*CASE EXAMPLE*Super-Regional Bank Commercial Case StudyConfidentialSituation: 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 SBLObjective: To make the corporate bank sought by customers, feared by competitors and a source of pride for employeesQuestion:If you were the engagement manager on this job, what would be your approach and potential solution?