Real Estate Sales

JOSEPH E. DELL, JR

[pic]

*** *. *** ******, *******, PA 15701, Home 724-***-****, Cellular 724-549-

****, abg4wn@r.postjobfree.com

Executive Summary

Executive Community Banker and Lending Professional: Highly accomplished

and results-oriented Community Banker and Lending Professional with a

progressive 25+ year record in all aspects of Commercial Banking including

credit administration, small business lending, commercial workout, retail

operations, and commercial lending. Significant involvement in developing

corporate growth strategies, implementing change for consumer and

commercial delivery processes, and leading revenue generation teams

successful at delivering the Bank. Outstanding leadership, organizational,

credit and communication skills.. A demonstrated ability to increase market

share through relationship and team building.

Highlights of Experience

. Lead the production group that increased the bank's commercial loan

portfolio outstanding from $1.3 billion to $3.2 billion and Commercial

Services Line of Business net income from $17.5 Million to $34.75 million

over (5) five years.

. Created a business model that resulted in $4.5 billion in new loan

originations, increased Commercial households by 7% in a stagnant market,

and improved services per households from 2.2 to 3.3.

. Established and executed a Tax-Exempt 501C3 lending strategy to compete

with Bond markets to enable community projects to be funded locally

resulting in $300 million outstanding with $100 million in deposit

balances, and other financial product sales.

. Assembled a Cash Management Services sales group and improved associated

revenues by 53% in 2009.

Managed, organized, and integrated the Consumer, Small business, and

Commercial loans divisions of a $6 billion regional bank while

implementing efficiency standards and best practices to support the banks

Community Banking philosophies.

. Opened new markets through the successful staffing and development of (4)

four Loan Production Offices from which $1.5 Billion in commitments were

originated, over (7) seven years.

. Recognized in a PDI 360 degree evaluation by peer, direct reports,

subordinates, and boss as being one of the best leaders in the Bank, as

well as consistently exceeding performance expectations.

. Conceptualized and spearheaded the consolidation of (9) nine banks' credit

cultures into a single culture requiring adding central functions where

appropriate, adding and consolidating experienced staff, determining

venues for support, and selling the idea to Bank Presidents.

. Participated in the due diligence process for (7) seven acquisitions over

a 12 year period on banks from $125 million to $1 Billion, providing

insight into commercial and retail loan quality, loan reserve allocations,

staff integration, cost savings, and revenue generation post merger.

Produced, presented, and implemented Board of Directors approved Strategic

Business Plans consistently over a 20 year period year.

Involved member of ALCO, Pricing and Margin, Credit, Executive Leadership,

Criticized Asset, and ALLL committees.

Employment Experience

Executive Vice President/Chief Lending Officer/Commercial Services Line of

Business Leader 2006 to 2010

FIRST COMMONWEALTH BANK ($6 Billion Community Bank in Western Pennsylvania,

115 branches) Indiana, PA

. Responsible for driving the overall financial results of the Bank's

Retail and Commercial lending activity and its staff of 185 employees.

Having eight (8) direct reports. (06 to 08) which included Small Business

Lending Group, Public Services Group, Commercial Services Group,

Commercial Real Estate Group Credit Administration, Special

Asset(workout), Retail collections, Floor Plan, Indirect auto, Consumer

lending and Cash Management group.

. Exceeded corporate loan growth and revenue expectations. Budgets for

loan growth ranged from 10% to 23.5%, with the highest commercial growth

being 42%.

. Directed origination, deal structuring, valuation of relationships,

and presentations to approving bodies of the bank for 30 lenders. Loans

booked grew from $535 million to $1.8 Billion in five years.

. Created and managed (6) six direct groups: Commercial Real Estate,

Regional Lending(middle market), Floor plan lending, Public Services,

Corporate Finance, and Cash Management Services.

. Produced, presented, and executed board of director approved annual

business plans which supported overall corporate objectives.

SVP Corporate Banking/Group Manager Corporate Real Estate and Central

Corporate Region 2001 to 2006

FIRST COMMONWEALTH BANK Indiana, PA

. Managed a portfolio of the Banks largest borrowers ranging in

commitments from $1M to $70M and a portfolio that grew from 29 borrowers

and $75 Million in commitments to 67 borrowers $435 million.

. Lead the lending activity in a fifteen county area including

relationships in Corporate and Commercial Real Estate, mining, energy,

manufacturing, agriculture, not-for-profits, healthcare, and

municipalities.

. Coached and managed a group of (9) nine Sr and Jr Lenders, the Small

Business Underwriting, and a group of 24 Business Bankers.

. Responsible for opened, staffed, and managed Loan Production Offices

in Pittsburgh, State College, and Canonsburg, PA as an integral

component for the growth requiement in the corporate strategic

plan.Budgeted growth was exceeded.

. Created and executed on approved corporate annual business plans to

support the required growth in commercial loan volumes.

SVP/Senior Lending Officer 1998 to 2001

FIRST COMMONWEALTH BANK Indiana, PA

. Recommended and directed the consolidation of 9 collection areas into

one central location reducing collectors from 33 to 18 and improving

delinquency.

Responsible for the entire lending consumer and commercial, as well

as workout and collections, credit administration and credit analysis.

. Hired and managed staff of 4 retail loan group managers including

indirect auto, mortgage, installment, and home equity. Total portfolio of

$1.8 billion.

. Reduced indirect lending units from (7) seven to (3) three reducing

staff from 38 to 15 while increasing outstanding and improving

efficiency.

. Initiated a central corporate lending area and credit analysis area

while hiring a chief credit officer, staffed through internal transfers

and hiring 8 new commercial lenders over a two year period.

. Managed a portfolio of 125 customers consisting of borrowing and non-

borrowing relationships with market of up to $750M in annual revenues,

credit needs of $75M in loans.

. Centralized the mortgage function for the entire bank, post the (9)

nine bank consolidation to one charter. Hiring a chief mortgage officer.

. Consolidated documentation area from (9) nine to (3) three while

implementing standardized automated documentation system to create

consistency over a two year period.

EVP/SVP Corporate Banking/VP Corporate Banking/Credit Administration

1985 to 1998

NATIONAL BANK OF THE COMMONWEALTH($600 Million Bank with 20 branches)

Indiana, PA.

. Initiated a loan review program to support examiner requirements.

. Selected and implemented a consolidated financial statement analysis

package that reduced preparation time and standardized presentations.

. Managed all aspects of credit analysis on a daily basis.

. Interacted with loan officers concerning client financial ability.

. Managed a portfolio of 100 customers consisting of borrowing and non-

borrowing relationships with market of up to $500M in annual revenues,

credit needs of $15M.

Built relationships with customers in the mining, natural gas, agriculture,

construction, and small business industries

. Managed the day-to-day operations of the credit adjustment

department; handling workout and credit remediation, and managing bank

wide delinquency.

. Managed all aspects of lending and cultivation of new deposits and

loans.

. Responsible for retail lending,19 branch operations, and commercial

lending for a $600 million bank.

AVP Lending and Collections 1982 to 1985

First National Bank of Carmichaels Carmichaels, PA

. Serviced the credit and non-credit financial needs of existing

clients, maintaining a positive relationship to enhance future business.

. Managed the day-to-day operations of the credit adjustment

department; handling customer questions, concerns and complaints, while

attaining a department delinquency well below industry standards.

. Responsible for the purchase of retail sales contracts from dealers

within growth, loss and yield parameters set by management.

. Personally interviewed applicants; analyzing credit information; and

closing various types of consumer loans.

. Created Loan policies under the request of the Banking regulators.

Education

Banking 1992

Stonier Graduate School of Banking University of Delaware

Graduate research project was entitled, "*80/20 Sales Culture for Banks."

M.B.A., Business 1985

Waynesburg College Waynesburg, PA

Graduation thesis on "Banking Deregulation and its Effect on Community Bank

Capital".

B.S., Real Estate 1978

Clarion State College Clarion, PA

Community Activities

Board of Directors

Indiana County YMCA Indiana, PA

Finance Committee, Membership Committee, Board Development Committee,

Executive Search Committee, Capital Campaign Chairman

Coach/Manager

Indiana Youth Sports Indiana, PA

Coached Y-ball, Little League, Girls softball,. Elementary Boys Lacrosse

Basketball Official

PIAA Pennsylvania

Officiated High School Basketball

Campaign Chair Heart Walk

American Heart Association Indiana County

Volunteer

Graystone Presbyterian Church, Indiana Revolving Loan Fund, United Way,

Visiting Nurses, Allegheny Valley School Campaign Chair, President of the

St. Bernard's PTG, Southwest Pa Revolving Loan Fund Indiana, PA

Contact this candidate