SCOTT D. NICOL

**** ******** ** **

Rochester, MN 55901

507-***-****

abl7id@r.postjobfree.com

BUSINESS MANAGEMENT PROFESSIONAL

Professional July 2009- March 2010 Grainger Industrial Supply

Waterloo, IA

Experience Manager of Customer Marketing

. Direct the sales, marketing, and operational activities for

a team of 30 outbound/inbound Customer Marketing

Associates. Grow sales revenue through development of

target account packages, expansion of product category

sales, and customer penetration.

. Partner with the marketing organization to develop and

implement sales marketing programs and initiatives.

. Collaborate with sales and operations teams to ensure

alignment of overall business and financial objectives.

. Develop overall growth strategy for inbound/outbound sales

team members, as well as develop goals and measure

individual and team performance. Provide formal and

informal feedback and coaching to assigned team members to

maximize performance.

. Establish a professional development plan for each employee

to aid their performance and career progression within

Grainger.

February 2008- March 2009 Home Federal Savings Bank

Rochester, MN

Manager of Consumer Finance

. Responsible for the sales results of 13 branches across MN,

and IA.

. Developed and implemented a non-conforming lending

department for mortgages, vehicles, consumer, commercial,

construction, home equities and Ag loans.

. Assist management with planning and execution of credit

examinations. Act as liaison between examination team and

lending area under examination.

. Conduct reviews of more complex loans and prepare written

reports that detail exam findings and recommend appropriate

action.

. Responsible for growth, service, retention and expansion of

new and existing business banking customers. Responsible

for sourcing new customers for the bank to meet established

individual goals.

. Review, analyze, underwrite, and decision loan

applications. Responsible for taking a second look at all

loan applications to make sure every opportunity was

recognized.

. In charge of monitoring loans and following risk management

procedures.

. Generated $262,000 dollars in fee income in a six month

period, while producing over $6 million in volume and

closing over 40 loans.

. Generated and solicited all leads, developed referral

relationships with collection agencies, attorneys, bankers

and brokers.

. Worked closely with collection manager to develop fresh

start program for delinquent customers.

. Experience in SBA Lending, CRE, C@I and Reverse mortgages.

July 2005 - January 2008 Wells Fargo

Financial Rochester, MN

Assistant Branch Manager

. Sought out and developed new business relationships on

branch's sales finance portfolio. Lead and manage a

diverse team of sales credit managers and one processor.

-Market, cross-sell, and underwrite mortgage, unsecured,

and sales finance accounts.

-Recruit, develop, coach, and conduct evaluations to

promote current staff.

. Establish and develop relationships with Wells Fargo partners

to expand market share.

-Refer customers to personal bankers, auto, and home

mortgage representatives.

. Review and analyze consumer requests, financial statements,

credit reports and applicable ratios.

. Develop presentations to improve staff education.

. Promoted and relocated for district to increase market share

in Rochester area.

-Helped increase branch receivables from $21 million to

$45 million during a 30 month period.

- Member of 2005, 2006, and 2007 Buller District Best

Balanced Branch.

-Received top sales award for finishing 1st in new money

in 2005, and 2006.

-Employee on the month in March and July 2005, September,

October, and December 2006, and February, April, and

October 2008.

January 2004 - June 2005 Wells Fargo Financial

Waterloo, Iowa

Credit Manager

. Analyzed credit applications and consulted with customers to

cross-sell a variety of financial services, including

small loans, real estate mortgages, equity lines, and credit

card products.

. 2004 Gutierrez District Rookie of the Year recipient.

. Member of 2004 Gutierrez District Best Balanced Branch.

. Helped increase branch receivables from $20 million to $35

million during 16 month period.

. Employee of the month in June, August, October, and November

2004.

June 1999- January 2004 John Deere Community Credit

Union Waterloo, Iowa

Sr. Loan Officer/Teller Supervisor

. Managed and trained numerous tellers and loan interviewers

. Worked directly with numerous Auto Dealerships in providing

financing.

. Authorized to approve and decline loan applications.

. Analyzed and developed strategies to improve system-wide

operations.

May 1995- May 1999 Subway Restaurants Cedar

Falls, Iowa

Co District Manager

. Responsible for the daily operations of 4 local store

branches.

. Interview, hire, and train new employees.

. Balance cash drawers, and handle employee scheduling.

. Complete weekly food inventory, place food orders for

upcoming week.

Education December 2003 University of Upper Iowa

Waterloo, Iowa

Degree: B.A. Business Management

Efficient in Microsoft Word, Works, Excel, Power point,

Outlook, SAP, CRM, and Supreme

State of Minnesota Licensed Credit Insurance Agent

Activities Junior Achievement Volunteer

And Habitat for Humanity Volunteer

Affiliations Big Brothers/Big Sisters of Black Hawk County

Paws and Claws Volunteer

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