TERESA A.

FORRESTT
Rocky Hill, CT. 06067
Email: taf0127@gmail.com LinkedIn: http://www.linkedin.com/in/teresaforrestt
Home: (860) 563-2856 - Cell: (203) 507-6321
____________________________________________________________________________

FINANCIAL SERVICES
LENDING BANKING RELATIONSHIP MANAGEMENT
Highly successful and experienced Relationship Manager specializing in commercial real
estate lending, retail banking with a profitable client base and industry referral sources.
Bring a proven track record for providing an accomplished record of exemplary
customer service from initial customer contact to project completion.
____________________________________________________________________________
CORE COMPETENCIES
Strategic Planning and Implementation Risk Management Financial Analysis Sales Team
Development Commercial Lending Retail Banking Oral and Written Communications Returning
Positive ROI Expectations Involvement in Industry Organizations Managing Operational Workflows
____________________________________________________________________________________

PROFESSIONAL EXPERIENCE
Eagle Construction Lending Connecticut Market October 2012 to October 2014
Commercial Loan Officer
Strategic planning and implementation of a new lending entity for small and middle market builder
base within Connecticut resulting in ROI net income exceeding 10% during first 12 months of
operations with over $10 million in new loan originations.
Relationship management skills resulting in 60% of client base originating from prior
relationships/referrals with first 4 commercial real estate loans closing within 60 days of hire.
Facilitate cross sell opportunities with local builder supply representatives that realized in excess
of $500,000 in new material sales during 2013.
Developed and organized business operational start-up including underwriting policies, workflow
expectations, procedures, forms, reports and legal opinions.
Managed and performed all aspects of construction loan origination, underwriting, credit approval
recommendations, pricing, valuation, site inspections and draw management.
Surpassed production and net income goals during first 12 months of company opening in 11/12.
Perform all collection functions for client base.
Duties performed from home office along with 25% travel within State of Connecticut.
Wells Fargo Home Mortgage NMLSR 770035 May 2011 to October 2012
Home Mortgage Consultant
Provided conventional and FHA residential mortgages to consumers.
Coordinated efforts with manager to cultivate relationships with the Connecticut builder/Realtor
market to facilitate end loan financing to their clients.
Qualified and processed applications for customers eligible for HARP loans.
Active involvement with loan process to ensure profitable turnaround times and efficiencies.

Teresa Forrestt Resume Page 2

Stock Loan Services November 2006 to May 2011

Commercial Construction Loan Manager
Developed and implemented startup of commercial real estate lending program in Connecticut for
small and medium size builders for single family, multi family and small condominium projects.
Researched and identified target market for profit center resulting in annual positive net income
from 2007 2010, 168 day average turnover and no foreclosures during housing collapse.
Analyzed financial condition for credit approval and oversaw project including periodic financial
updates, site inspections and draw requests.
Performed all collection functions, including monthly interest and extensions.
Travis Mortgage November 2005 to November 2006
Loan Officer
Secured end loan financing for new construction builder client base by coordinating all aspects of
financing process to maximize efficiencies.
Cultivated and maintained relationships with builders, attorneys and realtors.
Robar General Funding October 2004 to November2005
Construction Loan Officer
Provided construction loans to Barden Home dealers for pre-panelized new homes and secured
end loan financing to dealer client base at the end of the construction phase.
Vantis Life Insurance Company July 2000 to October 2004
Direct Sales Manager and Annuity/Credit Manager
Increased sales by 32% in 2002 versus 2001 and 18% in 2003 versus 2002 surpassing sales
goals by 25% in a 2 year period.
Increased closing ratio from 20% at 1/1/02 to 30% at 3/31/04
Planned, organized and directed procedures for conservation efforts in the annuity area resulting
in a $ 1 million weekly gain at 5/30/01 from a weekly negative loss of $ 2 million at 7/1/00.
Liberty Bank September 1990 to December 1999
Mortgage Loan Officer
Increased market share to 28% in New London County hoisting statewide position to #2 from #5.
Facilitated financing needs for mortgage prospects including FHA, conventional and Construction
to Permanent loans.
Insurance Retirement Product Manager
Increased annual income to $1 million from $10 thousand in 2 years by reorganizing operations
and increasing in-force insurance to $1 billion through targeted acquisitions.
Designed and implemented sales goals, incentive plans and marketing campaigns through
strategic planning and training of 46 licensed agents and non-licensed referral sources.
Realized #1 statewide position for bank life insurance sales from 1992 through 1996.

PROFESSIONAL GROUPS AND EDUCATION

Connecticut School of Finance and Management, Class of 1997

Numerous accredited college and professional courses
HBRA member 2006 to Present; winner of Best Construction Loan in state for 2013.
Sales and Marketing Committee, Connecticut HBA 2013 to Present