Alina Coonc

Advises small businesses and professional services firms on financial performance, cash flow, liquidity, working-capital strategy, treasury workflows, authorization controls, and fraud risk mitigation. Analyzes financial statements and operating trends to identify margin pressure, seasonality, concentration risk, and accounts receivable/payables challenges.

Managed and grew a portfolio of business clients originating C&I and CRE loans through disciplined credit analysis and risk-mitigated structures. Built new business through a structured calling program, COI networking, and consultative discovery; expanded existing relationships with treasury, deposit, and cash management solutions.

Originated $14MM–$21MM in new commercial loans annually through a structured calling program, COI referrals, and new-to-bank relationships. Co-led the bank's PPP program from launch through SBA audit, covering underwriting standards, employee workflows, internal systems, staff training, approvals, and documentation.

Named District Lending Winner for commercial production and portfolio growth, driven by a structured calling program. Improved branch profitability through commercial relationship development, wallet-share reviews, and portfolio reviews that uncovered new deposit, lending, and treasury opportunities.

Expanded the bank's local business presence through COI development and community engagement. Delivered lending and deposit solutions to small and mid-sized commercial clients while coaching branch staff on products, procedures, and service standards.

Managed an inherited $80MM+ commercial portfolio across C&I, CRE, treasury, deposit, and FX needs, maintaining risk ratings, covenant compliance, and credit file quality through annual loan reviews. Structured C&I and CRE transactions with covenants and collateral designed to protect the bank while supporting client growth.

Grew branch deposits from $4.5MM to $42MM through targeted business relationship development, turning an underperforming territory into one of the region's leading revenue-producing branches. Authored a Corporate Business Development Action Plan that was adopted bank-wide as an operational standard.

Activities and societies: Executive Student Advisor

Completed a three-year Graduate Certificate in the Business of Banking in 2014, and was appointed Executive Student Advisor.

Completed a one-year certificate program at Advanced Branch Manager School.

Graduated from the Executive Development Program, a one-year program.

Earned an Executive Leadership Certificate in 2014.