Steven Kelley has experience which spans a broad range of establishing and leading commercial lending and portfolio mana...
STEVEN T. KELLEY, MBA Jacksonville, FL • 904-612-9520 •
[email protected]
SVP Commercial Lending Manager Experience spans a broad range of establishing and leading commercial lending and portfolio management teams as well as proven success in new business development, relationship growth and risk management. Specific expertise demonstrated in commercial real estate, community development lending and investing utilizing tax credit programs and dealer finance in addition to traditional small business and C&I lending. Recognized leader to build teams in difficult and competitive environments, mergers and acquisitions and demonstrated business planning and problem solving skills. Ability to see the “big picture”, with strength in identifying risks and opportunities, creating and executing process, goals and strategies to ensure long-term sustainable growth.
CUSTOMER-CENTRIC, STRATEGIC BUSINESS MANAGER and RELATIONSHIP BUILDER Utilizes an entrepreneurial spirit and analytic mindset to serve as a catalyst in identifying opportunities, pursuing goals, and refining organizational processes to thrive in various economic and highly competitive landscapes. Places emphasis on balancing profitability with risk management with emphasis on productivity and growth. Long-term thinker that cultivates trust-based relationships with clients and among team members across functional lines. Draws upon empowering leadership style to develop and motivate cross-disciplined, cross-geography teams for maximum performance.
PIVOTAL SKILLS New Business Development / Market Expansion Financial Modeling / Credit Analysis / Underwriting Strategic Business Planning / Data Analytics Influencing / Negotiating Due Diligence / Mergers and Acquisition Navigating Change through Complex Situations
. Relationship Building and Management Team Leadership / Coaching / Development Cross-Selling / Product Knowledge Risk Identification and Mitigation Crisis Management / Problem Resolution Establishing Process and Policy
Professional Experience Summary IBERIABANK – 2009 to 2014 Senior Vice President, Community Development Lending Manager (2012-2014) Senior Vice President, Florida Business Credit Services Manager (2009-2012)
CAPITALSOUTHBANK – 2008 to 2009 Senior Vice President – Jacksonville City President
SUNTRUST BANK – 2005 to 2008 Vice President, Special Assets Officer – Commercial Real Estate (2007-2008) Vice President, Senior Relationship Manager – Commercial Real Estate (2005-2007)
MADRIN CORP. d/b/a FastFrame – 2002 to 2005 Business Owner / President
BANK of AMERICA / NATIONS BANK SPECIALTY LENDING – 1998 to 2001 Senior Vice President, National Commercial Strategies Executive (1999-2001) Senior Vice-President, National Commercial Sales Manager (1998-1999) BARNETT BANK – 1991 to 1998 Various Roles in Commercial and Retail Banking, Credit and Treasury Management (CCM Designation)
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Steven T. Kelley
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Recent Achievements and Areas of Influence
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2012-2014 – Senior Vice President, Community Development Lending Manager:
ENHANCED OPERATIONAL EFFECTIVENESSS: Leveraged deep industry knowledge to establish and lead Community Development Lending and Investing efforts for a $13B regional bank, including creation of credit and investment policies. Formulated strategic plan to formalize process for managing tax credit investment portfolio, secondary support and funding sources for long-term debt, FHLB AHP grants, and operation of the Bank’s CDE. Efforts directly contributed to Bank’s success in raising CRA Lending Rating from Low Satisfactory to High Satisfactory.
MAXIMIZED PROFITABILITY AND MARKET FOOTPRINT: Positioned new Community Development Lending group to generate funding commitments for six LIHTC developments with $39.7M in debt and $46.3M in equity, providing 337 new / rehabilitated affordable living units across five states, as well as two FHLB AHP grants totaling $775K. Furthermore, established formal proprietary fund and limited partnerships with three syndicators (42 Equity Partners, R4 Capital, Enterprise Community Investment).
2009-2012 – Senior Vice President, Florida Credit Services Manager:
ACTED AS PERFORMANCE LEADER AND DRIVER OF CHANGE: Created and provided leadership to a team of 60+ associates, overseeing a $1.6B portfolio (commercial loan assets and OREO acquired through four failed bank transactions under Loss Share Agreements with the FDIC). Served as a valuable resource and partner during the integration process, building confidence with newly acquired customers and mentoring teams to embrace new organizational culture – essential to continuous improvement and seamless adoption of best practices.
ESTABLISHED LOAN WORKOUT CAPABILITIES TO MAXIMIZE INVESTMENT RETURNS: Led problem loan resolution strategies to achieve maximum recovery and minimum collection expense across the portfolio. Key driver in fostering performing existing relationships within the portfolio, restructuring and pricing to ensure retention and profitability, identifying cross-sell opportunities, and creating an overall positive corporate brand image. Diligent Loan Workout processes and documentation resulted in significantly lower level of losses than originally anticipated by the Bank and positioned the region as a benchmark in operational excellence.
2008-2009 – Senior Vice President, Jacksonville City President:
SERVED AS A BUSINESS TRANSFORMATION EXPERT: Orchestrated aggressive restructuring of troubled Bank assets in a stressed financial market. Led all business activity of a $145M Banking franchise comprised of three retail branches, with 17 employees and 9 direct reports. Provided guidance on Workout strategies for a $52M problem loan portfolio, while managing a $90M in performing assets. Effectively engaged in positive dialogue to retain business confidence and a productive working environment.
1998-2008 – Summary:
OPTIMIZED PERFORMANCE AND PRODUCTIVITY: Achieved consistent success in managing complex portfolios (concentrated on residential developers and builders), including problem loans, drawing upon expertise in assessing risk and formulating strategies to maximize recovery and reduce losses. Demonstrated advanced cross-selling and business development skills, the ability to work with diverse stakeholder environments and build strong and lasting client relationships.
DELIVERED BREAKTHROUGH RESULTS: Led start-up of National Strategies Unit providing commercial lending, retail finance, capital markets and treasury management products and services to large-scale RV and Marine dealerships nationwide, including sales and relationship management strategy. Grew the line of business to $1.4B in assets with over $3.8M of net interest income per month and an ROE surpassing 20% on a consistent basis.
Education
DBA, JACKSONVILLE UNIVERSITY, expected graduation date 2017 MBA, UNIVERSITY of WEST FLORIDA, 1991 BSBA - Accounting, UNIVERSITY of WEST FLORIDA, 1991 Leadership Development Program, ABA Stonier Graduate School of Banking, 2008-2009 (ABD)
Affiliations
Urban Land Institute (ULI) – Member of the Multifamily Housing Council for the State of Florida Economic Roundtable of Jacksonville
