HOWARD S. ELKIN

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

Bethel, CT *6801

Tel: 203-***-****

Cell: 770-***-****

E-mail: adaoqb@r.postjobfree.com

SUMMARY

Bottom-line oriented professional with extensive experience as an Accounting Manager. My strategy has always been to reposition companies by helping to provide five-star customer service, empower employees and grow revenue.

SKILLS & EXPERTISE

Balance Sheet accounting • General Ledger • Month-End Close • Payroll • Investments • Strategic Planning • Long/Short Range Forecasting • Personnel Administration • Policy Review & Development • Compliance • Security • Internal Controls & Audits • Financial Reporting • Statistical Analysis • Vendor Contracts & Agreements • Business Community Leader

CAREER EXPERIENCE

Naugatuck Valley Community College (Waterbury, CT) May,2018-Pres.

Lifelong Learning Program

Instruct evening Bookkeeping/Accounting classes

Assist students in achieving the AIPB Bookkeeper Certificate

NEA Federal Credit Union (Bardonia, N.Y.) 2013-2017

Manager of Accounting, Compliance, Credit & Collections and Human Resources Departments

Steered the voluntary unassisted merger of The Greater Norwalk Area Credit Union with NEA Federal Credit Union.

Reduced loan delinquencies by more than $6 million by developing and implementing comprehensive collection, foreclosure and repossession policies and procedures.

Developed Compliance Department policies and operating procedures for the Connecticut and New York branches.

The Greater Norwalk Area Credit Union (Norwalk, CT) 2011-2012

Manager of Accounting, Compliance, Credit & Collections and Human Resources Departments

Assumed leadership over the credit union, which had 11 consecutive years of operating losses.

Rewrote all lending policies and established new lending criteria.

Dramatically reduced delinquencies, resulting in significant Allowance for Loan Loss recoveries.

Rutgers Federal Credit Union (New Brunswick, N.J.) 2009-2010

Manager of Accounting, Compliance, Credit & Collections and Human Resources Departments

Repositioned institution as viable competitor in the New Jersey credit union market.

Rewrote all credit union policies and procedures.

Developed internal staff expertise.

Modified all contracts and agreements, resulting in $300,000 annual reduction in expenses.

Park Avenue Bank/ First Nation Bank (Atlanta, GA) 2006-2009

Private & Professional Banker

Spearheaded the institution’s entry into “high-net worth” banking.

Developed an unsecured lending “matrix” for physicians, attorneys, and other potential high-revenue professionals.

Booked $5 million in deposits and loans in first year of program.

Designed Private Client Service program, which resulted in numerous physicians moving their business to the bank.

Assigned to pursue commercial loans, as construction lending began to deteriorate. Booked $10 MM in loans and deposits in 2007.

Responsible for “overriding” all retail loans for the bank.

Manage additional commercial/retail bank office.

Midtown Bank (Atlanta, GA) 2005-2006

Mgr./ Professional and Executive Group

Cultivated $20 million loan portfolio and pipeline in first year (2005) by customizing services and offerings for high profile customers (Professional and Executive package).

Created numerous deposit account programs as well as various commercial/ business/construction loan offerings.

Following successful first year, assigned 2006 goals included $5 million in loans per quarter and $1.5 million in quarterly deposit growth.

Developed a Professional & Executive package of programs and services for customers meeting certain income/net worth/designations.

OTHER PROFESSIONAL/CIVIC ACTIVITIES:

Broward County Chapter Director-Florida Credit Union League

Florida Credit Union League Board of Directors

Florida Credit Union League Board Secretary

Henry Medical Center Foundation Advisory Board

Henry Council for Quality Growth

Henry County Chamber of Commerce

The Summit HOA Investment Committee-2016/2018

The Summit HOA Board Parliamentarian-2016/2018

The Summit HOA Budget Committee-2016/2018

New Pond Farm Education Center Investment Committee-2019/Present

New Pond Farm Finance Committee-2019/present

EDUCATION: Bryant College • Bachelor of Science • Business Administration • Providence, RI

MILITARY: U.S. Army Reserve-Honorable Discharge

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