Human Resources Customer

Ken Diaz

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

Cell: 732-***-**** Edison,

NJ 08817 e-mail: ********@*****.***

Profile

* Over 20 years commercial, construction lending and asset

financing experience

* Increased C&I Portfolio by 15% at Spencer Savings Bank

* Increased commercial lending portfolio by 30% at

National City Bank

* Launched Bank United lending division and grew to $170

billion

* Strong in cross selling and marketing products to

centers of influence & clients

* Conducted loan workout and sale of foreclosed properties

Experienced in analyzing credit risk and financial worthiness

Professional

Experience

AVP/Portfolio Mgr/ Lender 08-09 Spencer

Savings-Elmwood Park, NJ

* Reviewed $100 million loan portfolio for opportunities

to increase customer base

* Examined portfolio to reduce & assess risk and increase

profit

* Analyzed financial statements for income, expenses, cash

flow & property valuation

* Prepared borrower and guarantor credit, risk and

covenant analysis

* Solicited customers to develop loans, deposits and fee

income

* Performed annual review for customer adherence &

portfolio growth

Portfolio Mgr/Sr. Loan Officer 98-07

National City Bank-Jackson, NJ

* Experienced member of most profitable region, over $1

billion a year

* Administered $108 million loan portfolio for credit

terms and revenue

* Team leader supervised loan process and cross selling

opportunities

* Conducted loan workout and renewal of credit facilities

* Consistently updated client credit & data information

for accuracy

Loan Officer 93-98

Bank United-Clark, NJ

* Launched banks new $170 billion lending division

* Supervised team in loan presentation, closing, marketing

and origination

* Established new financial markets and customer relations

* Instructed new loan officers in loan analysis, products

and markets

Education

Bachelor's Degree in Business Administration & Finance,

Rutgers University, NJ

August 17, 2010

Resumebook 360

Loan Review Consultant

Dear Human Resources:

Please accept my application for the position advertised on the

internet. I am very interested in providing you with more information

regarding my qualifications.

From portfolio management to launching a banks lending division, I

have consistently delivered portfolio accuracy, originations and risk

reduction in the commercial banking group and supported client needs that

grew profits and increased revenue.

For example, while with Bank United, I launched the banks new lending

division which grew to $170 billion. I was also responsible for training

and supervising less experienced and new loans officers.

While with National City Bank and Spencer Savings Bank, I was

responsible for portfolios over $100 million and cross selling the banks

products to increase awareness of the bank brand.

Thank you for your consideration. With my background, I am certain I

can provide value to your company. I look forward to the opportunity to

discuss my credentials with you. Thank you again for your time and

consideration.

Best Regards,

Ken Diaz

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