Manager Real Estate

Carlo DiMaria

*** *, ******* *****, ********, IL 62236-1101

Cellular 314-***-**** Fax 636-***-**** – ************@*****.***

SENIOR-LEVEL BANKER/ANALYST

Resourceful, innovative lender focused on solving complex problems. Recognized for his ability

to develop plans for growth and profitable departmental operations. Experienced in the analysis,

development and execution of Loan Review and Special Asset management. P & L departmental

responsibilities.

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SUMMARY OF QUALIFICATIONS

CREDIT Taught financial statement analysis for Boatmen’s National Bank

ANALYSIS of St. Louis on all levels of financial reporting including personal and

business tax returns and personal and corporate (business) financial

statement and trend analysis.

Recognized for powerful communications skills, handles high-

pressure situations in a professional and effective manner and uses strong

computer skills in daily activities.

Produces clear, concise and complete presentations for loan

officer and committee on all loans regardless of amount or complexity.

Found alternative ways to approve the credit rather than simply

deny the request.

LOAN REVIEW Analyzed $12 billion portfolio of commercial finance industries

for various risk profiles.

Classified problem loans and proposed alternative solutions for

collection.

Emphasized trends within the analysis that required

management's attention.

Managed problem loan portfolio with focus on collection of funds

rather than moving files to closure. Renegotiated rates and payment

options to solve problem situations to a positive result for both the bank

and the debtor. Reduced problem loan ratio to below peer group levels.

Directed bank's governmental compliance programs.

LENDING Senior Lender for $200 million segment of national bank

responsible for 7 offices and 9 lenders.

Reduced delinquency and problem loans from 7%+ to less than .

50%.

Started and developed an entire commercial loan program.

Developed and personally managed loan portfolios for up to $50

million.

Various loan authorities based on the bank and responsibilities up

to $1 million single authority.

Commercial lending experience includes working capital lines of

credit, equipment financing, asset based lending, commercial finance,

commercial leasing, commercial real estate lending, real estate

development, consumer related lending. Qualified in full range of SBA

Carlo DiMaria

121 W, Cascade Drive, Columbia, IL 62236-1101

Cellular 314-***-**** Fax 636-***-**** – ************@*****.***

lending.

Volunteer instructor/guest speaker for SBA sponsored S.C.O.R.E.

MANAGEMENT Responsible for as many as seven locations, nine lenders and

support staffs for each with profit and loss responsibility.

EMPLOYMENT HISTORY

Financial Consultant – Owner

Champion Bank, St. Louis, MO, VP & Commercial Relationship Manager 2006-08

Olin Community Credit Union, Bethalto, IL, Commercial Services Manager 2005-06

Wildwood Financial Group, Ltd., St. Louis, MO, Director Bank Leasing Systems 2004-05

US Bank – mid Missouri, Vice President and Senior Lender 2002-04

Deutsche Financial Services – Deutsche Bank, Senior Asset Review Specialist 2000-02

Independent Broker, Insurance Source, Inc., St. Louis, MO 1998-2000

Boatmen’s National Bank/Nations Bank, St. Louis, MO, AVP Underwriting 1997-98

First Financial Bank in St. Louis, St. Louis, MO, VP Lending & Branch Manager 1995-96

Southside National Bank, St. Louis, MO, Vice President Commercial Lending 1994-95

Heritage National Bank, Shrewsbury, MO, Vice President – Lending & Administration 1990-94

EDUCATION

Washington University, St. Louis, MO and University of Missouri, St. Louis - Economics

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