Summary
Overview
Work History
Education
Skills
LANGUAGE
Community Service
Timeline
Generic

Blake Cottle

Columbia

Summary

Record of success in loan products and customer engagement strategies. Pursues opportunities to build connections, increase bank revenue and cement loyalty. Highly skilled loan officer with expertise in data accuracy and security. Hardworking professional with over 10 years of assisting clients, scheduling payments and reviewing credit histories. Knowledgeable in all credit procedures. Never says ‘no’ without offering an alternative solution. Business-focused and results-driven.

Overview

11
11
years of professional experience

Work History

Owner/Operator

Cottle Automotive Repair Inc
08.2023 - Current
  • Increased annual sales from $900 thousand to $1.6 million currently
  • Preform all business, financial, and customer service functions and hire/ train all staff.
  • Used my years of sales experience to acquire new customers personal & business.
  • Kept sales records, maintained POS systems and preform all accounting and financial forecasting functions.

Vice President, Commercial Lending

Equity bank
06.2019 - Current
  • Company Overview: Company Overview: Financial Service With annual revenues of $400M
  • Hired and charged with managing a commercial loan portfolio worth over $37 million, mainly focusing on analyzing all commercial and agricultural loans.
  • Handled all lending functions such as risk management and compliance, business development, credit analysis and underwriting, deal structuring, presentation for loan approvals, facilitating loan closings and ongoing relationship management.
  • Impact: Successfully grew the loan portfolio to $7M and 3.5% annually by implementing an overall improvement in the loan department and worked with high-level executives to develop strategies that bring in an extra $1.5M in bank deposits each year.
  • Successfully acquired an understanding of the PPP loan process during COVID and issued $8 million in loans to people in order to help them with economic instability caused by the pandemic.
  • Managed a commercial loan portfolio of $37M and a business deposit portfolio of $1.5M and ensured customer satisfaction and cross-sales between all banking partners.
  • Effectively builds relationships within the community and expertly guides customers through loan processes from start to finish.
  • Responsible for increasing fee and non-interest-bearing income to hit the bottom-line revenue goals.
  • Financial Service With annual revenues of $400M

Commercial & Agriculture Lender

Callaway Bank
12.2020 - 08.2023
  • Hired and charged with managing a commercial & agriculture loan portfolio worth over $25 million, mainly focusing on analyzing all commercial and agricultural loans.
  • Handled all lending functions such as risk management and compliance, business development, credit analysis and underwriting, deal structuring, presentation for loan approvals, facilitating loan closings and ongoing relationship management.
  • Built and maintained strong relationships with over 100 clients, resulting in high customer satisfaction and retention rates.
  • Negotiated loan terms and conditions for complex agriculture & commercial loans.
  • Collaborated with cross-functional teams to develop customized financial solutions, streamlining the loan servicing process.

Loan Officer

First State Community Bank
06.2017 - 06.2019
  • Company Overview: Company Overview: $25M Community Bank
  • Employed as the first ever internal loan officer, responsible for establishing and growing the entire lending culture while driving lending in the community; Became the primary person in the bank, in mortgage, commercial, consumer and agriculture matters.
  • Impact: Successfully managed a $7MM loan portfolio, amassed over $850,000 in deposits and generated over $35,000 in non-interest-bearing income.
  • Initiated and underwrote $4M in commercial and agriculture loans/lines of credit to local businesses, farmers, for-profit organizations, and non-profits.
  • Managed and expedited the loan closing process by carefully examining loan documents and communicating with borrowers, title companies, and attorneys.
  • Recommended timely loan approvals and denials based on customer loan application reviews by loan committee.
  • Originated, reviewed, processed, closed and administered customer loan proposals.
  • $25M Community Bank

Loan Coordinator

Providence bank
02.2015 - 08.2018
  • Company Overview: Company Overview: $468M Financial Bank
  • Hired and achieved over 100+ banking services in less than a year and then promoted to actively get involved in managing a large portfolio of commercial loans.
  • Built relationships and developed new loan opportunities in Columbia, MO.
  • Collated all supporting documents while ensuring loan documents are complete with accuracy and proficiency.
  • Leveraged sound communication and interpersonal skills to build long-lasting relationships.
  • Handled customer complaints with relative ease by conducting research, listening carefully and taking appropriate action.
  • $468M Financial Bank

Education

BS - Business Administration, Mixed Course between Finance, Accounting, Marketing and Overall Business Courses

Columbia College
Columbia, MO

AA - General Agriculture

Moberly Area Community College
Moberly, MO

Skills

  • Negotiation/Persuasion
  • Loan Portfolio Management & Risk Management
  • Communication & Problem Solving
  • Business Development & Credit Analysis
  • Relationship Building & Regulatory Compliance
  • Commercial/Consumer Lending
  • Leadership/Management

LANGUAGE

Englishaspsoe_nerdinfographic_0_4.5
Advanced

Community Service

President, Marshall Rotary Club, 2019-2020, Board Member & President, Mid-Day Optimist, 2019-2020, President, Board Member, United Way of Saline County, Chairman, Delta Waterfowl – Lafayette & Boone County Chapter

Timeline

Owner/Operator

Cottle Automotive Repair Inc
08.2023 - Current

Commercial & Agriculture Lender

Callaway Bank
12.2020 - 08.2023

Vice President, Commercial Lending

Equity bank
06.2019 - Current

Loan Officer

First State Community Bank
06.2017 - 06.2019

Loan Coordinator

Providence bank
02.2015 - 08.2018

BS - Business Administration, Mixed Course between Finance, Accounting, Marketing and Overall Business Courses

Columbia College

AA - General Agriculture

Moberly Area Community College

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