D. Liles Lipe
Lafayette,CO
Overview
26
26
years of professional experience
Work History
Senior Relationship Banker
First Western Trust - Boulder Profit Center
03.2014 - Current
- Senior Vice President responsible for growing new business and entrepreneurial relationships to include loans, deposits, TM, investment management, trust and retirement assets
- Grew current book of business from $0 to $100MM in new loans since employment, balanced between C&I, Commercial Real Estate and Investment Secured lines
- Currently manage $110MM portfolio
- On average, grow net new loans $16MM, deposits $8MM and new investment management $5MM per year
- 2021 production was $22MM in new loans, $10MM in new deposits and $6MM in new AUM
- 2022 closed $26MM in new loans
- Recruited a new client that brought over $20MM in deposits in 2022
- 2023 grew net new loans by $10MM and deposits by $11MM
- The loan portfolio is ~55% C&I, with the remainder being CRE and construction loans
- In 2022 and 2023 continued to proactively meet with existing clients to maintain and grow existing relationships, particularly deposits
- Successfully exited ~$6MM in below market loans, replacing them with market rate loans
- Manage the lending team in Boulder that consists of 2 VP lenders, 2 analysts and $312MM in outstanding loans
- Maintain regular contact with Centers of Influence consisting of existing clients, CPA's, RE brokers and attorneys.
- Strengthened client relationships by providing personalized financial solutions and exceptional customer service.
- Increased cross-selling opportunities through identifying clients'' needs and recommending appropriate banking products.
Vice President, Senior Relationship Manager
Flatirons Bank
03.2011 - 03.2014
- Responsible for growing the bank's assets and liabilities as well as cross selling fee generating bank products
- Closed $5.2MM in new outstanding loans in the first year, $525M in new deposits and $32M in fees
- Instrumental in the development of new depository and loan products
- Consistently have zero past dues loans and loan exceptions
- Actively participate in local activities to stay invested in the community and in contact with prospects and centers of influence
- Actively recruit and call on new prospects via referrals from current customers, centers of influence and warm/cold calling.
- Enhanced company profitability by implementing strategic business plans and optimizing operational processes.
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
Vice President - Commercial Loan Officer
Guaranty Bank and Trust Company
01.2007 - 03.2011
- Inherited $10MM in loans and $2MM in deposits; grew the loan portfolio to $30MM and deposits to $10MM
- Strategically repositioned the portfolio to minimize real estate risk; decreased loans to $18MM
- Diversified the loan portfolio with more C&I credits and Home Equity products
- Increased the interest rate spread on the portfolio to 5.65%
- Consistently had zero past due loans and loan exceptions
- Diligently monitored the performance of customers to identify weaknesses and accurately risk rate the credits.
- Enhanced company profitability by implementing strategic business plans and optimizing operational processes.
- Led cross-functional teams for the successful completion of major projects, resulting in increased efficiency and client satisfaction.
Vice President - Commercial Loan Officer
Rocky Mountain Bank
02.2006 - 09.2006
- Reported directly to President, Chairman/CEO
- Booked $26MM in new commercial loans which included commercial real estate, residential construction, commercial construction and asset-based lending
- Cross-sold banking deposit products
- Utilized relationship with FTN Financial, a Division of First Tennessee Bank, N.A., on large loan participations
- Improved investment income by introducing Trust-Preferred Securities to the bank's portfolio.
Correspondent Banking Department, Account Representative
FTN Financial, a Division of First Tennessee Bank, N.A.
03.2003 - 02.2006
- Managed $50MM Portfolio
- Analyzed bank holding companies for participation in the FTN Trust Preferred Securities Pool
- Performed due diligence on bank holding companies for credit extensions
- Worked with customer banks on the purchase of participating loans which included commercial real estate, commercial construction and multi-phase residential construction loans
- Credits from $500M to $25MM.
Assistant Vice President - Commercial Loans
Metropolitan National Bank
09.2000 - 02.2003
- Inherited and managed portfolio of $8MM
- Grew Portfolio to $30MM
- Loans included commercial real estate, asset-based loans and C&I
- Identified new customers and successfully cross-sold deposit products
- Credits from $100M to $1MM.
Industrial Revenue Bond Department, Account Representative
Arkansas Department of Economic Development
08.1998 - 09.2000
- Performed credit analysis on large manufacturing companies in the state to participate in the Industrial Revenue Bond Program
- Managed $40MM portfolio
- Developed and implemented a credit analysis spreadsheet in Excel
- Created a risk analysis program for ranking new loans
- Completed a national four week course in formal credit analysis training
- Credits from $1MM to $4MM.
Education
Master of Business Administration -
University of Arkansas at Little Rock
Little Rock, Arkansas08.1998
B.S.B.A Economics/Finance -
Christian Brothers University
Memphis, Tennessee05.1996
Community Affiliations
- Impact on Education Board Member
- Boulder B-Cycle Board Member
- Community Foundation Finance Committee Member
- Boulder Valley Rotary Club Member
- Boulder Chamber of Commerce - Member
Hobbies and Interests
- Skiing
- Mountain biking
- Home brewing
- Barbecuing
Training
National Development Council - Economic Development Finance Professional; A four-week credit training course focusing on business credit, real estate finance analysis, loan packaging procedures, negotiating and problem-solving skills, and deal structuring techniques. Omega Performance - Small Business Core Training; Completed the 12-week in-house small business training covering credit skills assessment, business lending fundamentals, financial accounting, commercial loans to small business, and understanding cash flow.
Timeline
Senior Relationship Banker
First Western Trust - Boulder Profit Center
03.2014 - Current
Vice President, Senior Relationship Manager
Flatirons Bank
03.2011 - 03.2014
Vice President - Commercial Loan Officer
Guaranty Bank and Trust Company
01.2007 - 03.2011
Vice President - Commercial Loan Officer
Rocky Mountain Bank
02.2006 - 09.2006
Correspondent Banking Department, Account Representative
FTN Financial, a Division of First Tennessee Bank, N.A.
03.2003 - 02.2006
Assistant Vice President - Commercial Loans
Metropolitan National Bank
09.2000 - 02.2003
Industrial Revenue Bond Department, Account Representative
Arkansas Department of Economic Development
08.1998 - 09.2000
Master of Business Administration -
University of Arkansas at Little Rock
B.S.B.A Economics/Finance -
Christian Brothers University
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