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R. LON S. III
BANKING / LENDING EXECUTIVE
lending & business banking professional with proven leadership in
devising and implementing strategies to increase assets under management:
commercial lines, business loans, residential/commercial mortgages,
capital leases, & participations · Resultsoriented, decisive leader with
extensive personal/business network · Excellent communicator and innovative
problem solver · Adept at incorporating policies and controls
to ensure compliance with industry regulations · Critical change agent and skilled team
Fosters winning operational and customer service environments
Portfolio Management • Asset
Relationship Development • Credit Analysis • Underwriting
Operations Management • Audit • Regulatory
Risk Assessment •
Equity Financing • Commercial
Paper Structuring • Business Development • Financial Analytics
Vice President, Commercial Lending •
Columbus, Mississippi • Fullservice provider
of banking, trust, mortgage, and investment services with $.B in assets
Originated, serviced, and collected
complex commercial loans. Solicited new business and promoted bank services
to new and existing customers. Managed $M Portfolio of CRE, A&D,
C&I, Working Capital and Workout Credits.
Grew portfolio in a down market
by developing a subset of private banking within the medical & professional
services community that also contributed to an increase in bank loan
Salvaged impaired credits
by analyzing Risk Rate factors and creating workout plans to fit client
companies’ current level of cash flow and asset allocation.
Reduced losses and chargeoffs
by closely monitoring a commercial loan portfolio of A&D loans,
commercial equipment, commercial real estate, working capital, and other
Branch Sales Manager II/Business Banker •
Auburn, Alabama • Fullservice
provider of retail/commercial banking, trust, securities brokerage,
mortgage, and insurance products/services with $B in assets
Managed banking & lending
operations for Lee County main branch plus
four satellite locations. Managed $M
asset portfolio. Crafted programs and training initiatives to drive
sales and improve general operations. Ensured compliance with corporate
and government banking/lending standards.
Initiated comprehensive teller
and platform sales training, referral, and production tracking program
called “CharttheCourse” that helped drive loan production .%
with outstanding balance growth of almost % and net deposit growth
Facilitated integration of
newly acquired AmSouth banking operations, clients, and resources.
Devised and implemented a
Universityspecific marketing campaign for deposits and new accounts
parts of which are in use today in their college community marketing
Recognized for having four
of five locations qualify for CharttheCourse Chairman's Club of Excellence
using metrics for production of consumer/commercial loans, lowcost
deposits, new demand accounts, and investment dollars placed.
President/Assistant Controller •
Conville & Company, Inc.,
Birmingham, Alabama • Regional
commercial/residential real estate development, management, and sales
Directed person team of project
managers with $M construction loan portfolio. Coordinated accounts
payable/receivable and profitability reviews for each project. Oversaw
acquisition of fixed assets and other capital expenditures. Established
and nurtured relationships with correspondent financial institutions,
investors, stakeholder groups, and Board of Directors. Secured lines
of credit for operating capital.
Formulated strategy to separate
operation into three divisions and to subsequently divest two divisions,
construction and property management, to familyowned subsidiary for
$.M, which isolated operation focusing on mortgage and bridge loans.
Achieved +%, or $.M,
portfolio growth for calendar year .
CEO & Treasurer •
Birmingham Federal Employees’
FCU, Birmingham, Alabama • Federal
credit union with three Birminghamarea branches serving federal employees
Led teams of banking/finance professionals
to provide stellar customer service and expertlevel support to customers
across three branch locations. Devised/executed strategies to grow members,
increase assets/returns, and reduce operating expenses. Cultivated relationships
with Board Members, clients, and strategic partners. Prepared &
delivered monthly performance reports to Board of Directors.
Spearheaded transition from
National Credit Union Administration charter to Community Charter Designated
County that secured more than % membership growth in just over one
Launched fullservice real
estate lending initiative for conventional, FHA, and VA products with
subsequent asset sale that generated .% yearoveryear product line
Instituted an Indirect Automotive
Loan Program with Alabama Automotive Dealers Association.
Leveraged SBA Guarantee
Program to capture $.M in new commercial loans, which represented
% growth, in month time frame.
Deployed Visa Debit Card Program
in conjunction with implementation of first ATM terminal to drive interchange
and surcharge revenue almost %.
Directed organizational restructuring
to adapt to FedLine ebanking business model, which included design
and introduction of credit union website.
Honored as Credit Union
of the Year by the Alabama Credit Union League.
Operations Officer •
Birmingham, Alabama • Credit
union serving Sloss Industries; renamed Secure First Credit Union in
Oversaw all aspects of accounting/investment
activities, electronic fund transactions, and IT systems management.
Prepared/analyzed financial performance of $M operation to ensure
adherence to federal regulations. Planned and managed branch operating/capital
budgets. Trained and directed financial operations team in service delivery
Named Security Officer; selected
as Asset Liability Committee Board Member.
Accounting and Finance Team
Lead in system conversion to SYMITAR data processing platform.
Executive Vice President •
Eagle Realty & Mortgage
Corporation, Birmingham, Alabama • Provider of residential and commercial property
Managed loan origination, structuring,
credit analysis, and funding for residential and commercial mortgages.
Directed performance of affiliated regional mortgage bankers and independent
brokers. Ensured compliance with all federal and industry regulations.
Instituted Webbased application
tool to streamline application preparation and processing.
Branch Administrator/Business Banker • First Federal Savings Bank,
Commercial Credit Analyst / Credit
Colonial Bank, Birmingham, Alabama
Retail Administrator/Loan Officer/Special
Assets Officer • Jefferson Federal Savings and Loan,
Master of Science in
Bachelor of Science
in Business Administration/Organizational Management
Accounting & Corporate
Finance Dual Major
The Credit Union National
Association Southeastern Region Credit Union School
University of Georgia,
& Sales Development Programs
Dale Carnegie Training,
Institute of Financial
University of Alabama
at Birmingham, Birmingham, Alabama
Credit Counseling ~ HIPAA
~ Bank Secrecy ~ Check ~ Demand Deposit Accounts
Credit Analysis ~ AssetBased
Lending ~ Real Property Valuation
~ BAI Compliance Review ~ Consumer Lending Policy & Practice
SBA /A Business Lending
~ RMA Asset/Liability Management
Financial Statement Analysis
~ SelfEmployed Borrowing ~ Investor Accounting ~ Retail Administration
RMA Risk Management ~
Omega Credit Analysis ~ Omega Sales Development
of Accountants NSA
Association Associate Member
Risk Management Association