Manager Sales
Resume:
Joseph Young
*** ******** **. ** ? Comstock Park, MI 49341 ? 231-***-**** ?
ablwfd@r.postjobfree.com
Education 2004-2008 Grand Valley State University
Grand Rapids, MI
Bachelor of Business Administration: Finance & Business Economics;
Minor: Accounting
3.826 GPA ? Honors College ? Cum Laude ? Beta Gamma Sigma ? Omicron
Delta Epsilon
Experience
2007 - Present Mercantile
Bank of Michigan Grand
Rapids, MI
Senior Commercial Credit Analyst - Team Lead
Use fundamental credit skills such as cash flow, collateral, accounts
receivable, financial statement, industry analysis, etc to evaluate
credit risk and prepare credit writeups for C&I, CRE, and land
development borrowers
Value residential and commercial real estate using sales comparison,
income capitalization, and DCF
Utilize company backlogs, receivable/payable turns, historical
ratios, and expectations to prepare forecasts
Determine sales, expenses, and margins required to turnaround
negative operating performance
Identify trends and anomalies in performance and financial condition
using financial statement analysis
Analyze Grubb & Ellis, First Research, and IBIS World research
reports to indentify market risks
Assist commercial lender with sales calls, loan closings, and
customer service
Contact customers to request financial information and measure
covenant and borrowing base compliance
Present company background and loan structure on several different
relationships to Senior management
2006 - 2007
Fifth Third Bank
Grand Rapids, MI
Commercial Credit Analyst - Intern
Prepared credit approvals for commercial loan requests and renewals
of up to five million dollars
Experience in multiple lines of business such as commercial &
industrial, dealer floor plan, com. real estate, etc.
Participated in many training sessions including cash flow and
financial statement analysis
2005 - 2006 College Pro Painters
Traverse City / Holland, MI
Job-Site Manager
Led a group to prepare and paint the exterior of residential homes
Maintained full communication with homeowners to assure jobs were
done to satisfaction
2004 - 2005 Vector Marketing
Traverse City / Grand Rapids, MI
Sales Representative
Sold over $16,000 of Cutco cutlery through in home presentations
achieving highest office sales in 2004
Started an initial customer base, obtained references and effectively
contacted those references
2005-2008 Seidman Investment Portfolio Organization
Activities Grand Rapids, MI
Helped the club manage the buy and sell activities of a real $38K
stock portfolio at weekly meetings
Elected to the positions of Portfolio Manager (2006) and V.P. of
Portfolio Management (2007)
Presented potential stocks to add to or remove from our portfolio,
organized events, and lead general members
2005-Present Junior Achievement / Tutoring
Grand Rapids, MI
Mentored a 3rd grade class by preparing and teaching basic economics
lessons
Weekly reading tutor at Harrison Park Elementary with 2nd grade boy
2008-Present Habitat for Humanity
Grand Rapids, MI
Actively volunteer to help build homes for families in need
Joseph Young
599 Hachmuth Dr. NW ? Grand Rapids, MI 49341 ? 231-***-**** ?
ablwfd@r.postjobfree.com
REFERENCES
Sridhar Sundaram
Chair, Finance Department
436C DeVos Center
401 W. Fulton St.
Grand Valley State University
Grand Rapids, MI 49504-6431
ablwfd@r.postjobfree.com
Chris Putman
Credit Manager
Fifth Third Bank
111 Lyon St NW
Grand Rapids, MI
ablwfd@r.postjobfree.com
Jeremy Reeves
Franchisee
College Pro Painters
1220 W Alameda Dr. Suite #107
Tempe, AZ 85283
ablwfd@r.postjobfree.com
Jeff Baas
District Manager
Vector Marketing
428 Huston St.
Cadillac, MI 49601
ablwfd@r.postjobfree.com
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