Customer Service Representative
Resume:
JOSEPH O. MADIANY, MBA
Linwood, PA 19061
484-***-**** or
********@*****.***
EXPERIENCE MGB Consulting Group, Linwood, PA
**** - ******* ********* & CEO
The consulting firm provides highest quality financial and
business solutions to individuals and organizations. The
firm is involved in first class business and credit
solutions to large, middle and small businesses to enhance
leverage necessary towards corporate strategic goals.
Products:
Business Consulting, Loan Underwriting
Collateral Evaluation, Business Plans
Industry Analyses, Portfolio Management
Market Analyses, Country Analyses
Financial Statement Analysis, Business Presentations
Business Valuation, International Business
Business Due Diligence, Business Tutorials
Loan Covenant Review, Loan Closing Facilitation
Business Writing, Real Estate Appraisal Review
Business Loan Review, Contract Evaluation
Inventory Field Examination, Real Property Management
A/R Management Construction Loan Management, Business Advocacy
Swahili Tutorial, Underwriting Training Program
EXPERIENCE Nova Bank, Philadelphia, PA
2006 - 2012 Vice President - Senior Credit Officer
.Analyzed corporate and personal financial statements and
tax returns and other financial
information provided by customers in connection with any
new loan requests assigned in
addition to those submitted for the completion of renewals
and reviews for current credit
relationships.
.Did spread financial statements from borrower.
.Performed due diligence, ordered credit histories, D&B and
relevant searches on new and
existing customers.
.Analyzed financial statements, business and personal tax
returns from borrowers for RM or
PM, including financial projections, and sensitivity
analysis (upon request)
.Working in conjunction with the RM and PM to prepare
underwriting memorandums for
submission to the appropriate approving authority.
.Upon direction of the RM or PM, Interacted with customers,
management, and their
Accountants in the credit analysis process.
.Performed other duties as assigned by the Management of
Credit Administration Department. .Worked closely with
Chief Credit Officer, Chief Lending Officer, Relationship
Managers, and
customer service personnel during the loan underwriting
process.
.Managed the Credit Administration Department.
.Loan Committee presentation experience.
1998 - 2006 PNC Bank N.A., Eastwick, Philadelphia, PA
Assistant Vice President - Commercial Banking Underwriter
.Analyzed commercial loan requests < $3,000,000 for the
entire bank business footprint.
.Performed portfolio management; loan reviews, extensions,
renewals, modifications. .Monitored policy and covenant
compliance.
.Liaison between Credit Center, Community Development, SBA
loans, and PNC Advisors.
.Conducted an in-house Formal Credit Underwriting Program
for new Credit Underwriters.
.Awarded 2 (two) BRAVO AWARDS for service excellence.
1996 - 1998 WELLS FARGO BANK, Brandywine Business Park, West Chester,
PA
Banking Officer - Commercial Credit Underwriter
.Interacted with relationship managers, customers, and
prospective clients to assess needs.
.Provided RM and PM with credit analysis support, including
spreads of financial statements. .Structured loans to suit
customers need.
.Actively participated in the orientation of new credit
analysts, RMs and PMs.
1992 - 1996 CITIZENS BANK, Public Square, Wilkes-Barre, PA
Customer Service Representative
.Assisted in developing new business by responding to
expressed customer/ prospect needs
.Knowledgeable in corporate products and services. Skilled
at suggesting appropriate services.
.Assisted branch management in all areas. Opened and
maintained deposit and loan accounts .Actively participated
and excelled in product telemarketing campaigns.
1989 - 1997 KING'S COLLEGE, Wilkes-Barre, PA
Adjunct Instructor
Classroom and public topical presentations. class
instructions, student evaluation and grading. Researched
economic issues. Panels on Third World social, financial,
and economic development issues.
EDUCATION Wilkes University, Wilkes-Barre, PA May 1996
Master of Business Administration (MBA) - Managerial
Accounting
King's College, Wilkes-Barre, PA August 1988
Bachelor of Science - Economics, Minor in Finance
PAST HONORS & Honors Program, Dean's List
ACHIEVEMENT Consultant, African Cultural Studies, King's College, PA
Member, America Institute of Banking, PA Chapter
Steering Committee, The Peace Center, Wilkes-Barre, PA
Advisory Board, The Diversity Institute, College Misericordia, Dallas, PA
Member, World Affairs Council of Philadelphia, PA
President, Allenpower International Organization,Brookhaven, PA
References Available upon request or see LinkedIn Profile
.
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