Teresa Tharp Baker's Resume (Last updated July 7th 2008)

During my early career, I was a successful Commercial Banking Lender, Team Leader, and Credit Specialist. I took a brief sabbatical to spend more time with my children and undertook an entrepreneurial endeavor in which I had the opportunity to study Applied Psychology and enhance my presentation, observation, and sales skills. During the last three years, I have focused heavily on employee training and development, sales technique training, credit quality, loan policies and procedures, regulations, and portfolio management issues such as CRE concentrations, underwriting standards, risk identification/mitigation, stress testing, credit review, and market analysis. Overall, during my fifteen years of Commercial Banking experience, I have excelled at:

• Developing new business and cross-selling
  

• Managing a commercial loan team
  

• Underwriting credits throughout Florida
  

• Performing pre-acquisition due diligence
  

• Writing bank-wide policies and procedures
  

• Managing a commercial portfolio of work-out credits
  

• Creating and implementing a two-step, twenty-four month relationship manager training program
  

• Researching regulations and inter-agency guidelines
  

• Writing and revising policies and procedures in light of evolving regulations and guidelines
  

Professional Training:
Dale Carnegie How to Sell Like a Pro, 2008;Getting to Yes; Consultative Sales Techniques; Excel Advanced 2 and 3, Lorman's Reading and Understanding Financial Statements, Lorman's A Systematic Approach to Expanding Your Personal and Business Networks, Lorman's Risk Guidance on Commercial Real Estate Concentrations, Microsoft Access, Basics through Advanced, FBA Employee Relations - Bringing Out The Best In People, FBA Finding True Leaders in your Organization, FBA Best Practices of Commercial Lenders, and Afterburner's Flawless Execution.

Prior Activities

• Brevard Montessori Private School, Inc. - Founding Board Member and Chair of Planning Committee - Lead a team of volunteer parents in the establishment of a 501(c)3 School; obtained licensing, drafted corporate documents, policies and procedures, employment contracts, projections, budget and Board Handbook. Assisted in Fundraisaing and Marketing.
  

• Crosswinds Youth Services, Inc. - Board of Directors
  

• United Way of Brevard County - Funding Allocation Committee
  

• Indialantic and Sea Park Elementary School Parent, Teacher and, Student Organization Member and School Volunteer for the Student Enrichment Program, Media Center, and Accelerated Reader Program; also served as a Writing Center Tutor.
  

• Various Dance Organizations - Coordinated schedules, communications/newsletters, and volunteer functions for marketing, organiztion, and back stage management.
  

Recurring Supporter

• South Brevard Junior League Festival of Trees, the Harid Conservatory of Dance, and the Space Coast Ballet.
  

Current Member

• Space Coast Ballet Guild and Hoover Junior High School Parent, Teacher, and Student Organization.
  

Finance, Trainer, Management, Leader, Detail Oriented, Analytical, Problem Solver, Underwriting, Commercial Lending, Regulations, Policies, Proceedures, Interpersonal Skills, Verbal Skills, Written Communications, Presentation Skills, Professional, Business to Business, Accuracy, Project Planning, Project Implementation; Workflow Efficiency, Developing Course Materials, Creating Training Programs, Cross-Selling, Collaborative; Instructional Design; Effective Communicator, Clear and Concise Technical Writer; Business Process Improvement; Cohesive Corporate Culture; Human Resource Asset Management; Independent; Facilitator;