Summary
Overview
Work History
Education
Skills
Languages
Timeline
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Kirsten Mings

Germantown

Summary

Experienced and results-driven banking professional with 20 years of success in banking, specializing in consumer and commercial lending. Proven ability to originate and underwrite loans, with a strong focus on developing and managing pipelines for commercial real estate transactions. Skilled in building lasting client relationships, delivering exceptional customer service, and leading high-performing teams to exceed sales and portfolio growth targets.

Overview

10
10
years of professional experience

Work History

Bank Officer/ Branch Manager II

Trustmark Bank
01.2024 - Current
  • Grew loan portfolio by over 5 million in the first year at Trustmark, with a focus on a broad range of commercial and consumer real estate transactions, including CRE purchases, residential home purchases, and home equity lines.
  • Developed a high-performing referral network of commercial real estate brokers, CPAs, and wealth advisors, positioning the bank as a go-to resource for all real estate and business banking solutions.
  • Actively monitored credit quality and asset performance across loan portfolio to mitigate risk and support the bank's long-term portfolio health
  • Experienced in underwriting and structuring both consumer and commercial deals, including retail, office, and mixed-use properties, ensuring the bank's credit policy was met.
  • Originated and managed a wide range of consumer loans and home equity lines, providing solutions to each customer's individual financial goals.

Branch Manager

Cadence Bank
11.2021 - 01.2024
  • Collaborated with other business lines to identify cross-sell opportunities, strengthening relationships with both new and existing clients.
  • Actively represented Cadence Bank through membership in the Oakland Chamber of Commerce, promoting the bank’s presence and visibility within the community
  • Grew branch deposits by $4 million by proactively identifying client needs and expanding wallet share among existing customers.
  • Increased the branch's low cost funding by growing non interest-bearing accounts, significantly increasing overall profitability and liquidity.
  • Managed a diverse loan portfolio of over $15 million, consisting of both consumer and commercial loans, while consistently maintaining past due below 2%.

Branch Manager/ AVP

Bank of Bartlett
10.2015 - 11.2021
  • Consistently exceeded quarterly sales goals by leveraging deep product knowledge to deliver tailored banking solutions to customers.
  • Developed strong skills in identifying strategic lending opportunities for both new and existing clients, with a focus on relationship growth.
  • Partnered with senior commercial lenders to gain hands-on experience in sourcing and evaluating credit opportunities while meeting with small business owners.
  • Oversaw daily branch operations, ensuring efficient workflow, customer satisfaction, and adherence to regulatory compliance.
  • Played an active role in developing and promoting bank marketing campaigns, contributing to increased visibility and customer engagement.
  • Became a key resource for small business clients during the Paycheck Protection Program (PPP), identifying needs and guiding business owners through the lending process.

Education

Nursing

Gewerbliche Berufliche Schulen
Flensburg, Germany
06-1991

Skills

  • Commercial & Consumer Lending
  • Commercial Real Estate (CRE) Lending
  • Loan Structuring & Underwriting
  • Credit Risk Analysis
  • Portfolio & Relationship Management
  • Cross-Selling & Referral Development
  • Small business banking solutions

Languages

German
Native or Bilingual
French
Elementary

Timeline

Bank Officer/ Branch Manager II

Trustmark Bank
01.2024 - Current

Branch Manager

Cadence Bank
11.2021 - 01.2024

Branch Manager/ AVP

Bank of Bartlett
10.2015 - 11.2021

Nursing

Gewerbliche Berufliche Schulen

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Kirsten Mings