Ray Skawinski

About Ray Skawinski

Executive offering financial operations and people management skills; solid analytical skills and expertise serving as a point of contact regarding decisions and areas of risk. Identify new opportunities and develop existing client base; initiate development of new relationships. Strong interpersonal, communication, presentation, organizational and planning skills. Recognize problems and make changes that positively impact people and operations. Gain buy-in, break down barriers, and embrace change.~ Serving as VP at Century Bank rebuilt the Merchant Services resulting in growth and a 500% increase in profitability in less than 3 years. Previously, program served as an \"add-on\" for customers that could use it; with change, program became a revenue source. Created new vendor relations that improved service and pricing, and product spectrum. Established pricing model as a sales tool to demonstrate savings to customers.~ As the SVP for the First Commercial Bank of Florida closed more than $15M in new business during first year. Established strong relationships, networking, and creation of a referral base to expand and maximize both new and existing relationships. Recognized by the Chairman of the Board for continued business development service during a significant downswing in the economy.~ As the SVP at First Commercial Bank restructured a $3.5M loan and negotiated credit to add limited guaranty of a wealthy project investor. Federal Reserve required classification of loan and an 11% write-down after bank exam leading to further negations to sell the loan to the investor with a $200K discount allowing bank to take $150K recovery. Action took place in 2009 when common discounts for troubled loans ranged between 40-50%.~ As the VP for Century Bank created and launched credit training program. As bank grew and hired more junior lenders, set up and facilitated a credit underwriting training program to help develop and establish quality relationships. Specialties:## Areas of Expertise ## Multi-Site Operations & Financial Management Risk Analysis Budgeting and P&L Business Development Products & Services Cross-Functional Leadership Creative Problem Solver Process Improvements Talent Management Change Management Strategy Planning & Execution Compliance & Best Practices Community Relations Policy Development & Execution

Experience

1. Vice President

   Organic Farms Vitamins

   Apr 2018 — Present · Orlando, FL, US

Education

• University of Wisconsin-Madison

  BS

Skills

• Real Estate
• New Business Development
• Analysis
• Underwriting
• Banking
• Credit
• Sales
• Loans
• Management
• Credit Analysis
• Finance
• Training
• Leadership
• Commercial Lending
• Mergers & Acquisitions
• Consumer Lending
• Business Development