CLIFFORD H.

FORD
Phone: (386) 237.8906
Email: cford8889@aol.com

Parrish, Florida 34219

C OMMERC I AL R ELATI ONSH I P M ANAG ER

Proactive, seasoned and results-driven professional, demonstrating expertise and broad ranging experience in commercial
real estate lending, commercial and industrial lending, problem loan administration, and private banking. Track record of
success in aggressively increasing market share and driving profit margins to new heights by successfully prospecting for
new business/accounts and retaining and expanding existing client relationships.
Experience managing a portfolio of commercial banking relationships providing consultative advice and products and
services to meet customer's needs and enhance and expand banking relationships. Equipped with advanced knowledge of
credit and credit quality, bank products and services, accompanied with strong relationship management and business
development/sales skills.

KEY STRENGTHS & EXPERTISE

Credit Portfolio Management
Strategic Planning/Analysis
Consultative Sales

New Business Development

Relationship Management
Operations Management

Account Management
Credit Analysis
Problem Analysis/Resolution

Produced the growth strategies that facilitated loans, deposits and fee income, prompting a significant increase in
revenue and above industry credit quality standards
Spearheaded efforts to reduce problem loan portfolio from $250MM to less than $75MM in a three year period
Provided "hands-on" operating and financial leadership in commercial lending function within a private banking
environment, increasing outstanding loan balances from approximately $2 million to in excess of $225 million over a
six year period
Acknowledged for outstanding contributions in establishing a strong market presence in the Southwest Florida
market

E XPERIENCE & ACCOMPLISHMENTS

GATEWAY BANK SOUTHWEST FLORIDA Bradenton, Florida 2014
VICE PRESIDENT, COMMERCIAL LENDING
Oversaw the commercial lending and collection activities, evaluation of lending/pricing strategies, and assessment of
Commercial market in Manatee County.

Formulated and implemented business development strategy to build a pipeline of commercial banking prospects,
resulting in closed loans of $6MM.

Closely monitored and analyzed economic conditions affecting the independent commercial lending operation in
Manatee County, and recommended appropriate action or direction.
SUNTRUST BANK Sarasota, Florida 2013-2014
VICE PRESIDENT, COMMERCIAL LENDING
Managed and maintained $39MM loan portfolio and deposit portfolio of $37MM.

Noted for creating lending strategies and executing business development efforts which generated $8MM in new loans.
Directed and supervised cross-functional teams to ensure successful execution of projects and services and to meet
current market conditions and client needs.
BB&T (COLONIAL BANK) Palm Coast & Sarasota, Florida 2008-2013
VICE PRESIDENT, ACQUIRED ASSET GROUP
Reviewed and analyzed business, industry and structural risks, potential returns and other significant banking
opportunities to provide resolution recommendations.

Significantly reduced portfolio of non-performing assets from $250MM to under $75MM.

Received FDIC approval of all resolutions under a loss share agreement.

CLIFFORD H. FORD
Continuation
HUNTINGTON BANK Naples, Florida 1992-1999
VICE PRESIDENT, PRIVATE BANKING
Developed and implemented commercial lending program within the Private Financial Group and personally generated a
loan portfolio with $227MM in outstanding principal balances.

Established and maintained full service relationships with high income/high net worth private banking clients.
Acknowledged for significantly exceeding goal by generating annual loan fees of over $700M.
Opened new office in Sarasota and developed a network of contacts in the business community which established
market presence.
BARNETT BANK Jacksonville, Orlando & Bradenton, Florida 1982-1992
ASSISTANT VICE PRESIDENT, COMMERCIAL REAL ESTATE LENDER
Initially hired as Management Associate and promoted to Assistant Vice President, Commercial Real Estate Lender through
excellent performance and contributions to the business.

Oversaw the real estate loan origination and fulfillment activities and managed the accuracy and completion of all loan
reporting functions, ensuring compliance to federal law, state law, and regulatory requirements.

Identified and managed opportunities to improve client service, reduce error rates, and effect regulatory changes.
Successfully completed formal credit training as part of Management Associate program.

E DUCATION
BACHELOR OF ARTS, MAJOR IN MARKETING
UNIVERSITY OF SOUTH FLORIDA