Manager Sales

THOMAS J. MESALK 262-***-**** (Cell)

W** N*** Madison Ave. 414-***-**** (Work)

Cedarburg, WI 53012 abid8q@r.postjobfree.com

OBJECTIVE

A challenging position in the Financial Services Industry

BACKGROUND SUMMARY

. Originated high quality and at times highly structured loans and

equipment leases with customers in numerous industries

. Maintained portfolios, consisting of handling customer requests for

increases in amount or modification in terms

. Handled difficult collections, repossessions, bankruptcies and

workouts, while maintaining a working relationship with the majority of

customers

. Performed detailed loan and lease analysis, including financial and

cash flow evaluation, preparation of written loan or lease requests and

presentation of same to committees

. Administered full-function credit and operations units, including

analyzing, processing and approving financial requests, structuring

them to meet company guidelines; performed legal documentation &

documentation reviews, and booking of accounts

. Recognized as detail oriented, with strong sales, leadership and

training skills

EXPERIENCE

MARITME SAVINGS BANK / NORTH SHORE BANK, Milwaukee, WI 2009-Present

Vice President - Special Loans

Responsible for portfolio management and the workout of defaulted or

problem loans. Assigned to the Bank's most difficult loans, or most

recalcitrant borrowers, and brought in to assist in the negotiations of

other Bank officers

. Particularly adept at obtaining additional structure, terms, rate,

guarantors or information about the customer, in the interests of being

repaid or strengthening the Bank's position

. Demonstrated the ability to understand & simplify difficult and complex

transactions, seeking a solution that strengthens the Bank's position,

while allowing the customer to buy into the revised structure or

payment plan

. Worked towards a solution that fixed the loan, while meeting regulatory

guidelines, so that the problem did not have to be revisited in the

short to medium term

. Prepared legal documentation, including forbearance agreements, deeds

in lieu (with deficiency payments), security agreements, mortgages. In

many instances, prepared single forbearances with multiple obligors,

loans, guarantors & collateral, at a great cost savings to the bank in

legal fees

. Created new quarterly problem loan reports and instituted changes to

the Bank's credit write-up, to meet commercial bank and regulatory

standards

CITICAPITAL COMMERCIAL FINANCE / GE CAPITAL, Milwaukee, WI 2007-2009

Vice President

Responsible for business development and portfolio management. Credit

facilities primarily include term loans & leases. Transitioned to

wholesale/dealer floor plan sales and credit position with the slowing

economy.

. Re-established territory for the Corporation, bringing in multiple new

customers in a difficult economic and operating environment, while

surpassing volume and yield goals

. Maintained high credit quality portfolio, with no losses or delinquency

FIFTH THIRD BANK FINANCE & LEASING, Milwaukee, WI 2004-2007

Vice President

Responsible for business development and portfolio management. Credit

facilities primarily included term loans & leases.

. Opened new territory for the Bank, bringing multiple new customers to

the bank in the process

. President's Club Award Recipient in 2005 & 2006, surpassing volume and

yield requirements

. Maintained high credit quality portfolio, with no losses or delinquency

. Negotiated collection of non-sourced workout account where prior

efforts had been unsuccessful

. Recommended multiple process improvements which resulted in time and

financial savings

GE CAPITAL CORPORATION, Brookfield, WI 1997-2004

Vice President

Responsible for business development and portfolio management. Credit

facilities primarily included term loans, leases, sale-leasebacks, and real

estate loans.

. Consistent volume producer and recognize as a team leader in lease

transactions and floating rate products

. Consistent high performer in rates and fees

. Received high service and satisfaction ratings from customers

. Maintained a "no-loss" portfolio, through difficult industry and

economic times

. Utilized structure to achieve approval of several transactions over the

last three difficult years

FIRST BANK - MILWAUKEE, Milwaukee, WI 1991-1997

Business Banker and Vice President

Responsible for business development and portfolio management. Credit

facilities primarily included lines of credit, term loans, letters of

credit, and real estate loans.

. Closed complex buy out transaction with multiple facilities and terms

for new customer

. Completed and funded several large and complex loan requests, requiring

extensive negotiations, and detailed research and analysis; duties and

functions included loan and documentation reviews

. Integral part of the Bank's transition in the marketplace and release

from an OCC Letter Agreement

CIRCLE BUSINESS CREDIT, INC. (Xerox Financial), Cedarburg, WI 1989-1991

Marketing Representative

Responsible for soliciting end users and dealers in meeting their financing

and leasing requirements in the manufacturing, machine tool, trucking,

construction and general industries.

. Opened new territory, meeting volume and yield requirements while

company was undergoing change

. Maintained no loss and low delinquency portfolio

TEXTRON FINANCIAL CORPORATION, Cedarburg, WI 1987-1989

Regional Sales Manager

Specialized in the extension of loans and leases to middle market end users

and dealers.

. Established renewed presence in the marketplace, resulting in increased

sales in first year of over 150%, while maintaining low loss rate and

low delinquency portfolio

. Wrote company's first TRAC lease in State of Wisconsin and successfully

changed portfolio from soft to hard collateral mix

ITT COMMERCIAL FINANCE CORP., Cedarburg, WI 1986-1987

Sales Representative

Successfully re-established territory that had been vacant over two years,

including developing new customer base.

MARINEBANC LEASING CO. INC., Milwaukee, WI 1984-1986

Assistant Vice President and Credit Manager

. Re-established the credibility of the leasing department through the

development of new credit and documentation procedures and operational

guidelines

. Responsible for all leasing credit functions and developed credit

manual

ITT COMMERCIAL FINANCE CORP., Columbus, OH 1979-1984

Area Credit Manager

. Implemented operational efficiencies resulting in threefold improvement

in audit grade

. Negotiated & restructured several large delinquent accounts, reducing

losses while maintaining customer loyalty; sold over $2MM in

repossessions in one year and purchased large, complex portfolios

. Trained several credit analysts, documentation specialists and a

paralegal

. Held several positions, including Credit Analyst, Senior Credit

Analyst, and Regional Credit Manager

EDUCATION MILITARY

University of Wisconsin, Madison, WI, 1978 United States Marine

Corps, 1971-1975

B.A., Business Administration Honorable Discharge & Meritorious

Mast

Concentration in Finance, Money & Banking Meritorious Promotion to

Sergeant (E-5) in 2 years

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