STEVEN FOX

BELLWOOD, ILLINOIS

ac8w55@r.postjobfree.com 708-***-****

BANKING/ BUSINESS DEVELOPMENT/ MANAGEMENT

Experienced professional with a successful career in banking, business development and management. Excel at interfacing with others at all levels to ensure organizational goals are attained. Superior interpersonal, organizational, and problem-solving skills.

PROFESSIONAL EXPERIENCE

BMO HARRIS BANK – NAPERVILLE, ILLINOIS 2016-2018

Senior Loan Processor

Reviewed initial loan approval and worked with borrowers to gather appropriate documentation for loan submission. Collected all required documentation for the loan package.

Submitted files to the assigned Underwriter.

Satisfied all conditions when the loan has been conditionally approved by the Underwriter.

Ensured that approval fall within the established lending guidelines.

Communicated with other professionals, including attorneys, county clerks and title companies.

Effectively submitted over 20mm in loans to closing on an annually.

BANK OF AMERICA – ROLLING MEADOWS, ILLINOIS 2015-2016

Senior Loan Processor

Provided support to loan officers and underwriting teams to ensure timely, judicious, and accurate processing for mortgages.

Researched and validated all documents submitted to underwriting including credit, title property appraisal and title income assets, and insurance.

Analyzed and verified borrower’s income statements, credit reports, employment histories, property appraisal and title insurance for accuracy and red flags to prepare loan application for underwriting approval.

Calculated borrower’s debt-to-loan, income, assets, and loan-to-value ratios to evaluate the borrowers credit worthiness.

Effectively submitted over 20mm in loans to closing on an annually.

STATE BANK OF COUNTRYSIDE – COUNTRYSIDE, ILLINOIS 2013-2015

Business Banker

Identified and generated new business through prospecting efforts within assigned area and collaborative networking with internal partners and external centers of influence.

Implemented an aggressive calling program, targeting companies with annual revenues up to $5 Million. Cross-sold bank products and services, with emphasis on fee income growth opportunities.

Prepared and presented proposals and presentations to existing clients and prospects.

Increased market presence by consistently and effectively networking within the Chicagoland area.

Created and submitted weekly reporting as directed by management.

Maintained strong product, operational, compliance and banking knowledge, both deposit and loan products.

Collected financials from clients and completed financial analysis and loan proposal to present to the banks senior lending officer and banks president using Fi Serv. Software.

SEAWAY BANK AND TRUST COMPANY – MAYWOOD, ILLINOIS

Assistant Vice President, Business Development/Retail Loan Office 2010-2012

Managed meeting with existing and potential new clients to develop new business for the bank. With attention to small businesses with annual revenues of 1-5 million.

Restructured loans in bank loss-share portfolio.

Developed and underwrote new commercial and consumer loans applications including Conventional and VA. Loans.

Worked with local municipalities to develop programs for residents and businesses.

Worked with borrowers collect and or restructure their delinquent loans.

FIRST SUBURBAN NATIONAL BANK – MAYWOOD, ILLINOIS 1991-2010

Assistant Vice President, Business Development/Retail Loan Office 2006-2010

High-profile management position controlling business solicitation within the Chicagoland area.

Developed tactics to increase assets and profitability within Maywood and Chicagoland area.

Worked with current clients with regards to expanding and growing their business.

Cross-sold banking services and products to current clientele.

Collected financial documents and write loan proposal to present to sr. lending officer using laser Pro And Jack Henry Software.

Underwrote commercial loans and conventional, FHA.

Worked with borrowers to collect or restructure their delinquent loans.

Retail Loan Officer 2001-2006

Meet with client’s and determined creditworthiness of prospective customer.

Underwrote loans, Conventional, FHA, and HELOC loans, summitted proposals to senior lending officer for approval.

Prepared laser pro documents utilizing laser Pro.

Scheduled and completed closing process.

Built and maintained solid banking relationship with customers.

Actively pursued delinquent customer loan portfolio. Collected on delinquent loans.

Loan Servicing Specialist

Branch Manager

ORGANIZATIONS

Member, Melrose Park Chamber of Commerce 2005 - 2012

Chairman, Maywood Chamber of Commerce 2007 - 2012

President, Broadview Commerce and Industrial Council 2010 - 2011

President, West Cook County Boys and Girls Club 2008 - 2016

Member, Maywood Rotary 2000 - 2013

EDUCATION

Lewis University School of Banking

Central Piedmont Community College, Charlotte, NC

Wilbert Wright Community College, Chicago, IL

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