Derek Staples

• Strengthened client relationships by providing personalized financial solutions and expert advice.
• Increased cross-selling opportunities for additional bank products through consistent communication with clients.
• Improved portfolio performance by monitoring risk factors and conducting periodic reviews.
• Enhanced customer retention rates through proactive relationship management strategies.

Actively deepens existing customer relationships through routine calling activity and develops new Business Banking relationship opportunities through business development activities. Responsibilities include originating scored credit requests up to $250,000 (with Equipment Finance lending up to $500,000) and selling products/services such as business deposit products, treasury management products, business credit cards and payment solutions, as well as all other suitable solutions as appropriate. Appropriately handles Business Banking customer service issues in assigned portfolio. Actively manages relationships with branch and business line partners and refers clients to Business Banking partners and/or other U.S. Bancorp areas for additional needs.

• Responsible for the administration and efficient daily operation of a full-service branch office, including operations, audit & compliance, product sales, customer service, cash control, security, and safety in accordance with the company's objectives
• Ensures the performance of all duties in accordance with the company's policies and procedures, all U.S state and federal laws and regulations, wherein the company operates
• Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the team including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training
• Works with staff to ensure excellent customer service and sales
• Leads staff to accomplish company goals
• Identifies and implements marketing strategies and plans events to support sales
• Meets with potential, new, and existing customers outside the office for lunches, sales calls, and on-site visits to foster relationships
• Expand the branch's customer base and branch profitability
• Participates in community affairs to increase the company's visibility and to enhance new and existing business opportunities
• Interview loan applicants
• Collect and analyze financials, conduct site visits and review other supporting data determine creditworthiness of the applicant
• Responsible for review of loan agreement, and proper lien documentation, filing, and perfection, to ensure the protection of the bank's interest

Enforce bank regulations and oversee bank security measures. Monitor branch financial activities, performing audits, reviewing reports, and managing cash levels. Work to gain and retain customers by maintaining high standards of customer service.

Built relationships with customers by meeting face to face and engaging them when and where they need to provide the best possible counsel. Strong client relationships are based on trust, assessing and attending to customers’ banking needs, obtaining and processing customer and account information, educating clients on available deposit and loan products and services, and recommending financial solutions based on each customer’s unique goals and needs. They are also responsible for originating and closing consumer loans, opening accounts, and opening and/or closing the branch.

• Completed and administered a variety of assignments through on-site examinations, visitations or investigations of state chartered depository or state licensed non-depository financial institutions to evaluate and determine safe and sound operating practices in accordance with state and federal statutes
• Performed analysis and recommended ratings of financial institutions' overall performance regarding capital adequacy, asset quality, earnings, liquidity, sensitivity, compliance with legal and management requirements, etc
• Analyzed, evaluated, and classified assets with particular consideration to nonperforming assets, complex investment products, and higher risk types of lending, such as nonhomogeneous commercial loans
• Evaluated performance of financial institutions' executive management and boards of directors with emphasis on the adequacy of systems used to identify, measure, monitor, and control institutional risks, and communicates recommendations for improvement
• Researched state and federal statutes and other applicable statutes to identify potential violations of the law
• Developed recommendations for supervisory and enforcement actions, and assesses financial institutions' compliance with such actions
• Reviewed and analyzed financial institutions' overall credit, liquidity, market (typically interest rate) and other risks relative to the adequacy of earnings and capital levels

• Directed staff to insure each department's responsibilities and standards was completed
• Conducted sales training sessions for new and existing staff on topics such as product knowledge, handling pricing objectives, in-store merchandising, sales proposals, marketing/advertising, time management, and building customer relationships
• Hired and trained entire staff, oversaw inventory levels and established procedures and policies
• Analyzed sales figures and forecasted future sales volumes
• Orchestrated remolding of the store layout and merchandised designs of the displays
• Controlled scheduling and payroll, and performed entrance interviews

• Conducted financial needs analysis and recommended appropriate products to meet client's needs
• Delivered sales presentations to potential clients and assisted them throughout the completion of application process while building client relationship
• Educated and sold clients products such as life insurance, long term care, disability, and annuities
• Adept in creating, developing and executing short- and long-term financial strategies customized to meet client needs in a profit driven, customer focused environments