Banking / Financial Services Professional

JOSEPH F. STANGARONE

*** ***** ******** #*-*

Irvington, NY 10533

Home: 914-***-****

Cell: 914-***-****

ac5qzz@r.postjobfree.com

FINANCIAL OPERATIONS

Experienced in auditing, branch management and loan origination support Knowledgeable in the areas of compliance, mortgage banking, cash management and lease financing EDUCATION

Mercy College, Dobbs Ferry, NY

Bachelor of Science

Business Administration and Marketing

American Institute of Banking

Principles of Banking

PROFESSIONAL EXPERIENCE

Sterling National Bank – Yonkers, NY 2015-Present

Corporate Services Support Specialist

Process Remote Deposit Capture Applications via EPS Profit Stars software

Migrated customer profile accounts via Bank Link transition process

Initiate third party reimbursement transactions for premium lockbox clients from start to finish

Analyze and manage RDC inquiries through Sterling Central Portal, in response to a broad range of service requests:

- Modification of client profiles;

- Adjust accounts in accordance with credit limits;

- Analyze RDC requests, for both temporary and permanent velocity limits, to support initial authorizations granted by management;

- Identify electronic accounts that require integration with Sterling National Bank’s e- banking system.

Hudson Valley Bank – Yonkers, NY 2010 - 2015

Cash Management Customer Service Representative

Create best practice for client services through the management of daily operations

Monitor inquiries and investigations to ensure follow-up and quality assurance standards

Responsible for amending client accounts through I-Boss Rapid Remote

Override daily dollar deposit limits in accordance with client requests and bank regulations

Identify, adjust and secure sensitive client information via Web Vault and Image Archives Citibank, N.A., Citi Capital, Harrison, NY 2007 -2008 Consulting Lease Pricing Specialist

Primary MHF contact responsible for providing monthly payment quotations and pricing on credit approvals for lift truck leases and loans, both internally and externally to equipment dealers

Provided interest rates, amortization schedules, end of lease equipment values, and various term and purchase option structures

Reviewed proposed lease structures and pricing to ensure complete and accurate information in accordance with all applicable internal policies.

Resolved client issues and provide general leasing information

Followed up with dealers on payment quotations and approved credit applications in an effort to meet or exceed MHF goals for retail new business volume

Exceeded established performance standards for turnaround times and volumes for quotes, pricing, follow- up calls and dealer service

Resource Mortgage Banking, Tarrytown, NY 2002 - 2007 Mortgage Pricing Coordinator

Prepared and distributed weekly rate sheet to all sales personnel

Locked-in existing loans in pipeline at commitment or prior to closing

Priced out new loan submissions and re-priced existing loans in pipeline

Issued various price quotes on different loan scenarios to sales personnel and senior management

Updated rates and A.P.R.’s for weekly fax blast advertisement.

Assisted in updating investor guidelines on product matrix. American Mortgage Services, Shelton, CT 2000 - 2002 Secondary Marketing Analyst

Registered new loans with investors and entered loans into Excel and Contour Systems

Locked in new loans/existing loans in pipeline

Prepared and distributed daily rate sheet

Updated new rate changes, extensions and investor modifications

Issued pricing/quotes on various loan scenarios

KEY ACHIEVEMENTS

Excellence in Customer Service Award

Achievement Award for Outstanding Service to Co-Workers

Yellow Belt Certified for RDC Process

SKILLS

Bysis (Image Research), Infoview, Lockbox Webvault, FIS Client Portal, Bankway, I-Boss Rapid Remote, Lockbox Image Archives, MS Windows (PowerPoint, Word, Excel), Lotus, Info Lease, EPS Profit Stars and Klik Technologies.

Contact this candidate