John F. Kirk

ad5au2@r.postjobfree.com

www.linkedin.com/in/john-f-kirk

San Antonio, TX, 210-***-****

Bank Business Process Consultant

Experienced Consultant and Lending Officer with over 10 years of extensive lending experience in business development, credit underwriting loans, loan documentation, and portfolio management. Proven track record of cultivating and nurturing relationships with small to middle market commercial companies, professionals, and associations. Adept at analyzing financial statements, ensuring compliance, and presenting credit memos to credit committees. Demonstrated expertise in cross-selling various banking products and services. Possesses excellent presentation, communication, and networking skills, coupled with a thorough knowledge of mortgages, all lien products, all bank products and several core banking systems. Ability to work independently and effectively manage client relationships.Committed to leveraging local contacts and expertise in diverse business sectors to drive growth, while maintaining a focus on portfolio management and regulatory compliance.

Areas of Expertise

Commercial Lending

Market Analysis

Legislation & Reporting Information

Credit Review & Risk

P & L Responsibility

Leadership & Team Building

Mentored staff

Credit underwriting

Business Development

Relationship Management

Growth Strategies

Annual Reviews

Accomplishments

Developed strategic banking pipeline based upon parameters assigned by line of business to deepen and expand your portfolio and the bank's presence in the market.

Expanded the loan mix to include larger loans in the $2 mm to $5 mm range

Produced strong client relationships through disciplined calling efforts, understanding the client's strategic and financial objectives.

Expertise in lending practices to include: loan documentation, perfection of security interest, lines of credit, financial statement analysis, cash flow analysis, loan review, credit reports, regulatory compliance and confidentiality practices.

Prepared monthly reports including key performance indicators (“KPIs”), financial performance, budget, and growth goals as well as ad hoc analysis

Surface issues and provide feedback to appropriate corporate functional leaders for visibility and timely resolution.

Software skills include Microsoft programs: Excel. Word, Power Point and Outlook, typing and many core banking systems.

Represented organizations in meetings, conferences, and trade shows at national, state, and local levels, selling the organization's services.

Demonstrate exceptional customer service by prioritizing the needs of clients and stakeholders, in alignment with the organization's mission.

Bank Secrecy Act (BSA) Officer and oversaw Anti-Money Laundering, Gramm-Leach-Bliley, RESPA. OFAC, CRA, Fair Lending reviews.

Career Experience

Managing Director, The JFK Firm, LLC, San Antonio, TX 2007 – Present

Provide strategic consulting services to diverse range of clients, including non-profit foundations, startups, healthcare companies, payment processing companies, entertainment companies, real estate companies, and other small businesses. Currently collaborating with MYFreePharmacy to increase membership and promote low-cost prescription delivery services. Playing a pivotal role in revolutionizing the delivery of prescription drugs, eliminating co-pays and deductibles all with a fixed monthly membership fee. Specialize in strategies aimed at increasing sales, maximizing profits, and reducing expenses.

Commercial Loan Officer, A+ FCU, Austin, TX 2021 – 2022

Proven track record of successfully originating ne relationships, structuring, and closing commercial loans. Increased the size of loans by over 20%. Possess a deep understanding of credit analysis, risk assessment, credit policies and financing proposals to tailor comprehensive lending solutions and deposit products for diverse businesses.

Regional Director – Market President, Pentagon Federal Credit Union, San Antonio, TX 2016 – 2019

Used strategic approach to find mergers that would complement the overall goals of the credit union. Provided professionalism and leadership for the smooth integration of Alamo Credit Union into Pentagon Federal Credit Union. Provided a comprehensive plan to promote the credit union brand that increased awareness of all products and services.

President and CEO, Alamo Federal Credit Union, San Antonio, TX 2011 – 2016

Hired as part of a management team to put in place administrative tasks and safety in soundness to San Antonio’s oldest credit union. As CLO achievements included installing a prudent lending process with an effective collection effort. Lending volumes increased over 25% and delinquency was brought to less than .75%. Credit losses were over 2.5% were reduced to .35% and put in place loss prevention controls. Combining the CLO/COO positions resulted in membership growth over 10% and cross selling provided additional revenue. Put in place processes to accurately and effectively stay in compliance and received very favorable examinations.

Additional Experience

First Vice President: Consumer Loan Division, San Antonio Federal Credit Union, San Antonio, TX

Manage entire direct consumer loan credit facility of over $250 million. Established lending protocol for Visa, MasterCard, Lines of Credit, Overdraft Protection, Boat Loans, Automobile Loan, and other Consumer Loans. Developed affinity relationship with Daughters of the Republic of Texas, which resulted in the introduction of the “Alamo MasterCard”. Proceeds from card usage support restoration and preservation of the Alamo.

Education

Harvard University, CSS

Business Administration and Management

University of Virginia, Graduate School Retail Bank Management

Worcester State University, BA, Economics

CPR & AED Certified

Associations

Bexar Bulverde Volunteer Fire Department – Assistant Treasurer/Chief Investment Officer

San Antonio Chamber of Commerce Rotary Club - Downtown

New Braunfels Chamber of Commerce UTSA CITE School – Mentor & Coaching

Advisory Board member and Mentor Masters Leadership Program of San Antonio

Eagle Scout Award Blessed Sacrament – Board Member Comal ISD – Strategic Planning Committee South Texas Blood and Tissue - 12-gallon+ Club member

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