New York 14564
Raymour and Flanigan
Sales Manager July 2009 – Present
Manage the showroom floor and sales associate selling the product lines of the largest upstate New York furniture retailer.
Real Lease, Inc.
Underwriting and Credit Manager August 2007 – May 2009
(Reason for leaving: Laid off during slow economic times)
Responsible for the underwriting of company lease prospects and proposals to financial affiliates. I am responsible for independently conducting credit analysis according to policy and sound credit decision making and preparing decision documents for credit actions. Duties assigned to the Credit Manager included managing the companies credit line, working with clients to provide equipment availability and credit limits for future funding, daily monitoring of the collection area for actively working past due accounts, manage the sales team for contact performance and attention to credit guidelines. Included in this process is the review and preparation of credit information and the structure of the information into a common presentation so as to complete the necessary presentation for approval of our financial partners. Necessary of this preparation is knowledge of banking terminology, processes, products (lines of credit, letters of credit and term loans) and required information for a competent credit decision. Position carries credit approval authority and management of the company’s warehouse line of credit. Applied a knowledge and source of participating banking institutions to develop a workable relationship for funding. Created a credit policy for the process of an ever growing company to meet government review policies and procedures. Collection efforts were coordinated through my direction. Communication within the company and outside of the company, both verbally and written, were a must have skill.
Five Star Bank
Vice President, Relationship Manager December 2006 – July 2007
(Reason for leaving: Manage a Credit Department)
Responsible for the management and growth of a $24MM loan portfolio. Analyzing financial information obtained from clients to determine strategies for helping clients meet their financial objectives. Answering clients’ questions about the purposes and details of financial products, services and strategies. Included in this was the restructuring of some inherited classified loans so as to better ensure the protection of the bank and to ensure the bank receives more return for the inherent risk with the credit. Areas covered include Ontario, Monroe, Wayne and Livingston counties. Cross sell of related products from retail to deposit was expected. Financial analysis of company financial statements to include cash flow and financial ratio analysis and completion of a credit memorandum was a necessary part of the position.
Citizens Bank January 2004 – December 2006
Vice President, Relationship Manager
(Reason for leaving: I was recruited by former supervisor to go to Five Star Bank)
Responsible for the management and growth of a commercial loan portfolio and its rate of return to the Rochester Region. Also accountable for the growth of depository relationships, retail product growth, investment, international and other ancillary business referrals, including fee based products. Worked within the business banking team to coordinate calling and business generation efforts in the Rochester and Finger Lakes geographic market. Credit underwriting, risk management, portfolio management, deal flow management, analysis of the financial statements, indices and translation of accountant prepared statements into a bank standardized format and working within the entire bank to ensure effective management of loan procedures, policies and proper loan closure were the duties of the Loan Officer. A formal credit training process was completed on a continual basis.
National Bank of Geneva March 2003 – January 2004 Vice President, Commercial Banking
(Reason for leaving: Bank was restructuring commercial lending division)
Responsible for the management of a loan portfolio in excess of $20MM. Included in this were traditional commercial and industrial as well as agricultural loans. Management duties included the mentoring of new loan officers to the bank.
Community Bank, N.A., Newark, NY September 1997 – March 2003
Assistant Vice President, Commercial Banking
Responsible for the development of new banking relationships, with an emphasis on lending to commercial clients. Manage a commercial loan portfolio in excess of $23MM, including the management of seven branch locations. This entails the responsibility of the entire loan generation for these branches. Developed customer relationships via referrals from business sources and concerted calling efforts. Individually secured in excess of $4MM in commercial loan volume in the down turned economy after recently moving to the Finger Lakes Region. Serve as the Bank Lease Program Coordinator for the Bank’s Leasing agent. Emphasis is placed on selling all bank services to customers, ranging from loans (including Small Business Administration guaranteed and industrial development agency participation) to leases, deposit accounts, cash management services, trust account and merchant card services.
Â· Consistently exceeded loan volume goals,
Â· developed new structure of lending team,
Â· Managed the leasing department for Bank.
Mellon Bank, N.A., Harrisburg, PA September 1994 – September 1997
Assistant Vice President, Commercial Banking/Private Banking
(Reason for leaving: Moved back to NY to take care of ailing father)
Â· Exceeded loan volume goal each year,
Â· Leading generator of loans in 1996.
Key Bank of New York, Buffalo, NY August 1987- September 1994
Commercial Loan Officer September 1990 – September 1994
Consumer Loan Officer June 1988 – September 1990
Management Trainee August 1987 – June 1988
Canisius College, Buffalo, NY Dual Major: B.S. Management and Marketing, May 1987