Manager Sales

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

Tallahassee, FL *****

(home)850-***-****

(cell) 850-***-****

******@**********.***

Charles J. Halon

Objective To secure a challenging executive position within

the banking industry utilizing my extensive

knowledge and experience in mortgage, consumer and

commercial lending.

Experience November 2005-January 2009 Sunshine Savings

Bank, Tallahassee, FL f.k.a.

Sunshine State Credit Union

Chief Lending Officer

Major contributor to the first Florida charter

change from Sunshine State Credit Union to Sunshine

Savings Bank. Worked closely with the FDIC and the

OTS.

Proven and sound credit judgment of all the entire

lending function

Provide proactive supervision and manage the bank's

lending, servicing and collection functions as set

forth in the strategic business plan

Develop new products with overall responsibility

for all policies and procedures

Set, accomplish and exceed lending division volume

goals while strategically planning for future

growth including products that generate

non-interest income

Proactive team member as chairman of loan

committee, pricing committee, IT Steering

committee, Audit Committee, etc.

Maintain knowledge of current federal and local

regulations, industry trends, delivery channels,

technologies, etc.

Excellent organizational, coaching, and written and

oral communication skills with a service oriented

attitude

Ability to motivate and inspire team to achieve

success as business developer's utilizing

cross-selling and up-selling techniques

Proficiency in various computer software

applications

July 2000-November 2005 Chesapeake Bank of

Maryland, Baltimore, MD

Consumer Loan Manager

Proven and sound credit judgment of all direct and

indirect consumer, mortgage loans, and leases

Maintain up-to-date regulatory compliance changes

Management of a sub-prime lending portfolio

Development and cross-selling of loan products

Preparation and quarterly analysis of the division

fiscal budget to ensure profitability objectives

are achieved

Charles J. Halon (Page 2)

Establishment and maintenance of periodic sales

goals through motivation, coaching, recognition and

skill development

Oversee collection & servicing efforts to maintain

and manage losses within budget guidelines

Ongoing preparation of related policies,

procedures, methods, Establish new and enhanced

systems, training programs, etc.

Supervision of Loan Officers and Specialists using

effective job allocation responsibilities, Branch

Managers, acquisition due diligence, internal and

external customer cooperation

Proficiency with a PC based Windows NT environment

Manage and assure competitive profitable pricing

with ALCO and pricing committees

Maintain relationships with indirect dealers

Conduct ALL marketing efforts promoting consumer

lending initiatives

Reason for Leaving: Career Advancement

August 1985 - July 2000 First Federal Bank;

Hazleton, PA

Consumer Loan Supervisor

Review and approval of all direct and indirect

consumer loans, and leases

Preparation of SBA and Government Community

Development Loans

Management of a sub-prime lending portfolio

Development and cross-selling of loan products

Preparation and quarterly analysis of the

departmental fiscal budget

Establishment and maintenance of periodic sales

goals

Preparation of related policies and procedures

Supervision of Loan Officers and Specialists, and

Branch Managers

Proficiency with a PC based Windows NT environment

Reason for Leaving: Spouse's job relocation.

Charles J. Halon (Page 3)

January 1992 -July 2000 Borough of Ringtown;

Ringtown, PA

Treasurer (second job to above)

Responsible for State Budget and Liquid Fuels

Reporting

Preparation of Federal and State Grant and Subsidy

Requests

Investment of municipality funds in state and

federal bonds

Responsible for audit reporting to the county and

state

Maintenance of the employee state pension funds

Reporting of FEMA to the related government

agencies

Recording and distribution of employee payroll

Household Finance Corporation; Pottsville, PA

Senior Assistant Manager

Approval, Collection, and Servicing of Consumer

Loans including Sales Financing, Leasing, and

Revolving Credit

Development of new and existing business

Preparation of the annual departmental budget

Establishment and maintenance of periodic sales

goals

Supervision of a finance staff

Proficiency with a PC based Windows environment

Reason for Leaving: Career Advancement

Rite Aid Corporation; Shenandoah, PA

Manager

Performance of retail general management duties

Reason for Leaving: Career Advancement

Education B.S., Business Administration and Economics

King's College; Wilkes-Barre, PA

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