Terry L. Durham
1031 Browns Lane
Gallatin, TN 37066
615-452-6923 Home
615-351-5141 Cell
terry@advancedvisualconcepts.com
Advanced Visual Concepts (Gallatin, Tennessee) 1999 - Present
President / Owner
Management responsibility for all business activities including all personnel, financial and operational functions. Business specialized in providing media production services to small and medium size business entities in Middle Tennessee.
* Increased sales over 500% within three years.
* Grew business to include operational staff and full time sales team.
* Recognized as a leader in media services in Sumner County
* Successfully operated the business over ten years.
Regions Bank (Gallatin, Tennessee)
1993-1999
1993-1999Regional President
Recruited by Regions Bank to serve as the Gallatin Unit (Regional) President encompassing Sumner, Wilson and Macon Counties in Middle Tennessee. Span of control included four offices, four managers and 35 employees. Executive responsibility for all bank functions including, commercial & retail lending, selling bank products(sales team), bank operations, bank security, training, finncial analysis, financial forecasting, stretegic planning and personnel adminidstration. Managed a $60 million dollar loan portfolio.
* Successfully guided the transition from a savings and loan facility to a commercial bank
operations.
* Reversed the decline of deposits for all four offices.
* Consistently grew net profits for all four offices.
* Trained loan officers in commercial loan procedures.
* Guided in introduction of trust and investment services to the region.
* Designed and supervised the construction of a new main office.
* Served as the account officer for Star Struck Jet, Reba McEntire's Business Jet Operations.
First American National Bank (Gallatin / Lebanon, Tennessee) 1989-1993
Vice President Financial Analysis / Unit President
Recruited by First American National Bank to serve as a Financial Analysis and Commercial Loan Officer for Sumner County, Tennessee. Responsibilities included the business analysis of a wide variety of business entities ranging from smll to nation wide business entities. Conducted analysis of profit & loss, balance sheet, cash flow, management effectiveness, market and long range financial projections. Background includes making formal presentations to senior loan committees and boards of directors. Promoted to City President in Lebanon, Tennessee with Executive level responsibility for all bank operations in Wilson County.
* Expanded commercial loan portfolio by 35% over a one year period (City President).
* Reduced classified loans by 65%.
* Set up a strategic plan for facility expansio in Wilson, County.
* Streamlined the employee review process.
* Served as a consultant for a loan processing software conversion team.
First Tennessee Bank (Gallatin, Tennessee) 1986-1989
Vice President Financial Analysis
Served as a financial / credit analyst for First Tennessee Bank operations in Sumner County.
Responsible for detailed financial analysis of business loan requrest and renewals. Reported directly to the President of the Sumner County Region. Prepared financial analysis reports to senior managment, loan committees and boards of directors.
* Grew commercial loan portfolio by 20% in one year.
* Established new procedures for loan review and reporting procedures.
* Served as the regional loan compliance officer
* Maintaines a loan loss ratio below 1%.
South Trust Bank (Mobile, Alabama) 1979-1986
Branch Manager
Promoted to Branch Manager after 8 months on the Mangement Training Program. Responsible for all branch functions including retail / commercial lending, budget administration, selling bank products, all platform / teller operations, bank security and personnel administration.
* Branch consistently ranked among the top net profit producers.
* Successfully grew total deposits over a seven year period.
* Maintained a loan loss ratio below 1%.
* Maintained lowest employee turn-over rate in Mobile System
* Received a "Letter of Commendation" for actions during a bank robbery.
* Consistently received a ratiing of "Excellent" from State Bank Examiners.
* Received an award for "Most New Business' - trip to Mexico.
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Summary of Qualifications and Skills
Management:
*Experienced and skilled at planning, organizing and controlling people and resources, 24 years of management experience.
*Executive level – served 5 years as a Regional President for a major corporation located in
Middle Tennessee.
* Manager & Supervisor – served 7 years as the manager of a branch location for a major
corporation in Mobile, Alabama. Responsible for all business functions including budget
administration - ten employees.
* Experienced entrepreneur – owned and successfully operated at Tennessee Limited
Liability Company in Gallatin, Tennessee.
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*Ability to manage complicated projects and assignments correctly, on time and under
budget.
*Adept at discovering new opportunities, driving sales cycles and building new markets.
*Dynamic leader capable of motivating employees to meet high expectations of asset growth and sales activities.
Analytical & Accounting:
*Formal training and experience (7 years) in the areas of business, financial and market
analysis. My background includes setting up financial models for cash flow, forecasting
capital acquisition, personnel needs and overhead analysis.
*Served as a cost accountant and inventory control auditor (3 years)- for a Fortune 500
Company (manufacturing). My job included collecting and interpreting financial data and
preparing detailed reports and presentations.
*Skilled at budget administration, collecting / distributing financial information and setting
up computer based financial reporting systems,strategic planning and resource forecasting.
*Background includes extensive training in credit analysis and long range financial
projections.
*Completely trained in all areas of management accounting and reporting.
*Solid experience in developing new policies, internal procedures and cost saving concepts.
Oral and Written Communication Skills:
*Experienced in making formal presentations to
senior management, boards of directors elected
officials and federal examiners.
*Served as a college level instructor teaching
business courses at Volunteer State Community
College, Gallatin, Tennessee (part time).
*Skilled at writing detailed reports oral and
written on the subject of business and
management analysis for senior management.
*Ability to perceive and define cause and
affect relationships in the areas of profit and
loss analysis.
Computer Skills:
*Fully trained in all computer operations (Microsoft & MAC computers). Skilled at
Microsoft Word, Excel, Power Point, Access, Photo Shop and Final Cut Pro software.
*Experienced at creating complex financial models for business and credit analysis.
Qualifications
Skills
