Joseph L. Annone
Senior Lead Commercial Underwriter Wealth Credit Services @Wells Fargo Private Wealth
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WORK HISTORY
Senior Lead Commercial Underwriter Wealth Credit Services @Wells Fargo Private Wealth
Orchestrated a high-value portfolio of wealth management clients involving complex credit underwriting, delivery, and management• Provided leadership and oversight for a team of four FTEs covering the Southeastern region (Georgia, Tennessee, Alabama, Mississippi, and Florida), personally acting as a credit liaison with a diverse array of clients• Fostered consultative client relationships to gain an in-depth understanding of their company’s structure and credit financing needs; provided advice on the deployment of credit to grow wealth in a tax efficient manner• Expanded the portfolio by designing strategic sales and marketing plans in collaboration with private bankers• Provided intensive training and coaching for private bankers to increase credit knowledge and embed a culture of risk management, transparency, and customer service in all aspects of their role• Structured complicated credit facilities to suit client needs while staying within established risk parameters • Tracked team performance and maintained compliance with all legal and regulatory requirements
EDUCATION
Indian River State College
Associates
Florida Atlantic University
Bachelor of Business Administration - BBA
Florida Institute of Technology
Master of Business Administration - MBA
ABOUT JOSEPH L. ANNONE
Throughout my career as dedicated Credit Management Professional, I have cultivated a reputation as a highly effective sales leader, client advocate, big-picture thinker, and innovative problem solver who can have a transformational impact on portfolio performance. I possess a unique blend of interpersonal awareness, analytical skills, and strategic planning ability, with a passion for making complex credit decisions and collaborating with cross-functional teams to drive client satisfaction. As a people-focused banker, I seek to foster long-lasting client relationships by gaining a detailed understanding of their needs and acting as a trusted partner in all aspects of commercial financing. As a leader, I focus on building a culture in which all employees can thrive, based on foundational elements of sales excellence, collaborative teamwork, comprehensive financial product knowledge, and a strong competitive spirit. I find the process designing custom credit solutions and seeing the positive results on my clients business and wealth building strategies to be an incredibly rewarding experience - as such, I bring unrivaled energy and enthusiasm to my work. With equal focus on delivering value to clients and the bank, I can communicate with cross-functional teams and leadership peers to ensure that credit risk policies and internal processes are consistently aligned with high-level corporate objectives. As best practices in wealth management and credit underwriting are always evolving, I devote myself to continuous learning so I can stay ahead of emerging innovations. During my career at institutions such as Wells Fargo, Wachovia Bank, SouthTrust Bank, and Nations Bank, I have been consistently recognized as a top performer and change maker, with a strong combination of analytical acumen and client communication skills. If you are interested in joining my professional network and hearing more about my story, please send me an InMail message or contact me directly at j••••••••@yahoo.com Key Strengths: Commercial Lending | Wealth Management | Private Banking | Underwriting | Client Relationship Management | Portfolio Management | Strategic Communications | Risk Management | Sales | Stakeholder Communication | Client Onboarding | Interpersonal Awareness | Negotiation | Problem Solving | Analytical Skills | Credit Analysis | Asset Management | Commercial Banking | Finance | Financial Analysis | Leadership | Coaching | Mentoring | Process Improvement | Client Solutions | Consultative Sales Tactics | Cross Selling | Collaboration | Territory Management
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