Community Bank of the South
Founded: 1999 Parent organization: CBOS Bankshares, Inc.
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Community Bank of the South Employees
Community Bank of the South July 2013 - Present
Publix Super Markets August 2003 - August 2014
Skills
Time Management, Retail, Microsoft Excel, Microsoft Office, Operating Budgets, Customer Service, Account Reconciliation, Accounts Payable, Cake Decorating, Wedding Cakes, Telephone Skills, Data Entry, Inventory Control, Cash Register, Budgets
Education
University of Central Florida 2008 — 2012
Bachelor's degree, Accounting
Brevard Community College 2004 — 2008
Associate of Arts (AA)
First Citizens Bank March 2015 - Present
Community Bank of the South September 2014 - February 2015
NorthSide Bank January 2013 - September 2014
Hamilton State Bank September 2006 - December 2012
Wachovia Bank December 2004 - August 2006
Lending Street Mortgage March 2004 - November 2004
The Coca-Cola Company January 1991 - February 2004
Skills
Project Management, CRM, Banking, Credit, Customer Service, Loans, Sales, Credit Analysis, Lines Of Credit, Asset Based Lending, Small Business Lending, Commercial Banking, Commercial Lending, Retail Banking, Finance, Underwriting, Loan Origination, SBA, Relationship Management, Financial Analysis, Commercial Mortgages
Education
University of Georgia - Terry College of Business 2007 — 2010
Georgia Banking School
Mercer University - Stetson School of Business and Economics 1998 — 2001
M.B.A.
Georgia State University 1989 — 1993
B.S.
Community Bank of the South December 2003 - Present
Douglas County Finance Department July 2000 - December 2003
Wachovia Bank January 1995 - July 2000
Skills
Commercial Lending, Banking, Credit Analysis, Small Business Lending, Credit, Commercial Banking, Loans, Commercial Mortgages, Credit Risk, Portfolio Management, Mortgage Lending, Branch Banking, Lines Of Credit, Loan Origination, Finance, Consumer Lending, Deposits, Real Estate, Investments
Education
Shorter College 1994 — 1999
Bachelor of Science, Management
Cocoa Police Department January 2014 - Present
Community Bank of the South May 2011 - January 2014
Panda Express June 2010 - May 2011
NASA Exchange March 2010 - May 2011
Skills
Customer Service, Microsoft Office, Microsoft Excel, PowerPoint, Microsoft Word, Data Entry, Outlook, Sales, Research, File Management, Ethics, Organizational Behavior, Communication, Time Management, Fast Learner, Banking
Education
University of Central Florida 2010 — 2013
Bachelor of Science (B.S.), Psychology, 3.7
Brevard Community College 2008 — 2010
Associate of Arts (AA), 3.7
Genuine Parts Company August 2014 - Present
SunTrust Robinson Humphrey October 2012 - August 2014
Direct Source Funding, Inc March 2009 - October 2012
Community Bank of The South September 2010 - December 2011
American Southern Bank November 2008 - January 2010
Calvary Baptist Church of Austell December 2006 - July 2009
Cornerstone Bank/Southern National Bank June 2003 - November 2008
Southern National Bank May 2002 - September 2005
Skills
Commercial Lending, Loans, Banking, Accounts Receivable, Small Business Lending, Credit, Credit Analysis, Financial Services, Financial Analysis, Loan Origination, Finance, Portfolio Management, Cash Flow, Credit Risk, Commercial Banking, Investment Properties, Asset Based Lending, Funding, Commercial Real Estate, Cash Management, Start-ups, Treasury Management, Corporate Finance, Underwriting, Mergers & Acquisitions, Refinance, Investments, Commercial Mortgages, Due Diligence, Financial Modeling, Asset Management, Mortgage Lending, Valuation
Education
Series 63 2014 — 2014
Series 79 2014 — 2014
Kennesaw State University - Michael J. Coles College of Business 2004 — 2006
MBA, Finance
Georgia Southern University - College of Business Administration 1999 — 2002
Bachelor's, Finance
Central Gwinnett 1996 — 1999
Community Credit Union VPFlorida Business Bank2004 - 2005
Florida Business Bank 2004 - 2005
Community Bank of the South November 1999 - April 2003
Education
Oklahoma State University 1979 — 1981
BSBA, Accounting
Community Bank of the South OwnerEvergreen Mortgage CompanyJanuary 1995 - March 2008
Education
University of Dayton
BS, Business Administration
Ryan November 2014 - Present
Community Bank of the South May 2012 - June 2014
TSG January 2009 - April 2012
Wachovia, A Wells Fargo Company August 2001 - December 2009
Skills
Forecasting, Financial Analysis, Process Improvement, Strategic Financial..., Banking, Finance, Accounting, Financial Reporting, Cost Accounting, Strategic Planning, Credit, Credit Analysis, Customer Service, Financial Modeling, Sales
Education
Kennesaw State University - Michael J. Coles College of Business 2002 — 2005
MBA, Career Growth
Georgia Southwestern State University 1997 — 2001
BBA, General Business
Georgia Commerce Bank May 2013 - Present
Bank of North Georgia July 2006 - May 2013
Community Bank of the South 2005 - 2006
Community Trust Bank 2001 - 2005
Bekaert 1995 - 2001
Skills
Commercial Lending, Credit Analysis, Loans, Commercial Banking, Credit Risk, Small Business Lending, Banking, Credit, Commercial Mortgages, Lines Of Credit, Commercial Real Estate, Executive Management, SBA, Portfolio Management, Asset Based Lending, Underwriting
Education
Kennesaw State University 1995 — 1999
Bachelor, Business - Entrepreneurship
Leadership Cobb
Sprayberry HS
BankUnited NA August 2014 - Present
SunTrust Bank January 2013 - June 2014
SunTrust Bank January 2010 - December 2012
SunTrust Bank January 2009 - January 2010
SunTrust Bank June 2007 - January 2009
Community Bank of the South May 2006 - June 2007
Skills
Customer Service, Microsoft Word, •CLO – Commercial Loan..., Salesforce.com..., Microsoft Excel, MRA-Moody's Risk Analyst, Risk Management, Financial Analysis, Banking, Portfolio Management, Underwriting, Commercial Lending, Loans, Credit, Cash Flow Lending, Commercial Mortgages, Credit Rating, Credit Risk, Financial Modeling, Financial Statement..., Management, Asset Based Lending, Credit Analysis, Small Business Lending
Education
Penn State University 1986 — 1990
Bachelor of Science (BS), Finance, 3.35
Community Bank of the South September 2014 - Present
Community Bank of the South January 2014 - September 2014
The Bank of Tampa March 2012 - November 2013
The Bank of Tampa April 2010 - March 2012
Cheddar's Casual Cafe November 2009 - March 2010
Keith's Pizza March 2002 - August 2009
Skills
Microsoft Office, Work Ethic, Time Management, Reliability, 10 Key, Microsoft Word, Microsoft Excel, Outlook, PowerPoint, Organized Multi-tasker, Close Attention to..., Accurate Data Entry, Accurate Record Keeping, Highly responsible, Research, Learning Quickly, Enthusiasm to learn, Banking, Customer Service, Restaurants, Branch Banking, Credit, Credit Analysis, Financial Analysis, Loans, Data Entry
Education
North Dakota State University 2004 — 2008
Bachelor of Science (BS), Hospitality and Tourism Management, Business Administration, Interior Design
Bemidji High School 2000 — 2004
Community Bank of the South January 2015 - Present
Merritt Island Breakfast Rotary Club October 2013 - Present
Fidelity Bank of Florida December 2008 - December 2014
MFSC 2002 - 2008
FirsTrust of Florida 1998 - 2002
Skills
Loans, Credit, Banking, Finance, Portfolio Management, Real Estate, Commercial Lending, Loan Origination, Asset Management, Commercial Mortgages, Real Estate Transactions, Foreclosures, Commercial Real Estate, REO, Short Sales, Capital Markets, Leadership, Management, Residential Homes, Negotiation, Credit Analysis, Financial Analysis, Investment Properties, Real Estate Financing, Mortgage Banking, Marketing, Underwriting, Asset Managment, Due Diligence, Residential Mortgages, Financial Structuring, Mortgage Lending, FHA, Consumer Lending, Sales, Construction Loans, Disposition, Asset Based Lending, Investments
Education
Florida School of Banking 2010 — 2012
Bachelor of Arts (B.A.)
Stetson University 1993 — 1995
M.A., English
Florida State University 1991 — 1993
B.A., Theater
FBA Tax Return Analysis Seminar
FBA Tax Return Analysis Seminar
SunTrust Bank July 2010 - Present
Community Bank of the South January 2006 - July 2010
Skills
Commercial Lending, Commercial Credit, Risk Mitigation, Cash flow analysis, Financial Statements..., Risk Management, Borrowing Base..., Risk Rating ( Moody's..., Leadership
Education
Webster University 2010 — 2011
MBA, Finance, 3.9
University of Central Florida 2000 — 2002
Bachelor of Arts, Advertising / Public Relations, 3.8
Community Bank of the South October 2012 - February 2013
Genghis Grill Mongolian Stir-fry May 2010 - July 2012
Miller's Alehouse November 2008 - March 2010
Education
Florida State University 2007 — 2011
B.S., Finance, Econimics
Community Bankers Association of Georgia March 2011 - Present
Hewlett-Packard September 2010 - February 2011
Community Bankers Association of Georgia August 2009 - February 2011
Community Bank of the South November 2004 - November 2009
Community Bankers Association of Georgia June 2000 - November 2004
First Georgia Bank 1998 - 2000
First Federal Savings Bank 1984 - 1998
Valpak 1994 - 1997
Education
Georgia Southern University
B.S., Communication Arts with emphasis in Public Relations
Mercer University - Stetson School of Business and Economics
PRSA Business School for Communicators
Fidelity Bank September 2014 - Present
SunTrust Bank December 2012 - September 2014
State Bank and Trust Company July 2011 - December 2012
First Landmark Bank December 2008 - August 2011
Georgian Bank July 2006 - July 2008
Community Bank of the South August 2005 - July 2006
Wachovia Bank June 1998 - August 2005
Skills
Real Estate Lending, Commercial Lending, Loans, Small Business Lending, Commercial Banking, Banking, Credit Analysis, Underwriting, Credit, SBA, Lines Of Credit, Certified Treasury..., Treasury Management, Cash Management, Finance, Capital Markets, Financial Structuring, Financial Analysis, Portfolio Management, Management, Commercial Real Estate, Small Business, Loan Origination, Risk Management, Construction Loans, Credit Risk, Financial Services, Asset Based Lending, Commercial Mortgages, Financial Risk, Relationship Management, Sales, Financial Planning, Cross Selling, Treasury, Consumer Lending, Investments, Investment Banking, Business Development
Education
The University of Georgia 1994 — 1998
BBA, Finance
University of Georgia - Terry College of Business 1994 — 1998
BBA, Finance
Community Bank of the South March 2003 - Present
SunTrust Bank January 1995 - January 2003
Skills
Credit Analysis, Loans, Commercial Lending, Portfolio Management, Underwriting, Financial Analysis, Loan Origination, Commercial Mortgages, Small Business Lending, Commercial Banking, Credit, Small Business, Retail Banking, Finance, Mortgage Lending, Lines Of Credit, Leadership
Education
Kennesaw State University 1986 — 1991
Bachelor of Business Administration (BBA), Business Administration and Management, General
Louisiana State University
Louisiana State University
Community Bank of the South February 2010 - Present
Georgian Bank November 2003 - February 2010
Silverton Bank 1997 - 2003
The Bankers Bank 1997 - 2003
Education
University of Phoenix 2005 — 2008
Community Bank of the South August 2003 - Present
Wachovia, A Wells Fargo Company April 1988 - August 2003
Skills
Portfolio Management, Credit, Wealth Management, Credit Risk, Loans, Small Business Lending, Commercial Lending, Retail Banking, Commercial Banking, Credit Analysis, Consumer Lending, Financial Analysis, Real Estate, Asset Based Lending, Commercial Mortgages, Banking
Education
Auburn University 1983 — 1988
Bachelor of Science (BS), Finance
Bank of North Georgia February 2001 - Present
Community Bank of the South May 2000 - February 2001
Eastern Savings Bank May 1990 - April 2000
Education
Essex Community College
Signs by Tomorrow - Marietta April 2009 - July 2014
Creekside Bank January 2008 - November 2008
Community Bank of the South February 2006 - January 2008
United Community Bank April 2002 - February 2006
Federal Reserve Bank of Atlanta January 1999 - March 2002
Harbinger Corporation February 1997 - December 1998
J M Wilson Corporation January 1995 - February 1997
Northwestern Mutual January 1993 - February 1995
First of America Bank Corporation 1989 - 1992
Skills
Trade Show Management, Vehicle Lettering, Marketing Solutions, Signs, Vehicle Graphics, Decals, Wraps, Banners, Visual Communication, Marketing, Trade Shows, Graphics, Direct Mail, Commercial Lending, Customer Service, Sales, Digital Printing, Wide Format Printing, New Business Development, Graphic Design, Corporate Gifts, Small Business, Budgets, Advertising, Marketing Strategy, Strategic Planning, Team Building, Direct Marketing, Brand Development, Email Marketing, Business Cards, Pre-press, Posters, Logo Design, Flyers, Social Media Marketing, Brochures, Corporate Identity, Leadership, Management, Branding & Identity, Event Planning, Strategy, Calligraphy, Trade Show Graphics, Corporate Branding, Offset Printing, Packaging, Catalogs, Business Development
Education
Western Michigan University - Haworth College of Business 1980 — 1986
MBA, Finance
Kalamazoo College 1975 — 1979
BA, History
Lalumiere School 1973 — 1975
Saint Joseph High School
Saint Joseph High School
United Community Bank March 2015 - Present
First Citizens Bank February 2010 - February 2015
Georgia Heritage Bank January 2007 - October 2009
Community Trust Bank (GB&T Bancshares) March 2003 - January 2007
Community Bank of the South October 2000 - March 2003
West Virginia Division of Banking February 1997 - June 2000
Skills
Commercial Lending, Credit Analysis, Small Business Lending, Credit, Loans, Portfolio Management, Banking, Risk Management, Asset Based Lending, Financial Analysis, Sales Management, Mortgage Lending, Consumer Lending, Sales, Credit Risk, Loan Origination, Cash Management, Underwriting, Management, Financial Services, Financial Risk, Commercial Banking, Relationship Management, Lines Of Credit
Education
Kennesaw State University - Michael J. Coles College of Business 2002 — 2007
MBA
Penn State University 1991 — 1995
B.S., Finance & International Business
Auburn University August 2011 - Present
Georgia State University January 2007 - July 2011
Southern National Bank September 2005 - December 2006
Community Bank of the South September 2001 - October 2005
Skills
Leadership, Higher Education, Strategic Planning, Budgets, University Teaching, Research, Financial Analysis, Accounting, Financial Modeling, Public Speaking
Education
Georgia State University 2007 — 2011
Doctor of Philosophy (Ph.D.), Accounting
Auburn University 1991 — 1995
Bachelor of Science (BS), Accounting
Community Bank of the South Provide residential mortgage loans to bank customers and others.$
Skills
Credit Analysis, Credit, Loans, Banking, Credit Risk, Commercial Mortgages, Real Estate
Education
Georgia State University 1987 — 1991
Bachelor of Business Administration (B.B.A.), Real Estate
Agnes Scott College 1975 — 1977
Economics
Community Bank of the South December 2013 - Present
Community Bank of the South December 2010 - December 2013
Community Bank of the South February 2008 - December 2010
Evergreen Mortgage Company November 1994 - February 2008
Skills
Commercial Lending, Small Business Lending, Commercial Banking, Credit, Mortgage Lending, Loans, Banking
Education
University of Dayton 1973 — 1976
BS, Business Administration
Commercial Lending School in Greenville, North Carolina 2009 — 2009
Community Bank of the South 1996 - Present
twa September 1983 - 2012
Education
Florida State University 1976 — 1979
Doctor of Law (J.D.)
Wake Forest University 1972 — 1976
Bachelor of Arts (BA), Economics