Manager Branch

Gary Dean Toothman

*** **** ******, ** *** **, Barrackville, WV 26659

304-***-**** (cell)

add0j8@r.postjobfree.com

Experience

Justice Federal Credit Union – Clarksburg, WV

Senior Business Unit Manager (October 2009-Present)

Direct the operation of four branch offices including new accounts, loan processing and member services. Monitor key products and sales at each branch to ensure profitability, sound business practices and high quality of member service. Responsible for monitoring and tracking branch activity including the number of transactions, volume, teller errors and sales.

Spearheaded and negotiated several new SEG Groups to become eligible members of the organization.

Transformed the branch ethic of staffing with all (FSR ) Financial Service Representatives, for the one stop shop method

Piloted the branch use of TCR Cash recycler machines.

Coached and Mentored as well as manage and train 12 professional staff that are capable of providing efficient and effective member services. Responsible for interviewing, scheduling, training, assigning work and evaluating.

Pioneered the Branch Threshold for loan growth in consumer loans. Managing the first and only branches to reach the million dollar mark in a months’ time period.

Supervise and direct the opening and maintenance of deposit and loan accounts. Ensure that documentation meets policies and standards.

Budgeted and evaluate and report overall account service activity. Ensures that branch audits and reports are accurate and reported in a timely manner.

Reduced the budget for all my locations for cost effective budgeting by cutting costs.

Responsible for the day to day maintenance of basic equipment operations (TCR, CDM Cash machines, ATM, check scanner, encoder, computer network, copier, etc.).

Drove Growth by representing and promoting the Credit Union within the business community.

Branch Manager (November 2004-October 2009)

Managed branch office in providing quality service to new and existing members in account transactions, loan applications and new accounts.

Ensured that the branch was in compliance with credit union regulations and procedures, and federal and state laws and regulations set forth by the National Credit Union Administration and other regulatory agencies.

Scheduled and trained branch staff to ensure efficient branch operation.

Conducted loan interviews. Processed, recommended approval and closed loans.

Assistant Member Service Manager (November 2003-November 2004)

Assisted Branch Manager with managerial and administrative functions of branch, and call center.

Monitored office activity, including number of transactions, loan volume, sales volume, etc.

Prepared daily, weekly and month-end reports regarding operations and productivity.

Maintained communication between Branch Manager and staff. Provided support, guidance, and training to branch staff.

Fairmont Federal Credit Union – Fairmont, WV

Collections Manager (July 1998-November 2003)

Implemented and ensured that credit and collection policies, procedures, practices and documentation met federal and state regulations.

Assigned, monitored and supervised the workload in the Collections Department.

Reviewed collection reports to determine status of collections and balances outstanding, as well as to evaluate effectiveness of collection policies and procedures.

Prepared payment reduction or extension requests for credit committee review.

Audited delinquent accounts before assigning bad debt status.

Took action to repossess, foreclose and take possession of collateral involved in delinquent loans.

Evaluated collateral and arranged for its disposition.

Attended hearings concerning bankruptcy and presented testimony on behalf of the credit union.

Maintained files, records, and journals to provide a chronology of collection activity for delinquent accounts. Provided weekly, monthly and quarterly reports of collection results.

Gary Dean Toothman Page 2

Experience (continued)

One Valley Bank – Fairmont, WV

Collections Officer (October 1994-July 1998)

Performed loss mitigation and recovery activities regarding delinquent or charged-off accounts in accordance with Bank and legal guidelines, including related state and federal regulations.

Conducted routine outbound collections calls to help minimize loss and enhance loss recovery.

Participated in early, mid and late stages of the collection process to include loss mitigation, foreclosures, repossessions, pre charge-off, charge-off, recovery, bankruptcy and agency liaison collections.

One Valley Bank – Fairmont, WV

Computer Operator (November 1992-October 1994)

Maintained and authenticated registers. Documented physical security, access control and breakdowns, corrections to ensure safety and security of computerized operations and normal functioning of the system.

Generated reports and statements and backed up data as specified.

Performed all the day end, month end, quarter end, and year-end activities as provided by the system including calculation of interest, balancing of books.

Posted vouchers and checks.

Covered Bridge Auto Sales – Fairmont, WV

Sales Representative (1987-2005)

Learned buyer requirements quickly and guided them through the cars on the lot.

Maintained professional knowledge of all cars on the lot.

Negotiated and discussed prices, warranties and incentives.

Kept books and records.

Video Saloon Video Rentals – Fairmont, WV

Small Business Owner (1991-1993)

Kept books and records.

Filed state and federal taxes.

Worked independently and supervised the work of others during the operation of a video rental store.

Education

Secret Security Clearance

Associate Degree in Computer Network Management, Computer Tech. (October 1994)

Completed coursework in Business and Education, Fairmont State College (1987-1991)

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