Vice President Manager
Resume:
Mario Michael Gaia
*.******@*****.**
St. Louis, MO m
63141
Work Summary: Prior to moving into the Financial Institution management
field, my work experience was with a large national
corporation as manager of accounts receivable,
collections, reviewing receivable financing plans in
several States, working with marketing department to
review, approval of credit line, and collections of
dating plans. This book represented total customer lines
of over 100,000.00 outstanding and maintaining a very low
delinquency rate. The work involved meeting with the
customers several times a year at their office to
structure payment plans along with assisting the customer
in meeting with their banker for assistance
2012-Present
Mid America Mortgage. 1610 Des Pares Rd. St.
Louis MO
Licensed Loan Originator Missouri NMSL ID774719
Mortgage Loan Officer
2010-2012 Heartland Mortgage
St. Louis, MO
Mortgage Loan Officer
Contact former and current banking clients to offer
residential refinance options to improve their cash
flow and current rate.
Record information needed by processing and underwriting
personnel to meet Fannie and FHA requirements for Home
purchase or refinance of present mortgage. Meet with Real
estate developers to provide home loan funds to
developer's clients to purchase Houses or Condo's
2002-2009 Truman Bank St.
Louis, MO
Commercial Loan Vice President
Increased personal loan portfolio from $30 million to $85
million.
Increased new Depositor relationships by over $15 million.
Substantially increased new loan fee income.
Manage the resolution of problem loans in the assumed
portfolio.
Assisted the Loan Loss manager in the liquidation and
collection of Watch loan credits.
1995-2002 Concord Bank St.
Louis, MO
Vice President Loans and Business Development
Organized and started New Bank in the South St. Louis
County Area
Supervised operations and construction for new bank
building
Wrote all policies and set up procedures to accelerate the
profitability by the second month in business.
Supervised all personnel in areas of lending, new business
development, and mortgage broker operation.
1991-1995 Rockwood Bank Eureka, MO
Vice President
Developed new loans and account relationships in excess of
$15 million.
Expanded loan volume of Home Builder relationships.
Revised all policies and instituted regulatory compliance
training program.
Expanded sales to include mass-market accounts for Master
Card Visa merchant services.
Supervised the setup and operation of the residential
mortgage department which generated gross revenue of over
$180,000 in the first year.
1981-1991 Magna Bank of Columbia Columbia, IL
Executive Vice President - Director
Managed branch office in Cahokia, Illinois after merger
into Magna Bank of Columbia and served as director on the
Bank's Board of Directors. Duties included supervision of
all branch personnel, lending and business development.
Also participated in local community organizations.
Member of the Executive Loan Committee.
Assisted in the preparation of annual budgets and
increased earning from fee income.
Chief Operating officer and President prior to sale to
Magna Banks.
Responsible to improve credit quality and work out problem
loans.
Performed on site examinations and valuation of assets of
three banks which were under option to purchase by sole
owner of bank prior to sale to Magna.
Additional Banking Experience:
President Ladue-Innerbelt Bank - improved asset quality -
Bank sold.
President - Fidelity Bank and Trust Co - improved asset
quality - Bank sold.
Executive Vice President - Pioneer Bank and Trust Co
Vice President - Mark Twain Bank
Education: Washington University - Associates Degree in
Finance and Credit Management.
Completed Independent Bankers Association Executive
Officers Business program at Harvard University.
Affiliations
And Director - Robert Morris Associates.
Achievements: Instructor Robert Morris Associates Commercial loan
officer training program.
Director Chamber of Commerce Cahokia, IL.
Member of Economic Development Commission.
Director of St. Clair County Junior Achievement.
Member Various other Civic Clubs.
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