TONI C.

GILPIN
8399 E. Carroll Road ~ Whitesburg, Georgia 30185
H: 770-942-9740 W: 678-858-7268 tg9a80dc@westpost.net

FINANCIAL MANAGER
Project Management ~ Banking ~ Business Development
Proven team leadership skills combined with exceptional expertise in forecasting
of sales and revenue, P&L accountability, monitoring and inputting payroll and
other cost controls, analyzing performance trends and ensuring compliance with r
egulatory agencies. Solid track record of success in increasing revenue, reduci
ng turnover, improving customer service and enhancing loss prevention. Adaptabl
e problem-solver with exceptional demeanor and superlative communication skills.
Core competencies include:
* Total Customer Focus * Superb Presentation Skills * Team Building
* Multi-Tasker * Community Service * Tireless Work Ethic
* Analytical Problem Solver * Detail Oriented * Excellent People Skills
PROFESSIONAL EXPERIENCE
SUNTRUST BANK (formerly HomeTown Bank of Villa Rica), Villa Rica, Georgia 2004
a" 2009
Senior Vice President (2007a" June 2009)
a Spearhead major projects, programs and processes involving cross-functional te
ams to uncover new business opportunities.
a Provide direction to maximize performance and ensure the best allocation of ex
pense dollars.
a Member of the interim Compliance Committee, the FOCUS Team (during conversion
process) and the Senior Management Team.
a Supervise the production efforts and credit quality of the lending corpsa loan
by managing four Consumer and three Commercial Lenders, including their support
staff.
a Provide sales and underwriting training, mentoring and joint calling with rela
tionship managers.
a Oversee the Officeras Loan Committee; administer a loan portfolio of real esta
te, commercial, construction and consumer credits of $114M, including collection
s of same.
a Responsible for maintaining acceptable level of technical exceptions related t
o loan portfolios.
a Coordinate with bankas Operations Department as Credit Process Manager.
a As Support Compliance Officer, obtained Core Deposit relationships of $9.5M.
Retail Branch Coordinator (2004 a"2006)
a Coordinated the flawless transition of predetermined client base to the Specia
l Assets Division.
GEORGIA STATE BANK, Douglasville, Georgia 2002 a" 2004
Vice President (2002a" 2004)
a Conducted long-term planning and wide-ranging studies to uncover opportunities
for banking products and services; directly responsible for the Special Assets
portfolio.
a Administered a real estate, commercial, construction and consumer credits loan
portfolio; successfully secured $83M in loan fees for 2004.
a Oversaw day-to-day operation of branch office with six employees at Profession
al Parkway.
Support Compliance Officer (2002 a"2004)
a Maintained Core Deposit relationships valued in excess of $7M.

Continued a
TONI C. GILPIN Rsum / Page 2
PROFESSIONAL EXPERIENCE
(continued)
UNITED COMMUNITY BANK (formerly Peoples Bank of W. Ga.), Carrollton, Georgia 19
99 a" 2002
Vice President / Branch Manager (1999 a" 2002)
a Contacted businesses, community organizations and civic clubs to promote goodw
ill and generate new clients; administered a $2.6M loan portfolio including col
lections of same.
Support Compliance Officer (1999 a" 2002)
a Boosted Credit Life and Disability Insurance Sales; maintained Core Deposits o
f $8.7M.
REGIONS BANK, Douglasville, Georgia 1997 a" 1999
Assistant Vice President / Branch Manager (1997 a" 1999)
a Managed a $6.8M loan portfolio; supervised a high-volume branch with 12 employ
ees.
Support Compliance Officer (1997 a"1999)
a Increased Credit Life and Disability Insurance Sales of $130M+.
a Maintained Core Deposit relationships of $11.6M.
Other Employment:
Assat Vice President / Special Assets, Tucker Federal Bank, Tucker, Georgia, 199
4 a" 1997
Assat Banking Officer / Branch Manager, Tucker Federal Bank, 1993 a" 1994
Administrative Assat to President & Senior Lender, Tucker Federal Bank, 1991 a"
1993
Administrative Assat to President, The Commercial Bank, Douglasville, Georgia, 1
981 a" 1991
Customer Service Rep., Douglas County Federal Savings & Loan, Lithia Springs, GA
, 1977 a" 1980
EDUCATION
Capstone Institute of Mortgage Finance: certificate of completion
American Institution of Banking: various courses and seminars
Georgia Bankeras Association: various courses and seminars
Douglas County Comprehensive High School: Diploma
AWARDS
Sales Leader Champion a" Douglas County; aJulian Awarda Community Bankeras Assoc
iation
COMMUNITY SERVICE
Graduate of Leadership Douglas Class 2004
Previous Board Member, Douglas County Chamber of Commerce
Campaign Committee United Way, Douglas County
Partner in Education; Mentoring Program-Douglas County Board of Education
Member, Home Builders Association, West Georgia Division
Member, Executive Womenas Association, Douglas County
Volunteer, Youth Shelter @ Inner Harbour, Douglas County
Vice Chair, S.H.A.R.E. House Douglas County
Fundraising Chair, S.H.A.R.E. House Douglas County
REFERENCES
Excellent references furnished upon request.