Melynda Bounds
Old Hickory
Summary
Experienced banking professional with more than 20-years of success developing trusted client relationships, growing consumer and commercial loan and deposit portfolios, and delivering customized financial solutions for businesses. Exceptional customer service and credit skills with a relationship-first approach that results in long-term client loyalty. Self-starter who thrives on business development, community involvement, and helping clients achieve their financial goals while effectively managing portfolio risk.
Overview
21
21
years of professional experience
Work History
Commercial Lender/Relationship Manager
First Financial Bank, Formerly CedarStone Bank
Lebanon TN
12.2005 - Current
- Develop and grow a portfolio of both consumer and commercial relationships through networking, referrals, and business development.
- Structure, underwrite, and close loans while ensuring regulatory compliance.
- Build deposit relationships with new and existing customers.
- Evaluate financial statements, cash flow, collateral, and credit quality to recommend appropriate loan structures.
- Monitor and manage loan portfolio risk and relationship profitability.
- Deliver exceptional customer service while building long-term business partnerships.
Education
Bachelor of Arts - Interior Design
Delta State University
Cleveland, MS05-1985
Skills
- Loan structuring
- Credit analysis
- Cash flow analysis
- Portfolio management
- Collateral evaluation
- Customer service
- Teamwork and collaboration
- Problem-solving
- Leadership skills
Affiliations
Current Memberships:
Kiwanis Club of Lebanon - Board of Directors
Leadership Wilson - Class of 2015
Leadership Donelson Hermitage/L'Evate
100 Women Who Care
Past Boards:
Leadership Donelson Hermitage/L'Evate -Treasurer
Donelson-Hermitage Chamber of Commerce - Secretary
Lebanon Wilson County Chamber of Commerce
The Brooks House - Treasurer
Timeline
Commercial Lender/Relationship Manager
First Financial Bank, Formerly CedarStone Bank
12.2005 - Current
Bachelor of Arts - Interior Design
Delta State University