Financial/Management/Process Improvement Executive

Christopher R. Byrne

171 West Woodglen Road

Spartanburg, SC  29301



Financial Services professional with a strong background in commercial lending, relationship management, and process management.  Results driven ability to develop and manage all aspects in a business environment.



 2012-2015               SUNTRUST BANK

                                First Vice President, Relationship Manager, Commercial Dealer Services

Responsible for management and growth of SunTrust’s automobile dealer portfolio for the Georgia Region, consisting of the majority of the state of Georgia, excluding Atlanta.   Responsibilities include management of all Bank products including, but not limited to, wholesale floorplan, capital loans and mortgages, deposits and treasury management, merchant services, derivative rate swaps, and retirement accounts.

  • Inherited a relatively small portfolio of approximately $175 million, and tasked to grow it.
  • Revenue on new business in 2013 was $513,000.  Since 1/1/14, I obtained $78,025,000 in new credit/deposits/treasury outstandings, resulting in $947,768 in New Business Revenue.
  • Participated in numerous dealership and Bank charitable activities, generating thousands of dollars for local communities.

 2012-2012               US EQUITY ADVANTAGE

                                Regional Account Manager, Eastern United States

Responsible for business development of a bi-weekly finance plan offered to consumers through franchised automotive dealerships.  Responsibilities included meeting with dealer principles, sales managers, and finance managers to explain and teach the program to maximize dealer profits.

  • Territory produced 447 contracts in my first month, and grew to 776 in my second month.
  • Launched a program with a dealer group in Texas to offer a free maintenance plan for all customers, paid for with the dealer’s proceeds of the sales of the bi-weekly contracts.
  • Established a relationship with a large dealer group in Florida that the company had not been able to develop, due to my strong relationship with the principle of one of the stores.
  • Initiated and trained approximately ten new dealers in the first two months of service.

 2009-2011               THE PALMETTO BANK

                                Vice President/Commercial Relationship Manager, Spartanburg, SC

Responsible for sales, management, and administration/underwriting of all commercial relationships for the Spartanburg market, including Spartanburg and Cherokee Counties.  Due to the slow economy, initial responsibility primarily consisted of purifying the portfolio that I inherited from two prior managers.  Later, responsibility still focused on portfolio management, but portfolio growth was more heavily emphasized.

  • Managed portfolio of 122 commercial accounts totaling $63,399,356.
  • Adjusted collateral and removed $8,000,000 of “high concentration” collateral.
  • Managed six accounts out of the Bank that did not meet the new portfolio profile.
  • Added eight accounts totaling $4,900,000 in exposure to growth areas for the Bank.
  • Member of The Palmetto Bank Community Bank Boards for Duncan, Inman, Boiling Springs, Spartanburg, Gaffney, and Blacksburg.  Member of Spartanburg and Cherokee County Chambers of Commerce.

  2004-2009               BANK OF AMERICA

                                Senior Vice President/Senior Client Manager, Charleston, SC

Managed the relationships that Bank of America had with franchised automobile dealerships in South Carolina, Western North Carolina, and Augusta, Georgia.

  • Captured $111,389,000 in new business to the Bank, generating $1,586,000 in new revenue from 1/1/05 through 2/6/09.
  • Annual portfolio revenue increased each year.
  • Managed a commercial and retail portfolio with an average outstanding balance of $489,759,592 and average deposits of $8,572,988, resulting in average annual net credit income of $5,082,592.
  • Managed a team of specialists in each product group to provide best in class customer service and products to our customers.    

2002-2004               Certified Six Sigma Blackbelt, Nashville, Tennessee

Responsible for working with all Ford Credit departments and reviewing all company operations to uncover project opportunities.  Obtained full Black Belt Certification within one year of being placed in the program.

  • Closed an average of five projects per year with an estimated annual savings of $1.4 million, and taught an average of three Green Belt classes each year.
  • Received second place award for Black Belt project management in Ford Credit worldwide 2003.
  • Due to my extensive knowledge of field operations, I was asked to participate in numerous marketing and operations initiatives, including administering the Branch Portfolio Review Process.

2000-2002               Branch Operations Manager; Orlando, Florida

Responsible for managing all retail and dealer credit responsibilities for the Orlando Branch.  The territory consisted of Northern Florida, including the Orlando, Tampa, Jacksonville, and Tallahassee markets.

  • Managed approximately $100 million in commercial receivables.
  • Managed the retail credit department, including underwriting and funding, with retail acquisitions averaging $35 million per month.
  • Branch exceeded all Customer/Dealer/Employee Satisfaction objectives.

1997-2000               Wholesale Supervisor; Orlando, Florida

Responsible for administering all current/prospective commercial (dealership) accounts.  Also responsible for approving retail offerings from dealerships.

  • Obtained eight commercial accounts, including investigation, underwriting, and documentation.
  • Managed the wholesale department and implemented a cross-training program for department employees to improve their effectiveness and customer service


1996-1997               Commercial Lending Analyst; Jacksonville, Florida

Responsible for the wholesale relationships for approximately 110 dealerships, and $450 million in wholesale (dealership) receivables in Northern Florida, while supervising six people.

1994-1996               Credit Supervisor; Savannah, Georgia

Responsible for the credit maintenance of approximately 30 dealership ($100 million in dealership receivables) wholesale accounts; approved retail offerings and contracts from the dealerships

1990-1994               Account Representative; Greenville, South Carolina

Responsible for collection activity; completion of wholesale audits; placed on the SEIT (Salaried Employee In Training) program to study all aspects of the business at a supervisory level.


                                Manager; Greenville, South Carolina and Charlotte, North Carolina

                                Sold and administered large cleaning contracts to retail/commercial customers.


1984-1989               Clemson University – Clemson, South Carolina

                                Bachelor of Science in Accounting:  May, 1989


                                Managing Conflict, Adventure Associates – 2006

                                Negotiating Results and Relationships, CMI Concord Group – 2005

                                Numerous Bank of America Product, Sales, and Management Training – 2004-2009

                                Six Sigma Black Belt Training – 2002-2003

                                Six Sigma leadership Program – 2002

                                Effective Sales Presentations – Train the Trainer – 2001

                                Mortgage Loan Analysis – 1999

                                Basic Elements of Supervisory Training – 1997

                                Dealer Financial Statement Analysis – 1994

                                Retail Credit Analysis – 1994


                                References Available Upon Request


  • ID#: 95208
  • Location: Spartanburg, SC , 29301

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