Sales Marketing
Resume:
ANTHONY M. FIGLIO
Freeport, NY 11520
*******@*****.***
SENIOR FINANCIAL SERVICES EXECUTIVE
Retail Banking - Business Expansion - Product Development- Sales -
Community Relations
Core Competencies - What I Can Bring To This Position
EFFECTIVE PRODUCTION TOOLS
. Use of predictive science to enhance automated decision logic
- Emerging score technology (thin file) - first time auto buyer
program
- Predictive attributes (loans approved and booked; loans declined
and booked elsewhere)
. Marketing expertise
- Maturing auto loan solicitations
- Preapproved member solicitation - auto loans held elsewhere
. Cooperative Lending - Branch process
- Elevate decentralized lending skills
- Identify branch goals
- Manage and report against goals
STRONG PORTFOLIO MANAGEMENT SKILLS
. Reporting concentrations by credit grade, WAC, delinquency exposure
to identify risk and opportunity
. Quarterly measurement of score model performance/validation
. Predictive based risk based model/product profitability
modeling/recommended pricing by tier
. Superior real estate lien analysis-determine true LTV position and
portfolio collateral risk exposure
. Portfolio score repopulation and impact on individual unsecured
LOCs
. Bankruptcy score/capacity ratio analysis
An innovative and energetic leader, skilled communicator/team builder and
adept negotiator. Strong in identifying growth opportunities and designing
market niche products responsive to customer demand and competitive
factors. JD and BA degrees. Highly skilled in developing very effective
product expansion initiatives, utilizing available internal and community
resources, resulting in product offerings and delivery methods which
respond to needs of the target market.
EXPERIENCE
CONSULTING/INTERIM ASSIGNMENTS 4/2008 - Present
Current assignment involves assisting a large regional bank (disclose at
interview) in restructuring its retail presence in the community. Reviewing
processes, portfolio structure and performance, product design, compliance,
fraud detection facilities, staffing issues, market assessment and
otherwise, its overall role in the bank's new strategy.
BETHPAGE FEDERAL CREDIT UNION 11/2006 - 4/2008
Lending Department Head
Managed Consumer Loan Operations, Servicing and Collections for a major
Long Island, New York financial institution. Comprehensive accomplishments
include automated collections installation, upgraded consumer front end,
product enhancements, outsourcing solutions, considerable product
development and direct marketing initiatives. Converted from custom to
FICO. Applied all of the above referenced core competencies. Resolved
Collections performance issues - improved work rules, automated queue
assignments and forecasting standards. Improved Consumer Lending processes
- installed advanced automated front end, enhanced portfolio management
tools, improved production controls and strong underwriting standards,
using current predictive technology. Installed expanded ERM reporting that
provided for improved portfolio analysis - product, risk, WAC and overall
performance concentrations.
CHARTWAY FEDERAL CREDIT UNION, Virginia Beach, VA 11/2003 -
11/2006
Vice President - Lending
Managed consumer, indirect auto and mortgage lending and secondary
marketing operations. Installed comprehensive consumer front end system,
introduced new credit products that boosted production with mitigated risk,
implemented several productive direct marketing initiatives, developed
comprehensive mortgage production plan as well as significant product
enhancements. Expanded portfolio analysis tools to determine risk
concentrations, overall shift in portfolio quality and individual credit
erosion. These tools were used to improve marketing performance and
identify portfolio expansion opportunities that were proven to be
excessively risky.
USA GROUP, Indianapolis, IN
1/1997 - 11/2002
Vice President - Consumer Product Development - Marketing Division
Develop Consumer Product Development operation for national originator of
student loans with goal of expanding offerings into more traditional
consumer loan products through its network of approximately 5,000
universities and technical schools.
. Established the function which was deemed a priority by the Executive
Management Committee.
. Designed and marketed an integral loan hybrid intended to fill the
increasing gap between cost of education and availability of
traditional financing programs.
. Implemented direct mail campaigns which far exceeded expectation.
. Participated in requisite Management Committees necessary for the
successful implementation of these programs.
Position was downsized as a result of business restructure and sale.
BANKATLANTIC, Ft. Lauderdale, FL
1992-1997
Senior Vice President - Consumer Lending
Established and built Consumer Lending Department. Activities included
strategic planning, product development, documentation, training and
overall plan management. Developed menu of products responsive to market
demographics resulting in highly profitable production with yields at 6.25
points above cost of funds and below plan delinquency experience.
. Directed automated front end installation with remote laser document
preparation system, achieving seamless prompt, consistent loan
originations throughout this 50 branch banking system. This was
established to incorporate emerging Internet access technology.
. Achieved production greater than earnings goals and below
delinquency/loss expectations.
. Managed a comprehensive bank-wide sales culture program.
. Acted as loan portfolio manager and produced a well balanced loan mix
that performed at levels below regional and national averages for
comparable product and peer.
Position was eliminated as a result of a restructure.
EASTERN FINANCIAL FEDERAL CREDIT UNION, Miami Springs, FL
1985-1992
Managed Several Assignments, Culminating With Position of Director of Legal
Services
Principal In-house Corporate Counsel. Assignments included:
. Acted as primary Counsel and business resource for all production and
back-office functions.
. Marketing and product development/ sales oversight.
. Restructuring the credit union's mortgage and consumer lending and
retail products operations, drafting strong procedure/policy
documentation.
. Produced six-figure annual savings in external counsel expenses plus
maintained perfect EEOC defense track record.
. Designed and implemented a proactive marketing plan for all retail
products.
INDEPENDENT CONSULTING
Provided wide variety of consulting services and solutions to financial
institutions. Representative engagements included:
. #2 person at Pan Am Miami Federal Credit Union
. Formed a mortgage banking subsidiary for Gibraltar Building & Loan
Association and served as its CEO
. Managed a commercial bank acquisition - Hanover Bank of Florida
. Also interim assignments with several financial institutions -
portfolio risk management assignments.
EDUCATION
BA Rutgers University
JD University of Baltimore School of Law
CERTIFICATES
District of Columbia Bar
Dale Carnegie Course
VCUL/CUNA - Board of Directors Award in the Volunteer Achievement Program
Mapother Bankruptcy School - Certificate of Completion
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