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SVP | Growth and Marketplace
James Spence
Tampa, FL · SouthState Correspondent Division
Community banks deserve the same caliber of tools as the megabanks. Your community relationships are the edge. The right tools should sharpen them, not replace them.
20+ years across hospitality, financial technology, and marketing, bringing a cross-industry lens to community banking and designing tools that prioritize customer experience as deliberately as financial performance.
ExploreFeatured Work
Pricing
Loan Command
All-in-one loan pricing platform built for community bank credit teams.
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Industry
Probability of Default
Real-time PD lookup across 413 NAICS industries for C&I and CRE underwriting.
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M&A
Acquisition Risk Tool
FDIC-powered scoring engine that benchmarks community bank M&A vulnerability.
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Fee Income
ARC Loan Calculator
Interactive model for Adjustable Rate Conversion pricing and fee income.
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Strategy
Innovation Self-Assessment
25-question diagnostic measuring innovation readiness across four pillars and AI maturity.
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