Customer Service Manager

ROBERT T. HOLZER

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

Port Carbon, Pa. 17965

Home Phone: 570-***-****, Cellular: 570-***-****

Email: ********@*******.***

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QUALIFICATION SUMMARY

Highly motivated Financial Professional with a proven 20+ years in the

Banking/Finance industry. Offering a versatile pro-active blend of strong

management, financial, teaching, and analytical underwriting experience,

with excellent organizational and interpersonal skills, while providing

world class customer service excellence.

. Proficient with Microsoft Office

. Excellent Troubleshooting and Problem Solving Skills

. Consumer, Mortgage, Equity, Commercial loan origination and financing

experience

. Successful branch bank management experience

. Results Oriented, Self motivated

PROFESSIONAL EXPERIENCE

Select Staffing - Allentown, PA. 18109

2/2009 - 8/2009

Temporary Placement: WELLS FARGO HOME MORTGAGE - Bethlehem, PA 18018

Level 1C Mortgage Underwriter

Multi-State Mortgage Loan Underwriter, responsible for analyzing personal

and business financial data, for clients seeking mortgage refinancing.

Underwriting analysis to ensure a client's capacity, capital, character,

collateral and conditions meet bank underwriting criteria, while conforming

to all State and Federal regulatory policies, for resale on the Secondary

Mortgage Market. $750,000 Lending Authority.

WACHOVIA BANK, N.A. - Reading, PA 19601

2000 - 2008

Bank Officer, Senior Loan Underwriter

Assisted Team Leader in supervising & mentoring an underwriting staff of

11, in the areas of loan structuring and financial analysis, while assuring

compliance of Bank, State and Federal lending policies.

. Multi-State Retail Credit Call Center environment, providing loan

support for field managers in the states of NY, CT,

PA, DE, NJ, MD, WA, VA,NC, SC, AL, GA, FL, and CA

. Loan Authority of $750,000

. Loan underwriting, analysis and structuring

. Personal loan portfolio of 5,400 loans totaling $322 Million

. Loan delinquency rate of less than 1%, which bettered the Bank-wide

rate of over 2%

. Mentoring and Training of new hires, within the regional underwriting

team

. Emphasis on providing World Class Customer Service/Satisfaction

excellence

HERITAGE BANK, N.A. - A Division of Main Street Bancorp, Inc. - Pottsville,

PA 17901

1973 - 2000

Bank Officer, Community Office Manager, Port Carbon Office (1988 - 2000)

Successfully managed the daily operations of this Community Office, with

regards to staff supervision, daily cash settlement, audit, as well as

developing individual and commercial loan/deposit portfolios.

. Relationship Banking, whereby financial counseling was provided to

individuals/businesses to favorably expand the client's overall

banking relationship

. Consumer, Equity, Mortgage and Commercial loan originations and

financing

ROBERT T. HOLZER

Home Phone: 570-***-****, Cellular: 570-***-****

Email: ********@*******.***

Page 2

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. Managed the monthly branch cash and collateral audits, to maintain

compliance of internal controls. Also

developed and implemented a bank-wide branch audit checklist,

providing uniformity to the branch audit

process

. $100,000 Loan Authority

. Business development

. Maintained regional annual growth in Loan/Deposits of 15% to 20%,

ranking in the top twenty-five percentile of the

bank

. Responsible for loan collections on accounts 30 to 90 days delinquent

OTHER CAREER HIGHLIGHTS

. Developed and successfully implemented Bank-wide procedures and manual

training for Platform Operating Systems, for Heritage Bank N.A. and

Main Street Bancorp, Inc

. Managed the Set-Up and Operational Support for numerous new Lehigh

Valley community office openings, for Main Street Bancorp, Inc

. Successful Community Officer Manager of the Snyders and Cressona Mall

offices, of

Heritage Bank NA

. Successful Assistant Community Officer Manager of the Minersville and

Cressona Mall Offices, of Heritage Bank NA

. Appointed Assistant P.H.E.A.A. Loan Administrator. Assisted the

Assistant Vice President in developing and maintaining the bank's

state P.H.E.A.A. portfolio, with regards to Stafford and Plus

educational loans, while maintaining due diligence in portfolio

collections

. Successfully directed the computer automation & training of Heritage

Bank's Mortgage and Commercial loan portfolios

. Financial Secretary/Treasurer of the Timothy M. Freed Committee.

Honored by being awarded the Key to the City, for

directing fund raising efforts for the revitalization of the Timothy

M. Freed Memorial Park, Cumbola, PA. Raised

$20,000.00

EDUCATION AND TRAINING

CENTRAL ATLANTIC ADVANCED SCHOOL OF BANKING

Bucknell

University, Lewisburg, PA 17886

THE PENNSYLVANIA STATE UNIVERSITY - Schuylkill Haven, PA 17972

Associate Degree in Computer Science, with a Minor in Business

CERTIFICATIONS AND CERTIFICATES

. Fred Pryor Seminar - How to be a Great Communicator - Penn State

University, Schuylkill Campus

. Deluxe Sales Development Systems - Certified Sales Professional,

Success Through Selling.

. Pennsylvania State University - Total Quality Assurance Certification

. American Institute of Banking - Principles in Banking and Financial

Statement Analysis/Accounting

Contact this candidate