John Curlin
Vice President
Premium Strategies Group

John Curlin has been involved in the financial services and banking industry since 2002. Following four years of active duty service as an officer in the U.S. Army, he began his banking career with a large south eastern regional bank. He served in multiple leadership roles and received training in all areas of banking with a main emphasis on credit suitability, cash flow analysis, and commercial loans.
Prior to joining the Premium Strategies Group, John worked as the Team Leader for FirstBank’s Memphis Commercial Real Estate group. In this role, he provided strategic guidance for both, the Residential Development and the Income Producing divisions as well as in-depth credit analysis of commercial real estate investment companies and their underlying assets.
As a Vice President in the Premium Strategies Group, John now serves institutional clients nationwide by assisting them in focusing on those products and strategies that fit their needs. His strong banking and regulatory knowledge coupled with his extensive computer-based analytic capabilities and product expertise enable John to provide a superior level of service to his clients.
John provides his clients with unique services that differentiate him from other investment professionals. These services include:

• Quarterly color graph studies with specific short and long term recommendations for earnings improvement and/or risk reduction
  
• Monthly reporting of projected cashflow ladders including prepay and call feature estimates
  
• Instant notification and well documented explanations of trade opportunities when bonds brought into inventory match a customer’s holdings
  
• Superior analytics prior to trade execution interfacing Bloomberg information with LOTUS spreadsheets to provide concise summaries of the risks and rewards of various investment opportunities
  
• Documentation packets after each trade executed that include a summary of the reasons for the trade as well as all required regulatory supporting documentation
  

John is currently studying as a candidate for the Certified Commercial Investment Member (CCIM) designation. CCIMs must be proficient in the areas of investment analysis, market analysis, user decision analysis and financial analysis for commercial real estate.
John is a graduate of Wheaton College where he was a Distinguished Military Graduate and earned a Bachelor’s degree in Business and Economics. John has completed the Financial Industry Regulatory Authority (FINRA) licensing and registration programs Series 7 – General Securities Representative and Series 63 – Uniform Securities Agent State Law examinations. He and his wife Laura, along with their three children, Reid, Sarah Mia, and Lolly Patten, reside in Memphis.