Customer Service Management

JED E. PATERSON

**** ****** *** **** *** ( Weehawken, NJ 07086 ( 201-***-**** (

************@***.***

CAREER OBJECTIVES

To obtain a position as a result-focused, quality-driven credit analyst

dedicated to providing a positive contribution to the performance,

objectives and goals of an organization by building relationships,

successfully monitoring and attracting existing and new clients in

addition to improving efficiencies through a comprehensive understanding

of credit.

PROFESSIONAL EXPERIENCE/ACHIEVEMENTS

Bank of America

Commercial Middle Market Credit Products Analyst

March 08-Present Glen Rock, NJ

. Proven track record of timely and accurate monitoring support for the

top performing general industries portfolio in the New Jersey commercial

middle market with clients ranging from $30.0MM to $300.0MM in revenues.

. Successfully managed and grew a portfolio to 50 clients while

cultivating strong relationships internally and externally.

. Direct contact working with the Special Assets Group (SAG) and clients

to successfully restructure downgraded credits to effectively mitigate

the negative effects of the economic downturn while improving revenue

potential for the Bank.

. Prepared and analyzed quarterly spreading of financial statements,

covenant testing, risk rating review, repayment model analysis, stress

testing, collateral appraisals, month borrowing base trends and overall

financial analysis and structuring.

. Direct coordination with multiple levels of the credit products team in

providing sound financial analysis and successful loan structuring while

adhering to legal/regulatory requirements while maintaining above

average metrics.

Atlantic Stewardship Bank

Commercial Credit Analyst /Bank Officer

Sept 06-March 08 Wayne, NJ

. Spearheaded the introduction of credit analyst roll which analyzed

credit information in the evaluation process of debt issues, the

corporate applicant's creditworthiness and direct coordination with

lenders and clients through final closing.

. Created proposals and instituted bi-weekly presentations to the Board

of Directors.

Assistant Branch Manager June

05-Aug06 Wayne NJ

. Managed and grew the third largest branch in an eleven branch bank with

approximately $500.0MM in assets.

. Provided strategic planning and guidance for staff in addition to

monthly audits and new business development activities.

Customer Service Representative/Branch Management Trainee

June 04-June 05 Midland Park, NJ

. Developed the management trainee program as the first employee seeking

direct branch management training.

. Gained knowledge in deposit growth, customer relations, and staff

management while consistently exceeding goals.

Bank Teller/Assistant to Marketing Director/Accounting Department

(Intern) May 03-Jan04 Ridgewood, NJ

. Processed financial transactions in an orderly and accurate manner.

. Marketed/provided retail banking customer service functions. Performed

daily audits and reconciliation of annual reports.

QUALIFICATIONS/ACCOMPLISHMENTS

Six years of progressive growth from retail to small business to middle

market commercial lending.

. Profound analytic skills with exceptional knowledge of financial analysis

that includes the ability to assess historical financial performance,

cash flow, industry, competitive advantage and projections.

. Diverse business and product knowledge providing cross-functional

management.

Self motivated and deadline oriented team player.

Strong small and middle market business knowledge with solid problem

recognition and resolution skills.

. Strong communication skills, both verbal and written

CONTINUING EDUCATION: BANKING COURSES

Center for Financial Training: Commercial Lending, Analyzing

Financial Statistics, Business Law

Independent Bankers of America: FDIC's View of Commercial Loan

Portfolios, Business Financial Statement Analysis

RMA: Analyzing Personal Financial

Statements & Tax Returns, Analyzing the

Commercial Borrower's Industry, Market and

Competitive Risk.

Bank of America: Loan Structuring, Analyzing an Industry, Analyzing

Income Statement & Balance Sheet, Analyzing the

Working Capital Cycle, Credit Fundamentals I &

II.

UNDERGRADUATE EDUCATION

Fairfield University, Dolan School of Business, Fairfield, CT (Accredited

by AACSB)

Bachelor of Science Degree May 2004 Majors: Business Administration-

Management and Marketing

COMPUTER SKILLS

Microsoft Office Professional and XP: Word, Excel, Power Point,

Access, Outlook, Publisher and Lotus.

Contact this candidate