Nancy La Tulip
1 Birchwood Common cell: 716-471-2810
Lancaster, New York 14086
nlatulip@verizon.net

Summary of Qualifications

Senior banking/management professional with sixteen years of progressive leadership experience creating and expanding commercial lending departments and implementing strategic plans that improved operating results through small business market penetration. Strengths include:

• Managing Multiple Priorities/Projects
• Customer Relationship Management
• Implementing New Initiatives
• Strategic Planning/Budgeting
• Deployment across Multiple Business Lines
• Managing Teams/Team Building
• New Product Development and Rollout
• Sales Management/Coaching
• Strong Analytical/Decision-Making Skills
• Regulatory Compliance


Professional Experience

LAKE SHORE SAVINGS BANK, Dunkirk, New York 3/2008 - present
Vice President/Retail Banking Officer
Manage 9 branch locations through transition from Savings and Loan Association to Savings Bank. Oversee growth through identification of new branch locations. Provide leadership to staff through:

• Updating job descriptions to reflect sales and service model
• Design and implementation of training programs
• Update loan policy to include introduction of Officer Loan Committee
• Review and update all products and services, including introduction of new products to include Remote Deposit Capture, Business online banking with bill pay, Merchant Services
• Increase fee income through improved collection rate
• Increase core deposit growth through training and established calling program
• Increase participation in SBA guaranteed lending through partnership with NYBDC
• Complete introduction of Sarbanes Oxley requirements 

Greater Buffalo Savings Bank, Buffalo, New York 5/2007 - 2/2008
Senior Vice President/Chief Retail Banking Officer
Senior Vice President, Community Banking
Managed sixteen branch locations from announcement of bank sale through completion of acquisition to ensure continuance of sales activities, compliance with audit and SOX regulations and completion of training required by acquiring institution. Partnered with department heads to retrain personnel and deploy available resources through staff departures. Developed and tracked budgets.
Managed direct and indirect consumer lending including introduction of new products and procedures. Expanded Certificate of Deposit Account Registry Service through targeted cross-sell program. Expanded CRA and Community Development efforts to include small business activities.

• Developed staffing model and incentive plan which reduced employee absence by 55%.
• Introduced customer retention plan that reduced client loss and improved staff focus.
• Served on Transition Team providing timely flow of information that ensured seamless conversion with minimal customer impact.
• Created small business lending program; products, forms, credit scoring and training program.
• Developed and introduced new cash management products including remote deposit, analyzed checking and sweep account.
• Revamped consumer loan closing process; improved turnaround time by 200%.
• Doubled CDARS deposits to $100 million.
• Introduced simplified small business application and approval process reducing processing time from 10 to 2.5 days.

First Niagara Bank, Lockport, New York 5/2000 - 5/2007
Senior Vice President, Business Banking (11/2003 - 5/2007)
Expanded department to include acquired banks in eastern New York, increasing staff to 28 lenders and introducing new credit analyst and portfolio manager positions. Increased loan production through training and mentoring, supported by centralized credit scoring, portfolio management and collections. Led cross-sell initiative across sister- companies. Member of strategic planning team producing "Strategic Blueprint" for growth. Developed and managed annual budget. Participated in due diligence process on bank acquisitions and served as member of integration steering teams. 

• Redesigned SOX-404 compliant loan policy including annual presentation to Board of Directors.
• Increased Business Banking loan portfolio from $125 million to $500 million.
• Reduced delinquency in acquired portfolio from 2.2% to .95%.
• Increased branch-generated loans by 134%.
• Increased SBA-guaranteed lending from 28^th to 4^th in WNY and from 350th to 55^th nationally.
• Achieved annual growth rate of 20% with weighted average interest 1.75% over prime rate.
• Improved fee income collection from .2% of booked loans to .5% of booked loans.

Vice President, Small Business Lending (5/2000 - 11/2003)
Formed new small business lending group in western New York handling loans to $250,000. Hired, mentored and developed staff. Developed credit score processing and loan policy and procedures. Introduced branch network to small business loans including training on business development, relationship building and cross-selling. Trained phone center personnel on products and services. 

• Developed new products and services specific to small business market and introduced one-page loan application, eliminating need for collection of tax returns/financial statements.
• Expanded program to central New York with acquisition of 2 banks.
• Improved loan turnaround time for credit scored loans from 3 weeks to 2 days.
• Increased loan portfolio by $75 million.
• Improved average per client sales from 1.1 to 3.2 products/services.
• Built branch-generated loans to $16 million/year.

Key Bank, Buffalo, New York 9/1984 - 4/2000
Senior Vice President, Small Business Lending (9/1992 - 4/2000)
Managed 12 lending professionals focused on small business loan growth, deposit, investment and insurance relationships. Managed sales, underwriting, credit approval and collections. Member of senior management team with responsibility for media interactions. Trained branch managers in recognizing and capitalizing on small business opportunities. 

• Achieved 160% of production goals.
• Increased average sales per client from 1.5 to 4.12 products/services.
• Reduced delinquency by 63%.

Vice President, Commercial Lending (8/1986 - 4/2000)

Assistant Vice President/Branch Manager (9/1984 - 8/1986)

Education
Canisius College, Buffalo, New York
MBA - Finance, BA - French

Community Involvement

Past Chair - Buffalo Niagara Partnership Business Backs Business Council
Voting Member - Erie County Regional Development Corporation Loan Committee
Director - Niagara University Family Business Center
Federal Reserve Steering Committee: Women's Access to Capital and Credit
Member, Past Board Member and Treasurer - Risk Management Associates
Voting Member - Buffalo Economic Renaissance Corporation Loan Committee
Board Chair - Canisius College Women's Business Center, SBA Advisory Board
Director - Niagara Regional Certified Development Corporation
Finance Committee - Canisius College Board of Regents (emeritus)
Board Member, 2nd VP - Canisius College MBA Alumni Association 

Awards

Athena Award nominee/finalist 2004, 2005
Canisius College Distinguished MBA Alumna, 1995
Minority Business Development Center Financial Advocate of the Year, 1994
U.S. Small Business Administration Financial Advocate of the Year, 1993 and 2003
Cardinal O'Hara High School Alumna of the Year, 2003