Carlos T. Carter, MBA

Experience

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  Citizens Bank

  Aug 1996 - Apr 2005

  Managed and increased $50MM commercial loan/deposit portfolio. Established business via aggressive cold calling, referral sources and dynamic sales presentations. Maximized bank profitability via cross-sells of cash management, international, derivative products. Recipient of achievers award for outstanding contributions to community and lending profession. Proactively managed over $500MM in credit exposure to various industries. Performed comprehensive financial statement analysis to assess the financial strength of customers. Determined risk ratings to minimize losses and monitored performance and covenant compliance. Collaborated with internal and external stakeholders to facilitate the timely approval of credit. Prepared proposals from $10MM to $50MM in exposure to Senior Credit Committee. Aided Energy Service Underwriters in the completion of complex credit transactions ranging from $10MM-100MM. Facilitated timely review of customer accounts and compliance with Credit Policy. Served on Loan Products Task Force to create efficiencies with Loan Administration. Interview, train and develop Junior Portfolio Administrators. Participated in the development of a Portfolio Administrator Training Manual. Resolved commercial documentation deficiencies and discrepancies. Established new CR-1000 handling process and wire processing procedure to assist in reengineering efforts. Received Quest Award for demonstrating a team spirit. Interpreted and summarized credit agreements to accurately book and service loans.

  • Commercial Lender

    Jul 2003 - Apr 2005

  • Credit Analyst III

    May 2000 - Jun 2003

  • Portfolio Administrator

    Nov 1998 - May 2000

  • Documentation Analyst

    Aug 1996 - Nov 1998
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  PNC

  Apr 2005 - Jun 2006

  Vice President/Commercial Lender

  Increased market share by 50% within territory by creating a comprehensive marketing plan.Fostered profitable relationships with the medical community as new entrant to the market. Delivered creative business and lending solutions to the medical community.

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  Fifth Third Bank

  Jun 2006 - Aug 2011

  Vice President

  Provided sound lending solutions to companies with $10MM-$1B revenues. Supervised, trained and coached Junior Portfolio Managers. Increased balance sheet and mitigated risk by approving and structuring multi-million dollar loans. Improved credit decision-making by preparing comprehensive analysis on complex transactions. Implemented and facilitated financial literacy training throughout LMI communities to achieve bank CRA goals. Teamed with CRA Officer to sustain and promote Bank’s community commitment. Approved credit within $5MM approval authority. Perennially recognized as top performing Portfolio Manager in Cleveland Affiliate. Show less

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  Bank of America

  Aug 2011 - Oct 2013

  Senior Vice President/Commercial Lender

  Provided creative lending, treasury and international banking solutions to commercial clients with $5MM to $50MM in annual revenues. Lead team to develop and execute marketing plan to drive success in start-up Pittsburgh Market. Maximized client relationship profitability and minimized portfolio risk. Prepared and presented lending opportunities to Senior Management for approval. Exceeded calling goals by 20%.

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  Holy Family Institute

  Jan 2014 - Sept 2016

  Director of Business Development & Operations Consultant

  Collaborate with President and Executive Directors in strategic and marketing planning to achieve Holy Family Academy business and community objectives. Create strategies to increase community engagement and outreach in targeted communities. Develop partnerships with corporate and nonprofit organizations to achieve fiscal and business development goals. Create policies/ procedures to improve cash flow and promote sound fiscal management. Facilitate efficient operations management. .

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  Homeless Children's Education Fund

  Sept 2016 - Nov 2021

  Executive Director

  Led, motivated and inspired the board and team to advance the education of children and youth experiencing homelessness through the implementation of an aggressive 3-year strategic plan. Increased fundraising 30% in 2020 despite the pandemic via innovative programming, strategic communications and increased board, volunteer and donor engagement. Created a diverse, engaged and highly performing team deemed the best in the organization’s 20 plus year history. First recipient of 2019 Pittsburgh Rotary Ethics Excellence Award (community resource category) for demonstrating high ethical standards. Received 2018 Ted Craig Humanitarian Award for our efforts to connect parents and children in local shelters to the arts and sciences while promoting healing and passion for education. Received 2020 Partnerships of Distinction Award from the University of Pittsburgh for our innovative partnership with Steel Valley High School to reduce teen suicide and behavioral issues. Partner with Pittsburgh Public Schools to launch innovative teen program to position teens experiencing homelessness on path to college and careers. Facilitate founder transition and position the organization for future growth and sustainability. Streamlined/modernized operations, systems, programs, and processes to create a venerable nonprofit (with strong cash reserves) that is positioned to execute its mission effectively and efficiently (reduced costs by 10%). Empower organization and team to innovate, measure results and position our clients for success. Show less