RICHARD KREMP

Wake Forest, NC 27587

(732) 672-8267 (Cellular)
rrkremp@gmail.com

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BANKING LEADERSHIP QUALIFICATIONS

Banking Executive with twenty five years of progressive experience culminating in area-wide, multiple-branch
accountability for the organization development, and direction of strategic planning, operating, and market
development efforts, emphasizing creation and cultivation of direct markets for a broad array of investment, loan,
and ancillary products targeting consumers and small business.
• Background encompasses significant exposure to all phases of investments, consumer and business lending,
and branch banking operations.
• Proactive communicator, facilitator, and leader with a well-defined business vision, supplemented by a strong
marketing orientation, and the capacity to utilize and integrate diverse resources in achieving business
objectives.

CAPABILITIES AND ACCOMPLISHMENTS

Business Development

Considerable experience in conducting successful programs to expand investment and lending portfolios
and deposit base, emphasizing accountability for ten financial centers in the Central New Jersey market
with total deposits of $600 million and annual loan growth exceeding $250 million.

• Conducted detailed analyses of existing market landscape and competitive influences, assessing
customer requirements, economic conditions, business trends, institutional profile, and other factors
impacting potential market success.
• Established realistic, attainable objectives, developed and implemented strategic marketing/sales plans,
and generated statistical sales tools to facilitate their accomplishments.
• Created infrastructure facilitating business turn-around and market development. Built and guided
efforts of high-performance business development teams, who successfully and consistently achieved
designated profitability and market share growth objectives. Regularly attained ranking in the upper 10
of 270 financial centers institution-wide.
• Planned and orchestrated initiatives, producing dramatic improvements among all business
developmental categories including:
 271% improvement in a new deposit levels from $70 million in 2007 to $190 million in 2008.
 255% improvement in investment sales from $900 thousand to $2.3 million over the five-year
period from 2003 to 2008.
 833% improvement in small business loan growth from $4.2 million to $35 million over the
five-year period from 2003 to 2008.
 475% improvement in growth of all loans from $60 million to $285 million over the same
period.
• Created a proactive customer service culture, promoting goodwill and enhancing customer satisfaction,
while contributing significantly to market and revenue growth.
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Management

Significant background in initiating and administering efforts to enhance organizational and business
development through utilization of effective planning, recruitment, training, and management skills.

• Analyzed and organized operations, instituting and/or enforcing policies, procedures, and controls
governing aspects of operations including business development, customer service, human resources,
and information management.
• Ensured compliance of operations with established performance, quality, and regulatory standards.
• Established and cultivated strong community relationships enhancing institutional profile and reputation
within communities area-wide.
• Coached, trained, and mentored personnel, guiding employee and team development in areas including
product knowledge, prospecting, resources utilization, and gaining commitments.
• Evaluated and developed performance management initiatives, utilizing incentive programs to
communicate performance expectations and motivate field personnel in attainment of objectives.
• Recruited, selected, assigned, supervised, motivated, and evaluated performance of staffs exceeding 100
personnel.

BANKING BUSINESS EXPERIENCE

Sun National Bank, Pennington/Lawrenceville, NJ 1/09 – 07/2010

Wachovia (formerly, First Union, First Fidelity, Dime, and Starpointe Banks) 09/84 to 11/08
Vice President/Sales Leader (Bernardsville, New Jersey – 1998 to 2008t)
Branch Manager (Basking Ridge/Bernardsville/Warrant, New Jersey – 1993 to 1998)
Assistant District Manager (Somerset, New Jersey – 1990 to 1993)
Operations Manager (Somerset, New Jersey 1998 to 1990)
Assistant Branch Manager (Plainfield, New Jersey – 1987 to 1988)

EDUCATION

St. Petersburg College, St. Petersburg, Florida

Business Administration Curriculum

PROFESSIONAL DEVELOPMENT

Completed employer-sponsored training programs, courses, and workshops including the following:

• Ninth House License (Wachovia Management Training)

• Consumer Bankers' Guide to Small Business
• Customer Retention
• Small Business Consulting Skills
• Regulatory Compliance & Sales Standards