BANKING

QUALIFICATIONS

Strong background in the mortgage lending industry. Broad experience in loan processing, underwriting, closing, and new accounts sales. Key person in the rapid growth of two branches of a savings and loan. Highly knowledgeable of conventional type processing and experienced with FHA and VA financing. (loan processor)

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Established an excellent reputation for providing outstanding service for home buyers and agents alike. Quick and accurate processing, leading to timely closings, has resulted in strong repeat business with real estate companies. (loan processor)

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Thirteen years of increasingly responsible managerial positions in the banking industry. In each position held, consistently introduced new methods and equipment which produced substantial savings and increased revenue.

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Broad background in commercial lending with strong business development experience. Extremely thorough in analyzing loan applications.

EMPLOYMENT

Process all loans for this rapidly growing branch. Review each file for necessary documentation, clear the title, confirm accuracy of all credit and personal data supplied in the application, and handle questions from customers and real estate agents. (loan processor)

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Developed and directed a team of high achievers to success in market penetration, profitable growth, and development of new ventures. Expanded National Accounts’ new business efforts four-fold and developed targeted marketing strategies in five new market segments.

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Fostered the creation of a Cash Management Division which formalized product delivery and expanded the market position. Managed the 33% average annual increase in earning assets, including a five-fold increase in Trade Finance assets, while controlling portfolio quality and diversity. Improvements in branch relations produced 20% annual increases in international service volume and fee income.

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Developed the MICR Quality Control Unit which produced documented savings of $1.9 million by reducing prime pass check processing rejections 19%.

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As a savings representative/investment counselor, work closely with customers to evaluate needs and required liquidity. Explain features of each type of account and help customers select the best one for personal needs. Opened a $1 million twelve-month account and numerous $100,000 CDs. Have successfully demonstrated the benefits of longer deposits and have convinced many to select accounts with deposit periods longer than originally planned.

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Solicit, establish, and service commercial accounts and handle all types of lending including SBA loans, term loans, unsecured lending, contractor financing, A/R financing, and commercial real estate loans. Solicit and obtain loans ranging from $250,000 to $30 million and carry each loan through all steps of the lending process. Work closely with accounts to determine the most suitable type of loan and to work out conditions acceptable to both the bank and the customer. Consistently meet or exceed all quarterly quotas.

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Accepted loan requests and made credit evaluations. Approved or declined loan requests and maintained a record of less than 1.5% delinquencies on an installment loan portfolio of $16.8 million. Collected on past due accounts, and through highly effective collection procedures, kept collection costs 87% below budget.

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As branch manager, responsible for all internal branch operations including loan development, credit approval, supervising delinquency adjustment and litigation, and staff hiring and training. Increased loans outstanding from $1.5 to $2.8 million in 14 months and created the first profits for the branch in five years. Delinquencies were reduced from 4.7% to less than 1%.

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Direct all activities of the marketing department and have played a key role in creating income growth averaging 12% annually since 1996. Oversee all daily department functions including market research, internal communications, advertising agency relationship, new product development, media advertising, public relations, and sales training. Manage an annual budget of $750,000. Marketing and sales programs developed in the first year resulted in a 16% increase in deposits (4% industry average) and growth in annuities sales from $4.5 million to $8.9 million.