Julie C Cummings
Senior VP Business Commercial Lending @Flagstar Bank
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WORK HISTORY
Senior VP Business Commercial Lending @Flagstar Bank
US
Senior Business Banking Commercial Manager for CA & New Jersey. Responsible for the acquisition, retention and expansion of business banking clients and prospects. Accountable for developing revenue growth through generation of loans, deposits and fee-based service deposits; cross-selling all applicable bank products /services sold. Responsible for leading, coaching and supporting business banking sales activities to promote business banking sales. Additionally, develop and maintain internal partnerships within Community Banking to include Market Managers, Branch Managers, Merchant Card Services, Mortgage, and Treasury Management and Payroll. Business Banking Loans to include -$10MM to include CRE, C&I, Partner Buy-Outs, Acquistions, ABL, Equipment financing, Construction lending & SBA lending.
EDUCATION
Cal State San Bernardino /Sacramento State
BA, Finance and Marketing
Cal State Univerersity San Bernardino
Bachelor of Business Administration - BBA, Finance, and Marketing General
Graduate School of UVA/ Furman University Retail Bank of Management
MBA/BA, Banking
SKILLS
ABOUT JULIE C CUMMINGS
With over 30 years of experience in the banking industry, I currently serve as Senior Vice President of Business Commercial Lending at Flagstar Bank. In this role, I focus on revenue growth through the acquisition, retention, and expansion of business banking clients. I specialize in generating loans, deposits, and fee-based service revenue while fostering internal partnerships across Community Banking divisions such as Market Managers, Treasury Management, and Mortgage. My expertise includes loan structuring and managing business banking loans ranging from to $10 million. I am committed to leading and coaching our teams to achieve success in sales performance and business relationship management by driving growth, retention, and profitability. My mission is to support my organization’s strategic goals and deliver exceptional financial solutions for our clients. Proficient in Sales Force CRM and Precision Lender Pricing models, I am focused on fostering collaboration and delivering impactful results in the commercial and business lending space.
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