(251) 555-0169 ◇ Mobile, AL
lenora.gaines@example.com ◇ linkedin.com/in/lenora-gaines ◇ lenoragaines.com
Business development officer with 9 years at community banks, bringing in commercial deposit and lending relationships across a 3-county market. Originated $64M in commercial loans and $48M in new deposits across 4 years, holds a 91% retention rate on relationships brought in, and ranks 1st of 7 officers on new relationships for 3 consecutive years. In banking, the officer title means the relationships are mine to find and keep.
Coursework in Commercial Banking, Credit Analysis, Financial Statement Analysis, and Business Law.
Also completed a 2-year graduate banking programme in 2023.
- Originate commercial deposit and lending relationships across a 3-county market for a bank with $1.4B in assets.
- Brought in $64M in commercial loans and $48M in new deposits across 4 years, ranking 1st of 7 officers for 3 consecutive years.
- Hold a 91% retention rate on 140 relationships originated, with 0 charge-offs on loans sourced.
- Managed a portfolio of 90 commercial relationships worth $38M in loans and $52M in deposits.
- Grew portfolio deposits 34% across 3 years by moving 30 relationships onto treasury management services.
- Held portfolio delinquency under 0.5% through 3 years including a period of economic disruption.
- Prepared about 120 credit memos a year on commercial requests from $250,000 to $8M.
- Completed 200 annual reviews across 2 years with 0 findings from loan review.
- Built the cash flow analysis template adopted across a credit department of 6.
Referral Network. Built a network of 40 accountants, attorneys, and commercial brokers who now refer about half of all new relationships, by referring clients to them first and reporting back on every introduction they made.
Deposit Growth Through Treasury Services. Grew portfolio deposits 34% at a previous bank by walking 30 business owners through their own cash handling and showing where treasury management saved them time, which moved their operating accounts.
Clean Origination Record. Sourced $64M in loans with 0 charge-offs by declining to pursue 20 prospects a year that the credit background from analyst years said would not hold up, which kept the underwriters as allies.
- Serve on the board of a regional chamber of commerce with about 900 member businesses.
- Volunteer loan committee member for a community development lender making about 30 small loans a year.
- Mentor 3 credit analysts a year who want to move into relationship roles.
- Lead business development for the largest of 3 markets and coordinate 2 relationship managers.
- Represent the bank on 4 community boards and at about 60 business events a year.
- Trained 5 branch managers on identifying and referring commercial opportunities.

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