HARRY N. YAZIDJIAN

* ******** ******, ******** *****, NY 10930

Home: 845-***-**** Mobile: 201-***-****

ableej@r.postjobfree.com

Over 17 years of professional experience in portfolio/asset management,

real estate, business development, small business ownership, management,

credit risk assessment, financial analysis, insurance and banking.

PROFESSIONAL EXPERIENCE

Mariner's Bank April 2010 - Present

Cliffside Park, NJ

V.P. / Commercial Lender

. Responsible for commercial loan business development from new and

existing client base

. Actively manage $70 million commercial loan portfolio to enhance

profitability and manage asset risk

. Analyze credit requests and approve / recommend action to senior

management and director loan committees

. Engage in full borrower financial review including analysis of cash

flow, ratios, trends and asset valuation

. Structure / negotiate complex debt arrangements for range of

businesses including C&I and real estate firms

. Manage classified and troubled loan assets through workout scenarios

. Selected to serve as Point Person and Lead Lender for auto dealer

floor plan financing program

. Liaise with branch network and external referral sources for

commercial loan business

Provident NY Bancorp January 2005 - April 2010

Montebello, NY

A.V.P. / Commercial Relationship Manager October 2009 -

April 2010

. Responsible for commercial loan development from new and existing

client base

. Actively managed $50 million commercial loan portfolio to improve

profitability and manage asset risk

. Analyzed credit requests and provide recommendations to senior

management and director loan committees

. Structured and negotiated complex commercial debt arrangements

including multi-million dollar deals

. Executed full analysis on commercial borrowers including C&I firms,

real estate developers and contractors

A.V.P. / Senior Commercial Credit Analyst January 2005 -

October 2009

. As Team Leader, managed credit group of 3-5 employees in workflow,

target setting and deadline adherence

. Identified critical credit events and developed remediation plan,

response or possible loan grade amendment

. Trained and mentored junior analysts on credit and financial statement

analysis

. Selected as in-house commercial appraisal specialist by EVP / Chief

Risk Officer

Interchange Financial Services Corporation July

2000 - January 2005

Saddle Brook, NJ

Commercial Credit Analyst October 2003

- January 2005

. Created financial and credit analyses on firms, including credit

worthiness and backgrounds

. Prepared loan presentations, with recommendations, for Lender or

Committee approval

. Trained new staff in credit and financial statement analysis

Assistant Branch Manager May

2002 - October 2003

. Successfully managed bank's main office during Manager's 5 month leave

. Consistently exceeded branch deposit goals by over 25%

Insurance Manager July 2000 -

May 2002

. Developed start-up retirement and insurance planning program including

creation and implementation of business and action plans and annual

insurance budgets

. Responsible for business development of insurance and retirement

planning products

. Voted #1 of 36 departments for outstanding internal service

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Previous Employers

Citibank (1999 - 2000); Financial Network Investment Corp (1998 - 1999);

Fitness Quest PT (1994 - 1998)

EDUCATION

Cornell University, Ithaca, NY - MBA, 2010

Saint Peter's College, Englewood Cliffs, NJ - BS in International Business

and Trade, Magna Cum Laude, 2003

Pace University, New York, NY - Bank Executive Development Program, 2005

COMPUTER SKILLS

Capital IQ, Citrix Application Software, Baker Hill, Microsoft Office

Application Suite, Lotus Notes, SAP

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