John T. McCarthy

**** * ****** **. *********, Pa 19464

Phone: 215-***-****

Email: aca22w@r.postjobfree.com

OBJECTIVE

To secure a position in a challenging and creative environment that will

allow me to utilize my business and communication skills.

PROFILE

Extensive management, banking and mortgage lending background. Expertise

includes providing and servicing mortgage, consumer, small business, auto

and bridge loans. Experienced in promoting bank products, including IRAs,

mutual funds, CD's and money market accounts. Strong customer focus.

Skilled at building financial rapport and developing long-lasting, trusting

relationships with customers. Provide tailored solutions to individual

situations. Excellent organizational skills. Accomplished in coordinating

all aspects of the loan process to ensure that deadlines are met and

clients satisfied.

EMPLOYMENT

Assistant Branch Manager, Customers Bank December 2011 - October 2012

Managed and coordinated activities of all colleagues. Actively sought out

and engaged potential personal and business customers in order to generate

additional branch business. Provided financial services to current

customers, and aided in cash management activities. Evaluated documents

prepared by bankers, such as home equity loan applications and new deposit

accounts, to ensure compliance with bank policies and procedures. Oversaw

branch office operations to ensure that security procedures were being

followed. Responsible for training new employees, developing work

schedules and monitoring work performance. Coordinated bank at work events

at SAP, The Philadelphia Home Show and The Wayne Jazz Festival.

Assistant Branch Manager, Citizens Bank December 2008 - November 2011

Overall responsibility for daily operations, including management of Teller

(including Teller Manager) and Customer Service staff of a Tier I branch.

Provided sales leadership to ensure franchise growth through personal

example and regular monitoring of team sales results. Under guidance of

Branch Manager may hire, fire, review, and counsel staff. Reviewed teller

work schedule. Scheduled bankers to ensure adequate coverage. Responsible

for keeping branch in compliance with all bank policies and procedures and

preparing branch for internal audits. Monitored branch service quality

levels and coach staff to achieve appropriate levels. Responded to complex

customer complaints and questions. Coordinated special events such as

Customer Appreciation Day.

Financial Specialist, Wachovia October 2006 - December 2008

Worked to build long-term advisory relationships with clients (both

individual and small business) by analyzing situations from the clients'

perspective, with the goal of achieving results which are in the best

interest of both client and Wachovia. Developed strategies to build

existing client base and develop new clients. Strategies included pre-call

planning and post-call follow up, ensuring client satisfaction and results.

Developed referral sources inside and outside of the bank leading to

potential clients. Maintained a database of over 500 clients. Provided

continuing correspondence to ensure satisfaction and generate future

revenues. Handled customer sales and service requests from financial center

walk-in traffic. Discussed both short-term and long-term financial options

with clients, utilizing both consulting sales approaches and financial

expertise to create value based solutions for customers. Responsible for

achieving individual and team goals. Exceeded loan goals by 25% in year

2007. Exceeded small business goals by 10% in year 2007. Exceeded deposit

goals by 35% in year 2007. Targeted to exceed total goals in year 2008 on

average by 24%.Worked as a team with fellow financial specialist, tellers

and branch manager to generate customer growth and to ensure branch goals

are met. Used leadership role as a position to motivate and generate

enthusiasm among branch team members. Actively participated and set goals

during daily morning roll meetings. As a result, branch exceeded all goals

for the past 7 months, including those for new checking, new residential

loans and small business products.

Retention Loan Officer, Wilmington Finance June 2004 - October 2006

Responsibilities included reselling borrowers who had withdrawn from the

mortgage process with Wilmington Finance after submitting their

application. This included reworking existing deals in such a manner as to

guarantee the borrowers satisfaction with our product and service and

ensure loan closes. Only loan officer to manage and service Underwriting

Files. These responsibilities included contacting and reselling borrowers

who had canceled their loan into the closing process as well as customers

who had rescinded. Customized loan programs tailored to meet the financial

needs of individual clients. Reviewed credit reports, analyzed income

statements and performed underwriting of income versus debt and combined

asset worth. Utilized Freddie Mac LP and Fannie Mae DU to determine

customer qualifications. Ensured timely closing of loans by maintaining

constant communication throughout the entire loan process amongst borrower,

appraiser, loan company, title company and Realtor.

Retention Loan Officer, Upland Mortgage November 2003 - May 2004

Fielded incoming calls from current customers requesting payoffs for

refinancing options elsewhere. In turn resold customers on the benefits of

their current or refinancing options with Upland Mortgage. This included

starting a new mortgage process, most likely including other debts to

improve customer credit scores, thereby positively affecting customers

while increasing revenues for Upland Mortgage. Responsible for ensuring

refinancing process is smooth and error free for customer and company by

gathering all documentation and information from customer. Responsible for

closing, following up and ensuring customer satisfaction.

Senior Loan Officer, Encore Mortgage Services May 2003-August 2003

Primary responsibilities included originating and closing Prime, Sub-prime

and Jumbo loans. Maintained current customer contact and ensured excellent

customer satisfaction and communication. As a founding member of a second

office actively sought to expand clientele through online lead source and

referrals. Worked with Realtors and potential clients to educate consumers

on the Community Reinvestment Act. Worked directly with investors to find

the correct loan product for customers. Followed up with loan progress to

ensure closing in a timely manner.

Loan Officer, Freedom Mortgage October 2002-May 2003

Primary responsibilities included originating and closing Prime, Sub-prime

and Jumbo loans. Maintained current customer contact and actively sought to

expand clientele through our online lead source and referrals. Worked

directly with our processors to ensure that loans were closed in a timely

manner. Secondary responsibilities included running credit, collecting all

necessary documentation and fees and using Freddie Mac LP, and Fannie Mae

DU to determine customer's qualifications.

EDUCATION

Kings College, Wilkes Barre PA

Communications and Marketing Major

Computer skills acquired from courses including Introduction to Computers

and Computers II (Word, Excel, Power Point, and Internet).

Alpha Phi Delta Fraternity Member- Nationally Recognized

Thespian Organizations

Knights of Columbus

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