Alexander Jamieson

PO Box ***

Sugar Loaf, NY ***81

845-***-****

Objective

Pursuing an opportunity where I will be able to utilize my fifteen plus years as a Commercial

Lender and Underwriter, using my management and interpersonal skills, to not only allow myself

to grow personally and professionally, but to firmly contribute towards the achievement of the

mission and values of your company.

Professional Experience:

Savoy Bank, New York, NY

9/13 – Current

VP – Commercial Lender

• Responsible for underwriting of all loans for committee and board approval.

• Evaluate potential customer loan requests and make loan recommendations to

management and loan committee.

• Established and negotiated rates and terms to comply with credit policy.

• Prepare loan packages for loan committee and board meetings.

• Effectively manage and direct the loan process from application to closing.

• Willingness to take on additional projects as needed.

Union Center National Bank, Union, NJ

12/12 – 8/13

VP – Commercial Lender

• Relationship Manager responsible for $192MM loan portfolio, consisting of 102

business clients located throughout metro area, including NYC and five boroughs

• Service Portfolio to include cross selling all bank products

• Responsible for full underwriting of all loans including bank’s SBA loans for committee

and board approval

• Average loan size of portfolio is $500M - $3MM.

• Sales size range of businesses is $1MM - $20MM.

• Portfolio consisted of SBA, CRE and C&I loans

• Evaluate potential customer loan requests and make loan recommendations to

management and loan committee.

• Effectively manage and direct the loan process from application to closing.

• Established and negotiated rates and terms to comply with credit policy

• Prepare loan packages for loan committee and board meetings

• Monitored loan repayment activities

• Oversees the collection of delinquent business loans and manages special mention and

criticized loans to ensure proper risk mitigation and/or work-out procedures are followed.

• Performed other duties and special projects

• Maintain knowledge of current regulatory requirements for residential and commercial

lending and implementing any changes required. Assist Compliance Officer with up-

dating of lending policies.

• Setting rates on loans sold. This includes completing the loan presentment, locking the

interest rate and funding the loan.

• Develop and manage secondary market outlets

Greater Hudson Bank, Monroe NY

11/11 – 12/12

VP – Lending Officer

• Working for this $300MM asset size bank, grew commercial business portfolio $34MM

• Portfolio consisted of CRE, Construction and SBA loans

• Service Portfolio to include cross selling all bank products

• Average loan size of $500-$3MM

• Actively participated in all of bank’s SBA loans including underwriting and presentations

• Working with CEO, created and then supervised and managed the residential mortgage

department, including originating, underwriting, selling and servicing of all residential

and consumer loans.

• Stayed abreast on updated residential mortgage regulations and legislation, as well as

other policy changing events that effected the residential department

• Developed and managed secondary market outlets for loans

• Service Portfolio to include cross selling all bank products

• Researched and recommended policy, procedure and product changes or enhancements

• Evaluate potential customer loan requests and make loan recommendations to

management.

• Assumed responsibility for the credit quality and ongoing soundness of the lending

portfolio, including accurate and complete credit files, ongoing quality control and

acceptable loan review ratings.

• Monitored and up-dated pricing to remain competitive while meeting income needs of the

Bank. This includes surveying the competition and making recommendations to CEO

and Board of Directors.

• Managed and supervised departments responsible for loan workouts, foreclosures and

loan servicing

• Provided leadership and oversight of the loan approval process, adhering to bank

guidelines and policy.

• Interviewed loan applications and collected and analyzed financial related data, to

determine the credit worthiness of the loan applicant and the merits of the specific loan

request.

• Established and negotiated rates and terms under which credit will be extended

• Performed other duties and special projects as assigned by management

• Primary responsibility for CRA and HMDA reporting, as well as achieving satisfactory or

better audit ratings in those areas.

• Achieved highest ratings on external audits and regulatory reviews of loan portfolio

• Made recommendations regarding management of the bank in such areas as advertising,

customer service, and community outreach activities to gain greater visibility. Made

recommendations about daily operation of the bank to help achieve maximum efficiency.

Bank of America, NY

2/2007- 11/2011

VP/Client Manager/Team Leader

• Responsible for the supervision and management of the team’s lending activities for the

team’s $900 million portfolio.

• As a Relationship Manager, managed portfolio of $175 Million Dollars consisting of 125

Commercial Business Clients throughout the NYC Metro area

• Sales size range of businesses -$5MM-$75MM

• Loan size of $1MM-$20MM

• Responsible for underwriting all loans for approval including SBA loans

• Responsible for the credit quality and ongoing soundness of the lending portfolio;

including SBA loans, accurate and complete credit files, ongoing quality control, loan

servicing and acceptable loan review ratings.

• Managed the collection of delinquent business loans, foreclosures and criticized loans to

ensure proper risk mitigation and/or work-out procedures were followed.

• Service Portfolio to include cross selling all bank products

• Ensured proper structure and pricing were consistent with bank credit policy

• Revenue Portfolio Growth in 2010 was 107% of goal

• Monitored portfolio for credit quality

• Top achiever in building business development and maximizing customers sales

• Achieved highest ratings on external audits and regulatory reviews of loan portfolio

Commerce Bank, NY

03/2002-2/2007

VP/SB Team Leader/Commercial Lending

Portfolio Manager for 75 Commercial Customers

• Managed daily operations of small business and consumer lending departments, including

mortgage originations, commercial origination, consumer origination, and servicing of all

loans. Department was comprised of 35 employees

• Managed lending department staff, including hiring, scheduling, training, performance

evaluations and disciplinary actions.

• Responsible for all aspects of underwriting including write-ups for committee and SBA

loans

• Portfolio consisted of C&I customers throughout five boroughs

• Was bank’s regional lender for SBA loans

• Worked closely with construction loan department and other affiliates in closing complex

transactions.

• Portfolio Growth Revenue averaged 15% increase over the 5 years

• Maintained and expanded new business sources

• Developed strategic merchandising plans for specific customers

• Advised businesses in developing new vendors and suppliers

Provident Bank, Montebello, NY

1/1998-3/2002

AVP/Business Manager

Managed Regional Branches for multi- million dollar regional bank

• Increased Deposit Growth over $15 Million Dollars per year

• Managed and supervised staff comprising of six Branch Managers and branch employees.

• Was involved in opening new branches including purchasing equipment and other

materials essential for day to day operations

• Was involved in vendor programs for specific businesses

• Primary responsibility for CRA and HMDA reporting, as well as achieving satisfactory or

better audit ratings in those areas. Maintained the Public File required under CRA.

EDUCATION

• BS in Finance, Empire State College

• Completed Certified Credit Training Program with Commerce Bank in 2003. Curriculum

comprised of a 16 week, 5 days a week credit training program in Cherry Hill, NJ

ORGANIZATIONS

• Supervisor, Town of Chester 1/2014-Present, member of Town of Chester Town Board

since 2006.

• Orange County Chamber of Commerce

• Hudson Valley Patterns for Progress

• NY Business Council

• AOH

• Chester Kiwanis

• Knights of Columbus

• City Of Newburgh Housing and Loan Committee Member

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