'Super-Regional Bank Commercial Case Study Confidential Situation: · Super regional bank holding company in the southeast with corporate/commercial operations in eight franchise states · Separate charter in each state · Grown through multiple acquisitions · Customers of all sizes · No focus on commercial bank · Good credit quality but inconsistent credit underwriting skills · Commercial bank is not providing a high quality of service to customers - turnaround time - approval by committee - errors · Account officers not actively calling on prospects · Not attracting and retaining the best account officers · Friction is growing between the account officers, product units, and credit administration · Rapid growth and lack of business focus and segmentation in commercial banking have contributed to commercial banking problems · Cost and credit controls have tightened while the bank has actively acquired new banks thereby complicating the commercial banking process · Unable to determine profitability--especially important to SBL Objective: · To make the corporate bank sought by customers, feared by competitors and a source of pride for employees Question: If you were the engagement manager on this job, what would be your approach and potential solution? ......