Manager Real Estate

Jeffrey J. Stever

*** ******* ******, ******, *********** 06066 * 860-***-**** * *************@*******.***

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Business Relationship Manager

Team Player...multi-task...self motivated...embraces new technologies…

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Career Summary

Relationship Manager with over 20 years of demonstrated proven performance in

developing, negotiating, structuring and closing complex financial loan request. A results

oriented individual who takes an assertive approach to achieve an objective. Extensive

experience in all areas of commercial lending including C&I, Commercial Real Estate and

Commercial Construction.

Software Competencies

Financial Statement Spreading

Microsoft Word

Microsoft Excel

Loan Tracking Systems

Internet Research

Dunn & Bradstreet

Certified Credit Reporting Agency Systems

Professional Experience

Business Development

Generated an average of $35 million annually in new commercial business in the

small-to-

mid-level market ( $10 million - $25 million in sales).

Generated an annual average of $350,000 in fee income.

Developed a Bank wide marketing plan and branch incentive program to

increase the bank's commercial and residential market share by 25%.

Responsible for calling on potential clients throughout a two state market

successfully acquiring on average $20 million in new business when placed

into new markets.

Experienced in Small Business Administration financing..

Developed a continuous source of referral business from commercial brokers

attorneys, accountants and commercial developers.

Portfolio Management

Managed a small-to-mid-level size business portfolio consisting of 70 accounts

with an average

loan size of $3 million.

Approved and closed loan request within authority, prepared and submitted loan

presentations to executive committee for higher approval as needed.

Provided guidance to branch managers and junior officers regarding proper loan

structure, credit quality and adherence to loan policy.

Complete annual or semi annual loan reviews for each account assigned in the

portfolio.

Jeffrey J. Stever

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Portfolio Management – continued

Prepared monthly production reports for new business development.

Prepared updated quarterly reports for deteriorating accounts.

Administered all loan administration for accounts assigned including verifying

documents for newly pledged collateral, assisting counsel with document

preparation, releasing collateral as required, payment corrections and

maintaining up to date files.

Responsible for working out of troubled credits. Responsibilities included

identifying credit risk associated with deteriorating credits, analyzing borrowers

financial strengths and weaknesses, valuing collateral, negotiating terms for proper

restructure and approve and close modifications within authority. Submit loan

presentations to executive committee for higher approval as needed.

Professional History

Relationship Manager

Textron Financial - Business Lending Department, Glastonbury, CT 2002 -

2009

Regional Commercial Loan Officer

Charter One Bank - Commercial Real Estate Department, Albany, NY 1999 -

2001

Mortgage Company Manager

National Iron Bank - National Iron Mortgage Company, Salisbury, CT 1997 -

1999

Assistant Vice President, Commercial Loan Officer

Fleet Bank - Community Lending Department, Schenectady, NY 1989 -

1996

Commercial Loan Officer

Hudson City Savings Bank - Commercial Loan Department, Hudson, NY 1986 -

1989

Educational

Associate of Science in Marketing and Sales

Hudson Valley Community College, Troy, NY

Training

Certificate - Senior Lending and Bank Management

American Bankers Association - Fairfield University, CT

Certificate - Advanced Commercial Lending

Bank Management Institute - Suny at Buffalo, Buffalo, NY

Certificate - Commercial Lending for Retail Bankers

Fairfield University Banking School - Fairfield University, CT

Certificate - Underwriting the self employed borrower

Fannie Mae Finance Institute - Chicago, IL

Certification

Six Sigma Certified Green Belt - Process Improvement

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