Joe Shephard

About Joe Shephard

Greetings,The best investment one can make is in their future. Setting goals and making plans are important, but true success requires hard work, dedication, focus, and being action- oriented to achieve results.My name is Joe Shephard, and I am committed to being a strong and influential leader, inspired by the mentors and experiences that have shaped my personal and professional journey. I currently serve as a Vice President and Small Business Relationship Manager, bringing 18 years of experience in the financial service industry, including 9 years as a Senior Bank Manager. Throughout my career, I have taken great pride in developing my clients and employees, supporting their career growth, and fostering a culture of continuous achievement. Among my most rewarding experiences is my current role assisting business owners with cash flow management and business growth. I accomplish this by actively listening to their needs, understanding their challenges, and delivering value through tailored insights and solutions. My mission is to recommend products and services that meet customers needs today while preparing them for tomorrow. When asked which Comerica Core Values I hold most dear, I answered without hesitation: “The Customer Comes First.” I firmly believe that customers are the heart and soul of every business and maintain a strong customer focus is key to lasting success. In addition to my professional skills and experience, my charisma and optimistic, outlook empower me to build strong relationships, retain value clients, and attract new business aspect I walk into a financial center or an in-person client visit, I bring a contagious trusting disposition which uplifts my colleague or my business prospect.Thank you for taking the time to learn about my background and how I support small businesses in achieving their goals. To learn more about Comerica Bank you can visit or reach out to me directly: Email: j••••••••@comerica.com Phone: 58••••••87With service in mind,Joe Shephard “Make happy those who are near and those who are far will come.”-Ancient Chinese Proverb-

Experience

1. Vice President and Small Business Relationship Manager

   Comerica Bank

   Nov 2022 — Present · Macomb, MI, US

   Top Small Business Loan Producer for two consecutive years. In addition to driving lending performance, I identified knowledge gaps across assigned banking centers and developed targeted training and coaching to strengthen open‑ended business conversations and improve the identification of lending opportunities.Partnered closely with Retail Banking teams by managing incoming Small Business referrals, uncovering opportunities to acquire new clients, and deepening household relationships through extensive cross‑selling. This included referrals to Commercial Banking, Consumer Banking, Private Banking, Wealth Management, and other lines of business.Negotiated loan structures, terms, and pricing to meet client needs while ensuring profitability and risk alignment for the bank. Collaborated with Credit Center partners throughout underwriting, processing, closing, and ongoing portfolio management.Maintained thorough, risk‑based borrower discussions, proactively identifying adverse trends and providing timely recommendations to credit partners to support sound credit decisions.

Education

• Wayne State University

  Bachelor of Business Administration (BBA), Management

  2007 — 2012