6128 Rocky Creek Road

Marianna, Florida 32448

(850) 272-9115
bb10621ac@westpost.net
Ben H. Bruner
Objective:
Seeking a challenging position with a company that allows me to utilize my educa
tion, 25 years management experience, and positive attitude to develop new busin
ess and retain and increase profitability with existing business clientele.
Profile Summary:
* Experienced professional with a successful career in banking built upon excell
ent customer service, business development, and motivation to not just reach a g
oal or standard, but surpass it.
* Excel at interfacing with others at all levels to ensure organizational goals
are attained.
* Proactive approach to business relationships has resulted in capturing numerou
s accounts and expanding client base as well as retaining existing customers.
* Proven business management skills including excellent analytical, organization
al and time management skills.
* Diligent in collecting past due accounts and/or moving problem accounts.
* Work well independently with little supervision or with a team.
* Proven management background in accounting, loan underwriting and financial an
alyses.
* Proficient in Microsoft applications including Excel, Word, Outlook, Power Poi
nt and banking applications including Jack Henry and Silver Lake.
* Total relationship banker with experience in consumer, mortgage and commercial
lending.
* Licensed to sell life and health insurance and annuities with the State of Flo
rida.
Experience:
2002-2/5/2010 Superior Bank Marianna, Florida
Senior Commercial Lender:
* Management position that was accountable for developing and retaining business
relationships with bank clientele.
* Experienced loan underwriter with strong accounting, financial and analytical
skills.
* Successfully developed and managed a diverse loan portfolio that included many
aspects of lending including consumer, mortgage, agriculture, construction and
the hospitality industries.
* Experienced in working with Small Business Administration with qualified clien
tele to improve the bank's risk and collateral position while providing the clie
nt with a more favorable loan product.
* Participated in area events to position the bank as a leader within the commun
ity served.
Highlights:
* Developed and successfully managed $75 million loan portfolio.
* Excelled in developing business plans targeting accountants, attorneys, and me
dical professionals which generated substantial referrals for the bank.
* Developed and implemented business strategies targeting the hospitality indust
ry which generated significant bank deposits, loans and referrals.
* Earned the "Superior Chairman's Performance Award for Sales and Service" for e
xceeding goals for sales, non-interest income and customer service.
2000-2002 Farm Credit of Northwest Florida Marianna, Florida
Commercial Lender/Credit Analyst:
* Successfully completed formal credit training in Farm Credit Agriculture Lendi
ng and Underwriting Program.
* Effectively analyzed financial statements and pertinent information to determi
ne payment history and repayment capacity based on historical and/or projected c
ash flow of entity or customer.
* Excelled in quality loan underwriting for agriculture including sole-proprieto
rs and corporations.
* Developed and managed a commercial loan portfolio in excess of $30 million.

1987-1995 Food World, Inc. Marianna, Florida

* Served as the Meat Department Manager for Food World owned by Bruno's Incorpor
ated.
* Excelled in customer service increasing sales from an average weekly volume of
approximately $20 thousand dollars to $50 thousand weekly and meeting and/or ex
ceeding profit margins expected by the company.
* Perfected "Just in Time" inventory control system that helped insure only the
freshest product was available for sale but also added to the bottom line by red
ucing inventory shrinkage thus enhancing bottom line profit.
* Effectively supervised 8-10 employees and managed work schedules to achieve hi
gh goals and standards set forth by company.
* Instrumental in hiring and dismissal of employees as necessary.
* Consistently exceeded goals for profit margin, labor and safety standards.

Education:
2000 Florida State University Tallahassee, Florida
Bachelor of Arts
* Earned a double major in Accounting and Finance.
Continuing Education Courses
* Loans to Small Business Omega Performance, Inc.
* Annual Continuing Education* Bankers Edge
*Continuing education courses including Bank Secrecy Act, Patriot Act, Money Lau
ndering, and Mortgages. Successful completion of 4 courses per quarter was requi
red.
References:
References available upon request.