Nicholas S. Kaczmar
Clawson, MI 48017
abng5h@r.postjobfree.com
Commercial Loan Officer AVP/Portfolio Manager/ Sr. Credit Analyst/Managed Assets Loan Officer
QUALIFICATION HIGHLIGHTS
•Self-motivated individual who has consistently succeeded throughout his banking career.
•Originated and closed over $9MM in performing commercial loans in 2008 and $37MM since August 2005.
•Cross-sold over $3MM in new deposits for First Independence Bank (“top depositor”).
•Managed a non-delinquent $25MM commercial real estate loan portfolio with an average loan size of $800,000~.
•Loyal loan & deposit customer base who are willing to move total bank relationships.
•Managed a $15MM commercial portfolio of under and non-performing loans that involved minimizing charge-offs and
maximizing recoveries by independently developing and implementing cogent workout & restructuring plans.
•Managed a 250+ account of indirect auto charge-off/repoed portfolio, which involved maintaining an Access database,
initiating/follow-up insurance claims & decisioning repo auctions.
•Independently turned around & recovered $700M in loans within my portfolio in 12-months as a Workout Officer.
•Designed Excel spreadsheets and comprehensive charts detailing portfolio risk assessments and loan concentration
for Directors & Executive Management.
EMPLOYMENT SUMMARY
First Independence Bank, West Bloomfield, MI 7.2007-10/2009
Assistant Vice President/Commercial Loan Officer
Originated, negotiated & closed commercial real estate term loans, construction loans, SBA loans & private banking
lines ranging from $100,000 to $3,500,000.
Closed over $3,000,000 in commercial loans in 2009 (Bank’s top producer). Additionally, had another $2,000,000
“approved ready to close” in the pipeline.
Originated and closed over $9,000,000 in commercial loans in 2008 (Bank’s top producer 08-09).
A voting member on the loan committee with both commercial & consumer loans ranging from $25M to $3.0MM.
Actively managed a performing commercial loan portfolio totaling over $25MM.
Developed and maintained strong relationships with clients, acted as the principal account manager for new &
existing clients, issued commitment letters, managed loan maturities, TDR’s and delinquency issues.
Active member in the community and local Chamber of Commerce.
Sterling Bank & Trust, Southfield, MI 2005-5/2007
Commercial Loan Officer/Relationship Manager
Originated, negotiated & closed real estate commercial term loans, construction loans, builder lines & private
banking lines ranging from $250M to $5MM+.
Managed a real estate commercial loan portfolio consisting of over 40 loans totaling $40MM.
Originated and closed over $26MM in commercial real estate loans during my tenure.
Brought in over $5MM in new deposits in 2006 (“top depositor” in the Bank).
Cross-sold over $3MM in residential loans (closed) to our mortgage department.
Responsibilities included issuing commitment letters, ordering appraisals, managing loan maturities, closings,
modifications, reviews, delinquencies & payment issues.
Frequently conducted “customer calls” & “site visits” to strengthen the banking relationships with each customer.
Franklin Bank, Southfield, MI 2003-2005
Commercial Loan Portfolio Manager Promoted 2004
Managed a growing & performing $70MM+ commercial loan portfolio with 130+ accounts.
Responsibilities included managing loan maturities, modifications, reviews, delinquencies & payment issues.
Represented the Portfolio & Credit Departments by being a member on the “Communications Team” which
effectively implemented plans to ensure that key information is communicated throughout the Franklin Bank.
Was responsible for risk rating the portfolio, identifying the asset quality of each loan on an annual basis.
Frequently conducted “customer calls” & “site visits” to strengthen the banking relationships with each customer.
2003-2004
Senior Commercial Credit Analyst/Supervisor
As the Credit Department’s “Point-Person”, I managed the workflow & underwriting of a tri-state area.
Supervised the credit quality and Board & Director loan packages for the Department.
Was actively instrumental consolidating the underwriting & procedures with the recent merger of two Banks.
Was responsible for underwriting commercial loan applications ranging between $250,000-$12,000,000 by
conducting in-depth reviews of borrowers’ financial statements, credit history & utilizing my credit experience.
Performed other duties as necessary to support the goals & objectives of the Department and other business units.
Standard Federal Bank, Troy, MI 2002 - 2002
Business Banking Underwriter/Officer
Was responsible for evaluating and approving or denying business banking and/or commercial loan applications
between $20,000-$1,500,000, according to business unit standards in a timely manner.
In the Business Banking environment, assessed the risks in specific transactions, in conjunction with bankers and
credit support staff, and developed and executed a strategy to achieve the desired outcome.
Exercised authority to approve loans minimally beyond organization guidelines.
Continuously prioritized key responsibilities in a high-volume, multi-task environment.
Peoples State Bank, Warren, MI 1999 - 2002
Workout Loan Officer/Managed Assets Promoted 2001
Managed a growing $15,000,000 commercial portfolio of under and non-performing loans that involved minimizing
charge-offs and maximizing recoveries by independently developing and implementing cogent workout and
restructuring plans. The portfolio included gas stations, multi-family, convenience stores and investor real estate.
Negotiated commercial loans that included forbearance agreements, loan modifications & receiverships.
Independently turned around & recovered $700,000 in loans within my portfolio in 12-months.
Managed a 250+ account indirect auto charge-off/repossession portfolio, which involves maintaining an Access
database, initiating/follow-up insurance claims & decisioning repossession auctions.
Controlled and managed expenses related to the resolution of assigned credits.
Reviewed loan documentation for errors and worked closely with legal counsel.
1999 - 2001
Senior Credit Analyst
Analyzed loans from $200,000-$3,500,000 examining for excessive risk & “red flags” in compliance to bank policy.
Represented Credit Department by attending loan review committee meetings.
Accompanied Commercial Loan Officers on customer visits and closings.
Spread & analyzed corporate & personal tax returns in addition to spreading corporate financial statements.
Constructed & analyzed cash flow projections, collateral schedules and account receivable/payable agings.
Huntington National Bank, Troy, MI 1997 – 1999
Commercial Credit Analyst
Prepared loan analyses of credits between $1,000,000-$10,000,000 of perspective & established customers and
made recommendations on the customers to aid the Commercial Loan Officers in decision-making.
Examined corporate account receivable and payable agings to determine additional collateral possibilities and/or
collection problems.
EDUCATION
Central Michigan University, Troy, MI
Master of Science, International Business
Walsh College of Accountancy and Business Administration, Troy, MI
Bachelors of Business Administration, Finance
Additional course work in accounting.
Oakland Community College, Oakland County, MI
Associate Degree, Business Administration
TRAINING
•Completed all required Bank Security Act (BSA) compliance training thru 3rd quarter 2009.
•Formal Credit Training - Financial Proformas, Inc., Grand Rapids, MI, 1998
•Problem Loan Workouts, Detecting Problem Loans, Analyzing Construction Loans, Cash Flow Analysis I & II, Business
W riting, Analyzing Personal Financial Statements & Tax Returns, Analyzing Corporate Tax Returns, Commercial
Lending Requirements & Loan Docs in MI, Fundamental of R/E Closings, many others.