Terrence Drayton
Founder, See Thru IT & Business ConsultingCommunity Development Loan Officer, SCCLF
I package, underwrite, and advise on commercial loans for the borrowers most overlooked by traditional capital — and I'm building See Thru IT & Business Consulting to bring that same clarity to small- and micro-business financing, consulting, IT and operations.
01 Portfolio
Sites & web apps I've built / shipped from my server.
A small atlas of projects I've built and hosted for clients on the same machine that serves this page — a custom-built server that's managed on-premises and fully secured with a web of the latest cybersecurity technologies.
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Dollar Records
-N- TapesStorefront and catalog for an independent record & tape shop. WordPress, hand-tuned theme.
dollarrecordsntapes.com
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Positive
ContactBrand site for a community-forward consultancy. Custom PHP front-end, contact pipeline.
positivecontact.net
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See Thru
ITMy consultancy's flagship — IT, financing, and operations help for small & micro businesses across the Southeast.
seethruit.net
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UNDRIP (demo site)
A narrative demo experience exploring the UNDRIP framework & the Trail of Tears — built on the transportpenny platform and hosted on the See Thru IT stack.
transportpenny.seethruit.net
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Coming soon
RenceRPT
A reporting & analytics product, in active build. Site not yet open to the public.
rencerpt.com In progress
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Coming soon
Drayton
Logistics LLCBooking, dispatch, & client portal for a Southeast regional box-truck and cargo-van delivery service. Custom PHP app — driver portal, flat-rate quote engine, and full admin CMS.
draytonlogistics.work In progress
02 Résumé
21 years across finance, operations and IT.
From branch leader to community development lender to consultancy founder.
“Our anxiety does not come from thinking about the future, but from wanting to control it.”
Logos are trademarks of their respective owners. Their use here implies no affiliation or endorsement.
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Apr 2026 — Present
Founder & CEO
See Thru IT & Business Consulting South Carolina
- Founded a hybrid IT-and-business-consulting practice serving small businesses, non-profits, and community organizations across the Southeast.
- Designs lightweight technology stacks paired with financial-readiness coaching: web presence, secure infrastructure, accounting hygiene, and capital-access strategy.
- Operates a Linux-based multi-tenant hosting environment to support client engagements end-to-end.
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Oct 2024 — Present
Community Development Loan Officer
South Carolina Community Loan Fund Statewide, SC
- Underwrites and structures small-business loans statewide, aligning each deal with mission-driven lending criteria, risk standards, and measurable community impact.
- Delivers tailored technical assistance to underserved borrowers — cash-flow review, credit readiness, and financial education for long-term sustainability.
- Builds and monitors a diverse statewide loan pipeline through outreach, partnerships, and portfolio review.
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May 2021 — Oct 2024
Small Business Specialist
TD Bank US Columbia, SC & Charlotte, NC
- Contributed to TD Bank becoming the #1 SBA lender across the US footprint.
- Drove ~8% YoY growth in deposit volumes and grew loan-origination revenue within market.
- Managed 2,000+ active commercial client profiles with cash-flow and credit-review support beyond the standard scope.
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Dec 2019 — Mar 2021
Universal Banker
Truist Bank (formerly BB&T) West Columbia, SC
- Owned consumer deposit relationships end-to-end: openings, closings, vault and cash balancing, lending referrals.
- Anti-Money-Laundering compliance, credit-risk monitoring, branch performance through deposit growth and referrals.
- Maintained a 100% customer-service satisfaction rating in a client-centric review framework.
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Feb 2018 — Dec 2019
Management Team / Shift Leader
Insomnia Cookies Columbia, SC
- Ran in-store, phone, and online order operations; managed inventory, loss prevention, and marketing rollouts.
- Built partnerships with local universities and businesses for events, catering, and brand activations.
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Aug 2013 — Apr 2016
Financial Care & Customer Care Representative
T-Mobile USA Tampa, FL & Richmond, VA
- Analytical troubleshooting and detailed account documentation across collections and customer-care queues.
- Credit-limit enforcement on new-equipment financing in compliance with privacy & debt-collection policies.
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Aug 2011 — Aug 2013
Financial Services / Overnight Manager
Amscot Financial Tampa, FL
- Check cashing, payday lending, prepaid credit, and wire transfers under strict AML compliance.
- Managed vault operations, branch revenue growth, and outbound collection calls under FDCPA guidance.
- Manual trend analysis on consumer ability-to-repay; exercised decision authority within consumer-loan limits.
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Summer 2017
Front Desk Night Auditor
Super 8 (formerly Microtel) Columbia, SC
- Managed overnight front desk operations including guest check-in, check-out, and room assignments for a full-service hotel property.
- Performed end-of-day night audit — reconciling daily transactions, balancing cash drawers, and generating financial reports for management review.
- Monitored property safety and security throughout overnight hours, responding to guest needs and resolving complaints with professionalism.
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Feb 2006 — Aug 2011
Store Manager
GameStop, Inc. Jacksonville, FL & Tampa, FL
- Managed daily retail store operations in a fast-paced, high-volume environment focused on gaming hardware, software, and accessories.
- Drove store performance through sales coaching, inventory control, cycle counts, and loss prevention practices.
- Led store marketing initiatives and maintained merchandising standards to maximize in-store visibility and sales conversion.
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Jun 2005 — Feb 2006
Crew Member
Wendy's Jacksonville, FL
- Prepared and served food orders to quality and speed standards in a high-volume quick-service restaurant environment.
- Handled cash transactions, maintained accurate drawer counts, and supported front-of-house and back-of-house operations.
- Maintained food safety, sanitation, and temperature compliance per health code standards.
Pedigree
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Nov 2023
Google IT Support Professional Certification
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Jan 2007 — Jan 2013
Bachelor of Science in Psychology
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Aug 2002 — Dec 2006
High School Diploma
Volunteering
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2026
Black Equity University — Speaker & Presenter
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2024 — 2025
LEAP — Volunteer Pitch Night Judge
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2024
Adult Financial Education — Course Series Instructor
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2023 — 2024
Small Business Seminar Presenter
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2023 — 2024
Entrepreneur Accelerator Program — Bank Sponsor
03 Experience (Core Competencies)
What I've built a feel for — by doing it.
A working inventory of competencies — sharpened in branches, on phones with regulators, across underwriting committees, and at the desk of a one-person consulting practice.
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/ 01
Commercial & Mission Lending
Originating, underwriting, and structuring small-business loans — from conventional SBA paper to mission-driven, impact-tracked community capital.
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/ 02
Financial & Credit Analysis
Cash-flow review, debt-service coverage, personal-and-business credit posture, and ability-to-repay analysis on consumer and commercial files alike.
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/ 03
Small-Business Advisory
Translating a balance sheet into a plan — pricing, vendor accounts, payroll, and the unsexy day-to-day of keeping a business solvent.
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/ 04
Compliance & Risk
AML, KYC, FDCPA-aligned collections, privacy, and credit-risk monitoring across consumer and small-business products.
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/ 05
IT Support & Web Hosting
Google IT Support certified. Operates a multi-tenant LAMP stack — Linux, Apache, MySQL, PHP — running WordPress & custom static sites, with end-to-end TLS encryption and hardened security baselines. Augments development, operations, and client tooling with AI-assisted workflows.
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/ 06
Teaching & Public Speaking
Speaker & presenter with BlacQuity at Black Equity University; pitch-night judge with SCCLF's LEAP; course-series instructor with SCORE; small-business seminars with the Greater Aiken Chamber; and accelerator bank-sponsor for Benedict College.
04 Passions
Off the clock.
An honest list. The things I actually spend hours on when nobody's paying me.
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Fatherhood
Twin daughters — double the energy, double the laughs, and a daily reminder that no career or hobby is more rewarding than watching them figure out the world.
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Vinyl record collecting
First-pressing hunts, dollar-bin victories, and a large yet precise library of jazz, hip-hop, and soul.
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Playing video games
Whether console or PC, from action-adventure to JRPGs, and anything with a quiet hour and a good soundtrack.
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Vintage anime — '80s, '90s, '00s
The cel-painted era. Cowboy Bebop, GitS, Macross, Akira — anything that still looks hand-drawn with the inventive fluidity and timeless stories that influenced the more standardized modern-day classics.
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Network engineering & Web dev
Subnets, DNS records, certs, routing — the plumbing layer of the internet, end to end.
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Analog audio equipment
Tube amps, vintage receivers, and the warm rolloff of a properly biased cartridge.
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Sightseeing & people-watching
Coastal drives, small downtowns, detours that don't make the itinerary — and the kind of people-watching that tells you more about a town than any guidebook.