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William M. Stephens

South Huntington , NY,11746 516-885-4020 WStephens2@mac.com

Summary Statement
Senior Relationship manager with extensive experience in portfolio management. Recognized Credit
underwriting skills of C & I financing, equipment financing and Commercial Real Estate to Small Business
and Middle Market companies. An experienced commercial manager with strong banking skills, excellent
product knowledge and the ability to properly comply with risk and regulatory policy while entertaining new
credit requests. Proven track record of maximizing corporate profits through the implementation of cost
cutting solutions
Experience
Capital One Bank, Melville, NY 2013 - 2014

Senior Vice President
Manage a Commercial loan and Deposit Portfolio comprised of small to mid sized companies. Increase
portfolio profitability and production. Source new clients. Manage credit requests
Provide bank products to resolve client needs
Increased Portfolio profits 25% through new acquisitions and implementation of effective cost
cutting policies
Improved overall portfolio quality by administering improved credit structure of problem
relationships
Reduced potential loan losses by improving credit quality through restructuring of relationships
acquired through mergers and acquisitions
Conducted portfolio reviews and identified new Sales opportunities to grow balances, and cross sell
bank products

JP Morgan Chase, New Hyde Park, NY 1989 - 2013

Vice President
Senior Relationship Manager Managed a Credit portfolio comprised of Commercial relationships whose
revenues were between $3-$25MM. Developed a portfolio comprised of Credit, Deposit, Treasury and
Merchant products. Served as a trusted advisor to clients, providing products and expertise to resolve their
financial needs
Credit Approval Officer- Cultivated Credit relationships for the Suffolk Region comprised of 48 branches.
Structured and Approved Commercial loans comprised of both short and long-term facilities. Monitored all
Borrowing Base Facilities, C & I financing, Equipment financing, Commercial Mortgages and Construction
financing. Initiated documentation changes, adjusted loan verbiage interacting with Legal, acted as the
banks legal representative at commercial mortgage closings. Monitored problem credits, reporting to Sr.
Risk potential client risk changes
Middle Market Account Officer- Managed a portfolio of Middle Market clients with revenue between
$10MM- $100MM for both the Queens and Brooklyn Markets

Consistently Increased relationship and portfolio profitability year over year an avg. of 130%
through new acquisitions, fee generation and cost cutting initiatives
Through new business development and client cultivation developed one of Business Bankings
largest Credit and Deposit Portfolio ranking 6th in profitability out of 465 Nationwide
Ranked #1 for LI Region in Credit and Treasury Sales 2012
Ranked #1 in 2012 in Equipment financing
Ranked #2 in 2012 in SBA lending
Managed LIs largest Credit Portfolio with 0 loan losses historically
Financed NYS largest Urgent Care facility providing $8MM in financing comprised of 15 medical
practices
Managed Business Bankings largest customer whose growth went from $5M in revenue to $84MM
annually-providing $10MM in financing generating $187M in annual Bank Profits
Closed all Commercial Mortgages representing the Bank without Attorneys on all mortgage
closings
Recognized as a member of the SBA Million Dollar Club, and collaborated with NYBDC on
numerous facilities

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Citibank, NYC, NY 1982 - 1989

Vice President
Middle Market Account Officer- Managed the Midtown Credit portfolio.
Provide portfolio growth through cost reduction and product sales

Managed over 140 credit relationships
Improved portfolio profitability and ranked a top producer of credit and product sales

NY Life Insurance, NYC, NY 1978 - 1982

Agent
Licensed to sell Life, Health, Disability and Group Insurance Programs

Member of the Million Dollar Club


Education, Professional Development and Training

BS Business, Bernard Baruch College - NYC, NY

Formal Credit Training