Thomas M.

Collaborator
DISC Type : is

Vice President-Credit Officer at Citibank NA

United States

Overview

A Vice President-Credit Officer at Citibank with over 32 years of experience in commercial banking. He is a proven lender specializing in underwriting complex credit transactions for mid-market companies, with deep expertise in commercial real estate, working capital, and equipment financing.

He has a strong interest in the financial markets, actively following news and commentary from publications like The Wall Street Journal and leaders at major institutions such as JPMorgan Chase. He describes himself as a client advocate with a "go-go attitude. "

His background as a financial regulator provides him with a specialized understanding of financial statement analysis and commercial deal structuring.

Personality Overview

Consensus Builder

Appreciative

Fair-minded

They are more likely to go for proven solutions.  Unlike D or C types, they are calm as well as friendly and can give the impression of being more receptive than they actually are. Win-win scenarios can appeal strongly to them.

Topics They Care About

Commercial Credit
His career focus is underwriting complex credit for mid-market companies, including real estate, working capital, and equipment financing.
Financial Analysis
His background as a regulator gives him a specialized, in-depth understanding of financial statement analysis and deal structuring.
Market Commentary
Actively follows market news and perspectives from financial industry leaders, as shown by his interest in The Wall Street Journal and JPMorgan Chase.

Media Appearances

Thomas has no verified media appearances

Work History

10-2016
Vice President-Credit Officer at Citibank NA
10-2016
Vice President Credit Officer at Citi
3-2014 - 10-2016
Vice President Commercial Lending at First Command Bank
4-2013 - 3-2014
Credit Approval Officer at JPMorgan Chase
6-2012 - 4-2013
Vice President - Client Manager at Bank of America

Education

Education details unavailable from Grand View University

More Information

Social Presence :

Prographics :

Exp : 13 Location : United States Job Level : Senior Designation : Vice President-Credit Officer at Citibank NA
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Insights For Selling To Thomas

During A Call Or A Meeting

DO's

  • Show them how they look good by making this decision
  • If possible, involve their colleagues in the sales process
  • Summarize the key points at the end of the conversation

DONT's

  • Don’t push them to make decisions very fast, let them take their time
  • Avoid unnecessary confrontation if it arises incidentally
  • Don’t sound very transactional

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Thomas is

  • Relationship and rapport play a major role, followed by low risk and the presence of proof points.
  • Will you ever get a clear answer from Thomas

  • They are diplomatic when the need arises; they hardly ever say a direct no.

Insights For Deal Planning

    How fast (or slow) will Thomas move?

  • They can take their time to reach decisions, even while they stay engaged and friendly.
  • Can Thomas take some risk or not?

  • They are unlikely to take many risks.

You And Thomas

Personality Compatibility


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