LAWRENCE E. TRELEASE
5846 Dorton Lane • Glen Allen, VA 23060 • •
EXECUTIVE PROFILE
Results-oriented Financial Services Executive with over 20 years experience in credit sales, business development, and risk management. Proven track record increasing annual loan volumes in various credit markets in the United States. Solid analytical skills used in loan origination, underwriting and risk assessment. Strategic member of an executive team formed to frame and implement a comprehensive lending ethics policy. Proactive, creative and goal-oriented leader has an accomplished record of building high performing sales and credit teams.
Credit Sales & Business Development Management Credit Analysis
Credit Training & Development Credit Policy/Regulatory Compliance
PROFESSIONAL EXPERIENCE
WACHOVIA BANK, N.A., Richmond, VA 1990 – Present
Wachovia Direct Access - Vice President and Retail Small Business Consultant
Assistant Vice President and Consumer Credit Sales Consultant
Developed high performing telephone sales teams of 40+ lenders in generating average annual loan volumes of $327 Million.
Challenged Wachovia’s telephone business bankers to exceed monthly loan goal of $44.8 Million.
Trained and inspired a new sales team in Allentown, PA to generate monthly loan volumes of $2 Million in less than 3 months.
Partnered with Richmond site’s Sales Director to develop lending strategies that would increase monthly loan growth by 10% or more.
Mentored Sales Leaders to increase monthly team loan production by 10% or more.
Implemented creative communications & training tools utilized by over 500 new and experienced lenders in Wachovia Direct Access.
Completed monthly pre-underwriting loan pipeline reviews to assess risk, analyze credit/collateral, determine adherence to loan policy/federal fair credit standards and/or eliminate loans that do not meet underwriting requirements.
Maintained quality loan portfolios with low charge off rates of 0.06% & low 30 day delinquency rates of 1.27%.
Provided loan approval/underwriting consulting for Richmond call center’s Mortgage Loan Counselors to generate monthly mortgage volumes over $10 Million.
Sponsored and implemented a comprehensive Consumer Lending Ethics Policy for over 2500 lenders nationwide in Wachovia’s General Banking Group.
Directed credit examinations to assess risk/loss potential of the Central Fidelity bank affiliate’s $4 Billion real estate, commercial, consumer and residential mortgage and Other Real Estate portfolios.
Organized and managed the start-up operations of a loan review field office for the $1 Billion Maryland bank affiliate.
Directed credit examinations to assess risk/loss potential of the Maryland bank affiliate’s $570 Million real estate, corporate, special assets and Other Real Estate portfolios.
Implemented the development of a comprehensive Commercial Loan Review Policies and Procedures Manuals for the Maryland bank’s $570 Million loan portfolio.
LAWRENCE E. TRELEASE
5846 Dorton Lane • Glen Allen, VA 23060 • •
PROFESSIONAL EXPERIENCE
CREDIT RISK REVIEW CONSULTING, Edison, NJ 1989 – 1990
Independent Consultant
Provided professional credit quality consulting services to Midlantic Banks, Inc’s Loan Review Division by directing loan portfolio examinations to assess risk/loss potential of the holding company’s $5 Billion commercial, commercial real estate, International and consumer loan portfolios.
BANK OF NEW YORK, New York, NY 1987 – 1989
Vice President Loan Review and Loan Administrator
Developed and implemented loan policies and procedures for $250 Million loan portfolio at the Nanuet National Bank affiliate.
Established detailed monthly credit reporting system to executive management and board of directors for Nanuet National Bank $250 Million loan portfolio which included non-performing loans, delinquencies, problem loans, loan loss reserves, and charge-offs.
Instituted new systems to organize credit and collateral documentation files.
Formed and managed Nanuet National Bank’s first Credit Department.
ADDITIONAL RELEVANT EXPERIENCE
Assistant Vice President/Loan Review Officer with Midlantic Banks, Inc., Edison, NJ – Directed credit reviews to assess risk/loss potential of bank’s $400 million International loan portfolio and performed due diligence credit risk assessments on merger & acquisition candidates.
Commissioned Bank Examiner with Federal Reserve Bank of New York, New York, NY – Managed bank & bank holding company examinations to assess institutional soundness & compliance with Federal Banking Regulations.
EDUCATION AND PROFESSIONAL DEVELOPMENT
Situational Leadership, Wachovia Bank, N.A., Charlotte, NC
LCY Cross-Diversity for Leaders, Wachovia Bank, N.A., Charlotte, NC
The 7 Habits of Highly Effective People, Wachovia Bank, N.A., Richmond, VA
Targeted Selection, Wachovia Bank, N.A., Roanoke, VA
BA, Psychology with a Minor in Business, Seton Hall University, South Orange, NJ
TECHNICAL EXPERTISE
Microsoft Word, Microsoft Excel, Microsoft Power Point, Microsoft Access, Lotus Notes
AFFILIATIONS/COMMUNITY SERVICE
Mentored High School Robotics Team in Richmond, VA
F.I.R.S.T. Robotics Ambassador, National Organization for High School Robotics teams
Former State President, New Jersey Jaycees
