrial (C&I) Operating Companies in US; which may lack true upside market potential and/or an ability to generate revenue by meeting a market need while turning a profit in an evolving global economic landscape.

Founder | Executive Consultant

Greenwoods State Bank

Developed a Strategic Plan for launch of new specialized Commercial & Industrial (C&I) Lending unit by tapping into prior experience in building out multiple facets of Commercial Credit, Operations, and Loan Administration areas to grow and support new middle-market commercial banking relationships.
•	Proactively approached Executive Leadership Q3 2022 knowing it became the wrong time to launch an additional specialty lending group at a $500MM institution once the Fed took action to raise interest rates anticipating this adjustment would strain liquidity at financial institutions nationwide.

Senior Vice President | Director of Commercial & Industrial Lending

Ixonia Bank

Recruited to aid growth and transformation of a recapitalized community bank in its effort to become a boutique commercial FI focused on conventional middle-market commercial relationships.  
•	Built, managed and maintained C&I Loan Portfolio exceeding $100MM (net) by adopting effective, targeted prospecting methods which support corporate expansion through organic growth, corporate investment in industrial automation, vertical integration, and mergers & acquisitions (M&A) by being highly skilled in the areas of ownership reorganization, buyouts, debt restructure, recapitalization, divestiture, and serving/sourcing as lead on multiple deals requiring participation.
•	Leveraging a “lead by example style” I influenced numerous seasoned commercial bankers, and multiple junior lenders as my direct reports, to adopt methods that drove increased sales and the banks’ ability to service new commercial relationships without adding additional employee overhead due to operational efficiencies gained. 
•	Led successful initiative to eliminate rework between Commercial Lending, Credit, and Loan Administration without compromise to credit standards, also incorporating credit risk present in select TM offerings.
•	Established Correspondent Global Trade service allowing increased business through facilitation of international services supporting corporate expansion while moving the banks credit appetite further upstream in middle-market.
•	Established third-party pass-through correspondent leasing relationship increasing capacity to issue capital through off balance sheet methods while providing the bank with an additional source of fee income.
•	Expanded TM/FX product offerings and implemented sales strategy to overcome the banks prior historical net income drain, leading to multiple years of positive net revenue performance for the bank; while expanding services that add value to mid-market by improving cashflow, reducing interest expense, and protecting clients from fraud.

Senior Vice President - Commercial Banking

Tapping into my proven ability to increase and influence adoption of a relationship-based sales and service culture by leveraging a consultative leadership style, I also helped the institution adopt operational efficiencies that support soundness, profitability and growth based on prudent conventional credit principles leading to promotion in 2018.

Vice President Commercial Lending

Associated Bank

Initially hired as a Business Development Officer to support the institutions turnaround plan under its new CEO, I was quickly promoted to Relationship Manager and subsequently selected to join various internal committees to help the institution replicate the improvement in my portfolio’s RAROC which was driven by strong cross sale and focus on proper credit deliverables.
•	Named 2012 Strategic Partner of the Year by Associated Financial Group for cross sale of Insurance, 401(k), and HRO Business Solutions providing benefit to the bottom line of corporate clients while increasing revenue streams for the bank.
•	Selected as a contributing member of the bank’s Salesforce design team allowing the bank to maximize a collaborative environment between front line sales staff, operations, and administrative areas while designing process flow.
•	Worked with Executive & Senior Leadership to enhance an end-to-end commercial credit decisioning platform purchased by the bank’s prior leadership which lacked operational process and procedure development. By sourcing new commercial loan opportunities, I subsequently contributed to designing and tested new processes and procedures attaining 119% of my annual loan growth goal in 2011 allowing the bank to proceed with a companywide roll out to improve efficiency.

Vice President Business Banking Relationship Manager

Paychex

Recognizing ability to leverage multiple facets of acquired experience in financial services combined with an ability to apply an effective consultative selling style within the C-Suite, I was recruited by the company as it sought to understand why PEO sales were lacking in their Wisconsin market.
•	Consulted with clients to minimize risk, improve regulatory compliance, and increase employee retention while identifying opportunities to outsource non-revenue-generating tasks allowing companies more time to focus on strategic activities that add directly to their bottom line. Enhance employer benefit packages with pre-tax health and retirement solutions as well as pooled health care solutions.
•	Received exceptional training from an industry expert in compliance and regulatory reporting, while contributing value-added commentary to the organization from a banker perspective. Made inroads with a slightly altered solution-oriented approach to the “sale.” Subsequently, congress passed healthcare reform in late 2010 which encouraged me to return to banking due to new parity rules that would restrict corporate healthcare cost savings regardless of a change in plan design.

Human Resources Solutions Specialist | PEO Sales

PNC Bank (FKA National City, MidAmerica, St. Francis Bank)

Enhance employer benefit packages by providing a robust suite of discounted banking services, HSA Administration, and on-site Employee Financial Education Seminars. Work with area Finance and Human Resources Departments to develop and implement customized program offering based on the needs of their individual workforce. Promote advantages and growing appeal toward High-Deductible Health plans in response to rising employer/employee health care premiums on traditional group health. 
•	Developed, implemented, and executed a profitable, results-driven marketing strategy, training material, and go-to-market plan to aid in creating brand awareness and improve market share for National City Bank in their first de novo market, while subsequently we became part of PNC Bank within 6 months. My market consisted of 25 branches that went through a series of four bank mergers in five years, having no prior corporate banking presence in WI. I successfully led new corporate banking relationships, opening the door with a service that is usually cross sold into existing corporate relationships.
•	Awarded 2008 National City Sales Champion award for providing value-added benefits resulting in achievement of 243% of goal, having a positive impact on the bottom line of business clients and their workforce by focusing on employee education in the areas of healthcare reform and personal finance.

Vice President, Market Manager

HSBC

Wholesale & Correspondent Account Executive 							2005 – 2007
Analyze territory sales and market opportunity in a dynamic lending environment. Educate broker accounts on current company offerings to obtain new business. Review broker client opportunities, providing credit structure and pricing. Advise clients on changing industry/investor credit appetite while maintaining relationships and sourcing business from quality brokers.
•	Recognized for developing new sales strategy and supporting loan structure tools related to current company offering that resulted in new business sales throughout North America. 
•	Due to quality of loans sourced in my portfolio, selected to remain as last RM in WI as the institution made multiple branch consolidations prior to announcing a North American exit, issuing a WARN Act notice effective December 3, 2007.

Automotive Finance Sales Manager								2003-2004
Recruited to assist HSBC brand identify reasons behind lackluster performance in the Wisconsin market among dealer groups throughout the state along with developing and leading a strategy to overcome obstacles to increase sales.
•	Discovered primary barrier to business was the lack of HSBC corporate understanding Wisconsin Marital Property laws. Subsequently, by working with HSBC legal, updates to policy allowed sales to increase 240% YOY.

Wholesale & Correspondent AE | Dealer Finance

St Francis Bank

Broker & Dealer Account Executive | Business Development Officer 2000-2002
Cultivated successful third-party partnerships with Mortgage Brokers and Home Improvement Dealers throughout Southeast Wisconsin to grow consumer Home Equity focused lending initiatives through a network of referral sources. 
•	Received multiple awards for developing, expanding, and strengthening banks’ referral sources and increasing loan volume. 

Series 6 Licensed Banker | Annuity Specialist | Personal Banker | Retail Banking Associate	1990-2000
Achieved multiple promotions throughout tenure due to sales and marketing acumen, and ability to train and mentor others while gaining first-hand experience in multiple facets of consumer lending, investment sales, and bank operations. 
•	National recognition for top 10% performance among all North American investment advisors in both 1998 and 1999. 
•	Achieved numerous awards annually resulting from ability to provide value-added solutions not centered on product sales.

Wholesale AE | Dealer Finance | Series 6 | Annuity Specialist

Dynamic results-driven commercial banking professional skilled in exceeding corporate client expectations with a record of success in multiple progressive leadership roles, including several major lines of business. Possessing a decisive yet collaborative style shareholder and stakeholder investments are maximized. Extraordinarily successful when integrating strategic change management disciplines, using a forward-thinking mindset to get ahead of issues. Ready to overcome barriers presented, resulting from numerous economic headwinds, to lead sound and strategic growth initiatives in a dynamic economic climate. 

With decades of experience working with corporate and commercial clients, I deliver comprehensive solutions meeting short- and long-term objectives of stakeholders and stockholders among a variety of ownership structures including multi-generational independent, PE owned, and Family Office investments. Exceptionally well positioned to meet corporate needs which foster growth, improve cashflow, increase efficiency, and mitigate risk.

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