Robert E. True

*** ****** *****

Warren, Ohio ***84

Home: 330-***-**** Cell: 330-***-**** MNLS #758282 acw9yq@r.postjobfree.com

Executive Summary

Motivated individual with demonstrated proficiency in listening to client’s needs, and to formulating the action plan to achieve results. Constantly explores opportunities to further elevate customer loyalty and boost revenues. Known for honesty and a genuine passion for achieving goals for self and others. Respected for maintaining a professional and positive demeanor regardless of the situation.

A seasoned banker with over 30 years of experience in all areas of banking. Business Development, Marketing, Sales Management, Commercial/Retail Lending, Indirect Lending, Branch Administration, Branch Maintenance, Operations, and Financial Services. Executive Management and Special Assets in workout situations have been a part of my banking career. Mortgage lending working with team of bankers originating

Loans. Have worked with different regulatory agencies to insure the safety and soundness of financial institutions. Consumer credit responsibility

For several years.

MNLS 758282

Professional Experience

Evolve Bank & Trust 2016 – Present

Working with a team of mortgage bankers originating mortgages primarily in the Columbus market and

elsewhere in the State or anywhere in the country.

Partner with realtors to seek referrals and co-brand with them on their advertising and marketing efforts.

Attend Realtor Association Meetings to keep the banks name out in front.

Call on COI such as attorney’s and CPA and Financial planners looking for referrals.

Education First Credit Union 2015-2016 Lending Manager

Called on CPA firms in the area to establish relationships to provide centers of influence for small business loans. Helped establish an indirect program.

Established relationships with automobile dealers in the Columbus market for indirect lending.

Cultivated relationships with several realtor associations in the market area for the purpose of referrals for commercial and residential mortgage real estate leads.

Established several CPA firms as Centers of Influence.

Consumers National Bank 2010-2015

Business Development Officer

Established business relationships with commercial prospects and customers to maximize those relationships into profitable customers. Bank was growing in the commercial lending area and also in the agriculture lending.

Maintained a Portfolio of over $25 million in commercial and retail mortgage loans with very low delinquency.

Established good COI relationships with CPA’s and Attorneys

Called on existing customers for additional business in addition to asking for referrals for new opportunities.

Commercial real estate and C & I lending.

True Management 2009-2010

Owner

Acted as a key contact person for businesses as their companies contact to the banking community. Assisted with expense control and analysis pertaining to budget performance and prepared reports. Suggested collections strategies.

Worked with a large S&L to protect assets and set controls as to receivables to insure proper distribution of funds. Over saw all assets to insure the institution was properly protected.

Worked with companies to prepare financial reports and documentation for the application of requesting a loan from a financial institution.

Dollar Bank 2008-2009

Vice President

Corporate banking calling on companies with sales of $2 million to $50 million.

Called on commercial banks to find interest level of participating with the bank for larger loans.

Established good Centers of Influence in the Mahoning Valley which produced a good steady flow of prospects.

Continued to serve on the state banking board while at Dollar.

Commercial real estate and retail mortgage loans in addition to C&I lending.

Ohio Department of Commerce 2007-2008

Deputy Superintendent of Banks and Savings Banks Columbus, Ohio

Worked with bank examiners to conduct safety and soundness examinations for State charted banks in Ohio. Issued findings to bank management and discussed any issues that may have surfaced during the exam. Attended bank board meetings if necessary to discuss any of those issues.

Provided a sounding board for bankers to express their opinion about any issue.

Met with others state regulators to see and evaluate their systems.

Worked with the FDIC, OCC, OTS and the Federal Reserve.

Served as Chairman of several different Banking Boards.

Met with banks to discuss problems and find solutions to bring them back to a healthy operation.

Traveled the state visiting every state chartered bank in the state to promote goodwill and a spirit of co-operation.

Supervised 22 bank examiners and senior auditors. Worked with the Consumer Deputy Superintendent with the mortgage crisis in the state.

Farmers National Bank 1988-2007

Vice President Canfield, Ohio

Served many positions while at Farmers National Bank. Marketing Director, Business Development Director, Sales Manager, Indirect Lending/Commercial Lending. Served as Branch Administrator.

Developed Officer Call program to increase loans and deposits. Program was very successful in achieving the desired results. Conducted Mortgage calling program to increase loans.

Researched and developed a discount brokerage department for the bank.

Had a retail mortgage and commercial loan portfolio with zero delinquency of over $25 million.

Managed the Marketing programs of the bank and all sales training.

Appointed to several state banking boards during my tenure at Farmers.

Conducted all sales meetings for branch network. Started a referral program for mortgage loans through the branch network.

Civic Savings Bank 1986-1988

Executive Vice President Portsmouth, Ohio

Responsible for the day to day operations of the bank. Managed the investment portfolio, loan work-outs, restructuring loans and negotiations.

Restructured a new mortgage loan servicing department to insure all documentation was in place.

Packaged many mortgage loans and sold to various investors, such as Bank One and other larger financial institutions.

Commercial lending and Retail mortgage lending portfolio of $25 to $30 million.

US Bank 1972-1986

Sr. Vice President Portsmouth, Ohio

Managed the Marketing Department, the Collection department and total responsibility for the Liability side of the bank.

Established branch administration procedures for branch managers.

Expanded branch locations without the use of outside consulting firms saving thousands of dollars.

Established a sales program to increase loans and deposits.

Commercial and retail mortgage lending portfolio.

United States Air Force 1962-1966 France-United States

Honorable Discharge

Education

Shawnee State University Portsmouth, Ohio

Ohio University - School of Banking Certificate 1972

Kent State University - Consumer Credit 1975

Miami University - Bank Marketing Certificate 1977

University of Colorado - Graduate School of Bank Marketing Certificate 1983

University of Wisconsin - Graduate School of Banking Certificate 1984

Contact this candidate