JOSEPH O. MADIANY, MBA

**** ******** ******,

Linwood, PA 19061

484-***-**** or

484-***-****

acfy2l@r.postjobfree.com

EXPERIENCE MGB Consulting Group, Linwood, PA

**** - ******* ********* & CEO

The consulting firm provides highest quality financial and

business solutions to individuals and organizations. The

firm is involved in first class business and credit

solutions to large, middle and small businesses to enhance

leverage necessary towards corporate strategic goals.

Products:

Business Consulting, Loan Underwriting

Collateral Evaluation, Business Plans

Industry Analyses, Portfolio Management

Market Analyses, Country Analyses

Financial Statement Analysis, Business Presentations

Business Valuation, International Business

Business Due Diligence, Business Tutorials

Loan Covenant Review, Loan Closing Facilitation

Business Writing, Real Estate Appraisal Review

Business Loan Review, Contract Evaluation

Inventory Field Examination, Real Property Management

A/R Management Construction Loan Management, Business Advocacy

Swahili Tutorial, Underwriting Training Program

EXPERIENCE Nova Bank, Philadelphia, PA

2006 - 2012 Vice President - Senior Credit Officer

.Analyzed corporate and personal financial statements and

tax returns and other financial

information provided by customers in connection with any

new loan requests assigned in

addition to those submitted for the completion of renewals

and reviews for current credit

relationships.

.Did spread financial statements from borrower.

.Performed due diligence, ordered credit histories, D&B and

relevant searches on new and

existing customers.

.Analyzed financial statements, business and personal tax

returns from borrowers for RM or

PM, including financial projections, and sensitivity

analysis (upon request)

.Working in conjunction with the RM and PM to prepare

underwriting memorandums for

submission to the appropriate approving authority.

.Upon direction of the RM or PM, Interacted with customers,

management, and their

Accountants in the credit analysis process.

.Performed other duties as assigned by the Management of

Credit Administration Department. .Worked closely with

Chief Credit Officer, Chief Lending Officer, Relationship

Managers, and

customer service personnel during the loan underwriting

process.

.Managed the Credit Administration Department.

.Loan Committee presentation experience.

1998 - 2006 PNC Bank N.A., Eastwick, Philadelphia, PA

Assistant Vice President - Commercial Banking Underwriter

.Analyzed commercial loan requests < $3,000,000 for the

entire bank business footprint.

.Performed portfolio management; loan reviews, extensions,

renewals, modifications. .Monitored policy and covenant

compliance.

.Liaison between Credit Center, Community Development, SBA

loans, and PNC Advisors.

.Conducted an in-house Formal Credit Underwriting Program

for new Credit Underwriters.

.Awarded 2 (two) BRAVO AWARDS for service excellence.

1996 - 1998 WELLS FARGO BANK, Brandywine Business Park, West Chester,

PA

Banking Officer - Commercial Credit Underwriter

.Interacted with relationship managers, customers, and

prospective clients to assess needs.

.Provided RM and PM with credit analysis support, including

spreads of financial statements. .Structured loans to suit

customers need.

.Actively participated in the orientation of new credit

analysts, RMs and PMs.

1992 - 1996 CITIZENS BANK, Public Square, Wilkes-Barre, PA

Customer Service Representative

.Assisted in developing new business by responding to

expressed customer/ prospect needs

.Knowledgeable in corporate products and services. Skilled

at suggesting appropriate services.

.Assisted branch management in all areas. Opened and

maintained deposit and loan accounts .Actively participated

and excelled in product telemarketing campaigns.

1989 - 1997 KING'S COLLEGE, Wilkes-Barre, PA

Adjunct Instructor

Classroom and public topical presentations. class

instructions, student evaluation and grading. Researched

economic issues. Panels on Third World social, financial,

and economic development issues.

EDUCATION Wilkes University, Wilkes-Barre, PA May 1996

Master of Business Administration (MBA) - Managerial

Accounting

King's College, Wilkes-Barre, PA August 1988

Bachelor of Science - Economics, Minor in Finance

PAST HONORS & Honors Program, Dean's List

ACHIEVEMENT Consultant, African Cultural Studies, King's College, PA

Member, America Institute of Banking, PA Chapter

Steering Committee, The Peace Center, Wilkes-Barre, PA

Advisory Board, The Diversity Institute, College Misericordia, Dallas, PA

Member, World Affairs Council of Philadelphia, PA

President, Allenpower International Organization,Brookhaven, PA

References Available upon request or see LinkedIn Profile

.

Contact this candidate