T E RR Y B.

R E N OU X
Somerville, TN 38068 901.481.7184 tbrenoux@bellsouth.net

CAREER SUMMARY
Senior Financial Services Executive desires to be a part of a team to drive growth, control and efficiency while increasing profitability. Versatile leader who consistently maximizes shareholder value by building enterprises that deliver legendary customer service and high quality products. Successfully led large diversified portfolios of consumer loans to record levels of growth and profitability. Extensive experience representing organization to Wall Street, industry organizations and regulatory bodies.

P R O F E S S I O N A L E X P E R I E N CE L S T C o n s u l t in g G r o u p L L C Sr Managing partner
2009 to Present

General Bank and small business consulting. Areas of focus are small business start up coaching, retail bank strategic planning and product development, compliance and regulations structure.

FIRST HORIZON NATIONAL CORPORATION, MEMPHIS, TN President Consumer Finance

1989 TO 2009

Championed all aspects of consumer finance and managed multi-state businesses generating $900 million in revenue and $400 million in pretax over 4 years. Responsible for all aspects of managing portfolio profitability on $7.3 billion on balance sheet and $3.1 billion off balance sheet loan assets consisting of Real Estate, Heloc, Auto, Cards and other. Developed and integrated automated loan origination and underwriting systems. Worked in constant partnership with credit policy/risk management for successful risk/reward. Increased revenue from business units and portfolios managed over 100% from 2004-2008 partnering directly with branch, marketing and sales management. Responsible for and involved in all aspects of asset disposition including Autos, Mortgage secured and unsecured. Directly interfaced and influenced the production in 200+ retail banking branches and 300+ Mortgage locations as well as private client areas to produce cross sold products. Built management team to efficiently manage growing responsibilities with personal leadership ratings in top quartile relative to peers. Successfully created 30% efficiency in business expenses 08-09. Acquired two non-banking companies and participated in 8 banking and mortgage companies acquisitions successfully integrating the consumer business into operations. Managed a mortgage banking subsidiary resulting in a profitable operation despite market downturn in 2008 and 2009. Revamped and managed indirect lending, floor planning and servicing areas to appropriate risk return and profitability. o Directed all consumer lending product areas. o Created loan securities to improve funding and risk exposure to long term assets. o Built a bank owned full line insurance company resulting in a new $10,000 million plus dollar revenue stream

Terry B. Renoux

901.481.7184

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o Built a 70 branch consumer finance lending group resulting in a sale as strategy changed for $7 million dollar premium. . Business units managed consistently had customer service ratings 95% good-excellent.

FIRST USA, DALLAS, TX

Senior Vice President, Consumer Products

1988 TO 1989

Oversaw Home Equity Lending, insurance and travelers check divisions. Managed the 200 seat telemarketing center. Built consumer products division for First USA resulting in pretax growth of 30% year over year from that division. Increased organic revenue from new products by 20%. Improved products sold per telemarketer in telemarketing center by 10%. Senior member of marketing group and rebranding selection committee, selected First USA.

UNITED BANKERS CORP, WACO, TX

EVP, Retail Banking

1986 TO 1988

Leader of all aspects of retail banking in seven different unit banks. Managed the retail deposit platform, marketing areas and all lending areas including mortgage and small commercial lending. Grew lending assets 15% year over year. Responsible for all consumer asset quality and asset disposition. Improved deposit profitability by 10%. Recruited lender team members to build strategy. Member of senior loan committee. Built a student lending program as a new revenue stream.

EDUCATION
Graduate Southern Methodist University Banking School, Dallas, TX BS, Business Finance, Pacific Western, Long Beach, CA

PROFESSIONAL DEVELOPMENT & TRAINING

Building of Champions Coaching Professional Coaching, Bixler Group Xerox Sales Training Professional Development Program Toastmasters Various internal leadership courses

MEMBERSHIPS
Board Member, Consumer Bankers Association Board Member, County Forester Association

Terry B. Renoux

901.481.7184

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Consumer Bankers Association Mortgage Bankers Association Chamber of Commerce Senior member of Consumer Risk Committee. Member of ALCO. First United Methodist Church board Honorably discharged E-4 USAF 1978