David Kirk, RICP ®

Experience

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  Barnett Bank

  Jul 1988 - Aug 1994

  Responsible for outside calling and developing consumer loan referral sources. Lead facilitator for bank wide consumer lending class.Assisted platform retail and business customers with total financial relationships. Responsible for collection and adjusting of 60+ day slows and bankrupt installment loans and VISA accounts.Collection of consumer loans , primarily indirect auto loans, maintaining a less than 0.1% delinquency.Trained new adjusters.Created computer programs to increase efficiency.

  • Consumer Loan Officer

    Dec 1993 - Aug 1994

  • Accounts Adjuster III

    Jul 1988 - Dec 1993
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  Barnett Bank

  Aug 1996 - Dec 1996

  Branch Manager

  Managed staff of ten.Responsible for development and implementation of aggressive sales plan to ensure that branch sales and service goals were met.Planned and executed sales and service training.Regularly analyzed market opportunities and developed strategies to implement market and profit plan for office.Increased consumer loan volume by more then 300%.

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  Bank of America

  Mar 1997 - May 2005

  Business Banker

  Responsible for business development, strategic partnering and relationship servicing.Solicited and managed personal and business relationships with small businesses and targeted affluent occupational segments.Combined proactive sales skills, credit knowledge and financial products to expand existing relationships.Provided clients with ALL banking products, commercial and consumer.Analyzed business financial data to help management make decisions on systems and processes.Generated new business clients through execution of extensive outside calling program.Florida panhandle agricultural lender with experience in SBA 7a, Express and 504 loans.Assisted business clients with preparing complete business plans for SBA loan submission. Show less

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  SunTrust

  May 2005 - Dec 2006

  Senior Business Banking Officer, Vice Pres

  Solicited business relationships and worked with a team of branch managers and Relationship Managers to service clients' needs regarding business deposits and conventional and SBA loans.Generated business via self marketing, networking and building a referral network with professionals.Analyzed business financial data to help management make decisions on systems and processes.Played informal role as team leader to other staff members in Business Banking.Served on Bank's North Florida Diversity Council and Chair for Tallahassee sub-committee. Show less

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  Hancock Bank

  Dec 2006 - Mar 2009

  Senior Community Business Banker, Vice Pres

  Received formal credit training. Originated and underwrote commercial loans including all SBA products and worked directly with Regional Credit Officer.Analyzed business financial data to help management make decisions on systems and processes.Presented and sold ancillary commercial products such as cash management services, deposits and private banking.Supervised a Commercial Credit Administrator who also worked directly with clients.Assisted with training and development of other staff members.Managed relationship portfolio and kept exceptions at zero.Responsible for collections of inherited portfolio.Performed reviews of financial information on slow paying clients to determine continued viability of loan asset, necessity for workout or disposition of collateral.Reviewed credit files for documentation, accuracy and compliance and took corrective measures to complete files with missing or inaccurate information. Show less

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  Keller Williams Town & Country

  May 2010 - Dec 2015

  Real Estate Sales Consultant, REALTOR

  Duties include listing and selling residential and commercial propertyResponsible for following Florida real estate lawCoordinate closingsMarketing my business and listed properties

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  Prudential Financial

  Nov 2011 - Nov 2015

  Financial Advisor at the Prudential Insurance Company of America

   Completes fact-finding process to allow for thorough understanding of clients’ financial goals and needs Develops customized ideas and solutions for each client Specializes in helping clients meet their protection needs through a variety of insurance products

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  MassMutual Financial Southeast Coast

  Nov 2015 - Sept 2019

  Financial Advisor

  I offer an analysis of your current financial situation and help you:• Identify financial goals and concerns• Illustrate what is being done to reach your goal and deal with concerns• Identify gaps, if present, and offer solutions to fill them. I am licensed to sell insurance in:Florida, Georgia and South Carolina. I am licensed to sell securities in: Florida and Georgia.

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  Gabor Financial Solutions

  Oct 2019 - now

  Financial Advisor