Phil Heberling

About Phil Heberling

I am a Business Banking Relationship Manager specializing in providing banking solutions for companies with annual revenues from $3 million to $100 million. I am responsible for the acquisition of new business relationships through a wide range of business lending, cash management, deposit solutions and international trade financing, along with the growth, retention and risk management of existing client portfolios. Financing options include term loans, equipment financing, commercial mortgages and working capital lines of credit.

Experience

1. Vice President Relationship Management

   First Bank

   Jun 2018 — Present

   I am a Commercial Relationship Manager specializing in providing banking solutions for companies with annual revenues in the $3 to $50 million range. I am responsible for the acquisition of new business relationships through a wide range of business lending, cash management, deposit solutions and international trade financing, along with the growth, retention and risk management of existing client portfolios. Financing options include term loans,equipment financing, commercial mortgages and working capital lines of credit.

Education

• Millersville University of Pennsylvania

  BA

  1985 — 1991

Skills

• Underwriting
• Consumer Lending
• Mortgage Banking
• Retail Banking
• Commercial Lending
• Trade Finance
• Deposits
• Asset Based Lending
• Commercial Banking
• Coaching
• Portfolio Management
• Loans
• Small Business Lending
• Loan Origination
• Commercial Mortgages
• Finance
• Credit
• Credit Risk
• Cash Management
• Banking
• Risk Management
• Cross Selling
• Financial Services
• Credit Analysis
• Mortgage Lending
• Lines of Credit