Manager Sales

Objective Self-motivated, energetic team player seeking a progressive foundation

to continue my growth in a financial service career.

Experience 2008-Present The Patapsco Bank Baltimore, MD

Vice President, Commercial Portfolio Manager

Manages commercial portfolio risk on an ongoing basis by monitoring

customer credit-worthiness, R. Golinsky

Melissa adherence to loan terms and general

business conditions. 504 Plumtree Road

Bel Air, MD 21015

Analysis of credit problems – delinquency, nonaccrual, and risk ratings

Communicate with **********@*****.************* concerning

M customers and Senior

potential risks 443-***-****

2004-2008 K Bank Owings Mill, MD

Vice President, Commercial Lending

Responsible for all aspects of account relationship including business

development, negotiating proposals, underwriting loans and cross selling

additional business products

Interface with Small Business Development Center’s (SBDC’s), Realtors,

Accountants, Business Brokers, Attorneys and any other influencers in

helping mutual clients start up or expand existing businesses

2002-2004 Chesapeake Bank of Maryland Baltimore, MD

Commercial Loan Officer

Underwrite all loans to include credit analysis, proper collateral

documentation, appraisal & environmental reviews, compliance &

regulatory requirements

Sales, education and marketing of Small Business Association Loans –

SBA Bank Representative

Monitor past due credits and obtain required financial information from

borrowers on an ongoing basis

2000-2002 Indiana First Savings Bank Indiana, PA

Commercial Credit Analyst

Evaluate credit worthiness through risk management including but not

limited to analyzing financial data, trend analysis, and cash flow analysis.

Implemented yearly loan reviews on loans over $200,000 and annual

Line of Credit’s

Monitored document exceptions, monthly financial reporting an collateral

control reports

1999-2000 Indiana First Savings Bank Indiana, PA

Internal Auditor

Conduct Audits, Loan Reviews and research compliance issues

Assisted Indiana First Savings Bank accomplishment its objectives

through the evaluation of controls, risk management, and regulatory

policies

1996-1999 Heilig Meyers, Inc. Indiana, PA

Credit Manager

Evaluated consumer credit for in-store credit approval

Promotional Sales agent

Education 2003 Closing Sales Sandler Training Institute

1999 Principles of Banking Coarse American Institute of Banking

1999-2000 Commercial Lending School RMA

Fundamentals of Financial Analysis, Analysis of Tax returns, Loan

Structuring and Collateral, cash flow analysis and Commercial Loan

Documentation

1992-1997 Bachelor of Science, Business Administration Edinboro

University of

PA

Community Bel Air Down Town Alliance, Harford County Leadership Academy-2008

Involvement

RERERENCES UPON REQUEST

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