Financial Services Business Development
Resume:
JOHN M. CANNELLA
** **** ***** ********, ** ***62
MANAGEMENT
Financial Services Management Business Development Credit/Risk Analysis
Accomplished Manager with multi-channel consumer finance product distribution, and underwriting experience. Results-oriented, decisive leader with a proven track record of increasing receivables, performance and bottom-line growth while spearheading improvements to drive productivity and reduce costs. Excel in dynamic, demanding environments while remaining pragmatic and focused.
CORE COMPETENCIES
Budget/Sales Forecasting
Risk Management
Change Leadership
High-stake Negotiations
Organizational Restructuring
Customer/Client Focus
Key Partnership Development
Creative Trainer/Coach
Overall Business Acumen
PROFESSIONAL EXPERIENCE
LENDMARK FINANCIAL SERVICES Jun 2024 – Present
Responsible for cleaning up bad debt (delinquency) by training my employees the proper way to approach different situations and listen to customer’s concerns.
Responsible to increase profit based on increasing unit production and making sound approval decisions to decrease charge off.
Responsible to clean up Audit/Compliance issues that currently exist in the Branch
Responsible for maintaining a positive work environment to increase employee retention.
Responsible for all monetary deposits daily and making sure no discrepancies in cash, check, and debit transactions equal the end journal.
MARINER FINANCE Oct 2014 – Jun 2024
Responsible for meeting Company goals by the influence of team members to reach their individual goals.
Responsible for meeting the Return on Assets set by Company Standards.
Responsible for the hiring and promotion of employees.
Responsible for Compliance, ECOA, Branch Morale, Career advancement and Career Retention.
Responsible for Auto Dealership Bulk Purchases and financing auto loans
*** Presidents Club winner 2020, 2019, 2018, 2017, 2016, 2015 and 2014 ***
*** Branch of the Year 2016 and 2017***
*** Graduate of the 2 year Edge Program***
ENCORE PAYMENT SYSTEMS Apr 2009 – Oct 2014
Business Analyst
Responsible for setting up new merchant accounts by doing cost comparison and forecasting to help cut expenses and increase overall profit.
Key Achievements:
Increased merchant’s traffic flow 18% in less than 6 months
Set up over 65 new accounts in 6 months doubling my sales goals
Increased overall customer satisfaction by providing excellent service
Customer referral is nearing 30% which is 2-% higher than company average
WELLS FARGO & COMPANY, Hampton, Virginia Feb 2001 – Mar 2009
Branch Manager 2, US Consumer Division
Provided leadership for $50 million financial services operation with six employees and net field profit annually during my tenure.
Led operations and strategic direction with full responsibility for bottom–line factors, including long-range planning, product management, employee career development and provided cross-functional management throughout six separate offices. Performed portfolio construction to properly diversify and protect client wealth. Developed budgets and forecast growth trends in various market segments.
Key Achievements:
Improved productivity while reducing staffing and operational costs by 32%
Held client portfolio’s consistently above benchmark measures.
Successfully promoted team-based environment of performing excellence
Returned store to high profitability through strategic and efficient restructuring
Earned the Company’s Fast Start and Circle of Success honors
First class inductee to the Store Manager 2 position
WELLS FARGO & COMPANY, Virginia Beach, Virginia 1997 - 2003
Store Manager 1, US Consumer Division
Provided leadership for $6 million financial services operation with three employees and net annual field profit to exceed companies expectations.
Managed largest branch operation in the district. Recruited, trained, mentored, and developed financial and administrative teams. Established many relationships with area businesses and civic organizations to maintain positive company visibility.
Responsible for Auto Dealership Bulk Purchases and financing auto loans
Key Achievements:
Earned back-to-back annual Star Performer honors (top 1% of all Store Managers company-wide for excellence in performance)
Earned Branch of the Year honors for District past four years
Promoted from Assistant Manager to Store Manager in two months
ISLANDER HARDWARE AND SPORTS, POQUOSON, VA 1989 - 1997
Sales Manager, Sporting and Hardware Division
Provided leadership for the overall success of both the Sporting Goods and Hardware Division working with a staff that consisted of 6 employees.
Established many relationships with local Schools and Universities to increase client base and help generate additional revenue. Generated work schedules and responsible for employee development. Assisted customers with technical requirements and assisted with inventory maintenance, replenishment and forecasting.
Key Achievements:
Developed and maintained the largest accounts the company serviced
Promoted Assistant Manager 6 months prior to evaluation
Promoted Sales Manager 5 months into 2 year program
EDUCATION
Bachelor of Science, Business Administration (BS)
CHRISTOPHER NEWPORT UNIVERSITY, NEWPORT NEWS, VA
PERSONAL REFERNCES:
Scott Reise
President of Tenacity Mortgage
Dedin Witherspoon
Senior Advisor for Merrill Lynch
Bob Bonitz
Area Manager for Wells Fargo
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