Todd Freedman

________________________________________
1322 Tweed Willow Home: 210.710.9280
San Antonio, Texas 78258 E-mail: tfd78bc6@
westpost.net
________________________________________
Respected revenue producer with expertise in business development, sales, accoun
t management, customer service and facility management in high demand financial
organizations. Extensive experience building and developing strong customer rel
ationships that lead to increased revenue. Skilled at monitoring profitability
trends and upholding operational compliance with industry regulations. Strong a
nalytical skills to assess risk along with intense collection experience to limi
t losses.
PROFESSIONAL STRENGTHS
Business Development Credit Analysis Relationship Management Data Analysis
Regulatory Compliance Collections Product Sales Facilities Management
Portfolio Management Problem Solving Debt Negotiation Account Management
SELECTED ACHIEVEMENTS
* Led commercial lending activities for a $600 million community bank in a highl
y competitive market. Managed existing loan portfolio and developed relationship
s to ensure account retention. Identified prospects and made presentations on d
iverse loan products to acquire new commercial customers. Performed analyses to
underwrite complex loans. Monitored $31 million loan portfolio consisting of res
idential, hotel, and retail center construction, land development, and commercia
l lines of credit. Navigated major procedural changes and maintained customer co
nfidence after a corporate buy-out and consolidation. RESULTS: Grew deposits b
y $2 million and loans by $15 million over two years.
* Assisted with operational oversight of a branch bank facility. Consulted on r
esolution of diverse operational problems. Managed escalated customer concerns.
Participated on interview teams to hire new staff. RESULTS: Branch was consiste
ntly ranked the best performing location in the market.
* Retained critical customer portfolio during a period of extreme corporate and
industry turmoil. Capitalized on strong relationships with customers to maintai
n trust in the organization. RESULTS: Maintained portfolio quality with minimal
loss of customers while all other market branches lost 50% of their business.
* Managed commercial loan portfolio for a $4 billion bank. Collected and analyze
d financial data in response to a $25 million loan request. Researched market d
ata on the local home building industry. Prepared and delivered loan presentati
on to senior loan committee approval. RESULTS: Credit was approved and the loa
n was one of the largest booked at the bank that year.
* Led collection efforts on problem loans for eight branches of a $7 billion ban
k. Conducted extensive research for loans involved in bankruptcies, foreclosure
s, and repossessions. Coordinated with legal counsel on best choices to mitigate
risk. Developed positive customer relationships and provided education on loan
options and obligations. Devised practical workout strategies and secured custo
mer compliance. RESULTS: Collected $200,000 in one year. Recognized with compan
y's annual Sales and Service Award for outstanding contributions: top 25 perfor
mer out of 305 employees.
* Spearheaded the collection efforts of a car dealership in default. Conducted
a search to locate collateral scattered throughout the market. Coordinated the r
epossession of 50 vehicles. Inventoried all collateral in preparation for a bank
auction. RESULTS: Sold all recovered collateral at auction, avoiding $500,00
0 in potential loss.
PROFESSIONAL EXPERIENCE
FIRST COMMUNITY BANK, N.A. 2007 - 2010
Assistant Vice President, Commercial Loan Officer, San Antonio, Texas
THE LAREDO NATIONAL BANK, BBVA GROUP 2004 - 2007
Commercial Loan Officer, San Antonio, Texas 2004 - 2007
Credit Analyst, San Antonio, Texas 2004
ARVEST BANK GROUP 1999 - 2004
Loan Workout Officer, Fayetteville, AR 2000 - 2004
Financial Services Representative, Fayetteville, AR 1999 - 2000

EDUCATION
BSBA, Accounting, University of Arkansas, Fayetteville, Arkansas