Rick Holtzman

Mr. Holtzman brings to Ceto and Associates broad experience in retail banking and bank consulting, specializing in revenue enhancement programs. As Senior Vice President of the Consulting Services Group, Mr. Holtzman is responsible for managing all Market View projects and their respective project teams. Mr. Holtzman has been a consultant with Ceto and Associates for over ten years and has managed more than 300 projects across 40 states and Canada.

Prior to Ceto and Associates, Mr. Holtzman was a Senior Financial Analyst with Market Line Associates, a firm that specializes in account and customer profitability. By producing bank-wide diagnostic studies, Mr. Holtzman developed models to identify and classify customer profitability segments for operational and marketing purposes for community and regional banks in the Unites States, Puerto Rico and The Netherlands. Earlier in his career, Mr. Holtzman served in retail banking for Branch Banking & Trust (BB&T) and Wells Fargo Financial, originating mortgage and consumer loans, lines of credit, credit cards, insurance and all deposit products.

Representative Accomplishments

• Performed revenue enhancement consulting engagements for over 300 community banks and credit unions across 40 states and Canada; including identification and quantification of benefits, implementation assistance, design of performance measurement and monitoring systems, and ongoing consultation and support. Mr. Holtzman developed the structure and framework for all three phases of the Market View process in use today.

• Managed project teams to identify cost variances and re-negotiation opportunities for select third party contracts. Re-negotiated renewal agreements with vendors below previous cost structure, as well as assisted in RFP preparation for system conversions.

• Performed bank-wide profitability analysis for multi-billion dollar national & international financial institutions including ABN AMRO, FirstMerit Bank, Associated Banc-Corp, Commerce Bank, Hancock Bank, First Bank & Trust (Louisiana), LaSalle Bank, Union Planters Bank, Oriental Financial Group, etc.

• Analyzed geographic, market trend and customer dynamics to recommend branch re-engineering and marketing initiatives.

• Consulted clients in product management, costing solutions (overhead, salary, etc.) and budgeting.

Education

Georgia Southern University, Statesboro, Georgia

BBA in Finance – Bank Management Cum Laude/University Honors Program