Project Management Commercial Lending
Resume:
JEROME GOLDSTEIN Resume
Olivette, MO 63132
Phone 314-***-**** ******@***.***
Summary of Qualifications
Extensive knowledge in accounting, banking, financial services, mortgages, underwriting, credit underwriting, banking procedures, and project management . Strengths include consumer and commercial lending, private banking, mortgage lending, accounting, and financial analysis.
Member of Board of Directors of: Alliance Credit Union, Health Care Interchange, Missouri Machinery and Engineering, Credit Systems Inc, Mid-America Payment Exchange, and Mercantile Bank of St. Louis County, Monetary Teansfer System.
SKILLS
- Accounting
-Commercial Lending
- Risk Management
- Private Banking
- Consumer Lending
- Credit Review & Loan Approval
- Strategic Planning
- Financial Analysis
- Project Management
- Accounting
EMPLOYMENT
Alliance Credit Union - 2003 - 2017 St. Louis, MO
Consultant & Business Loan Manager
- Established new Small Business Lending unit that added $22 million of new loans; $9 million in 18 months.
- Obtained SBA Certification for credit union & initiated 7a & 504 loans.
- Established and managed the Loan Review & Risk Rating Process.
- Modified loan processing and accounting systems to support business loans
Developed necessary Forms and Written Procedures.
- Maintained Loan Losses below %.
- Won SBA awards.
- Member, Credit Union Board of Directors
FELCO Autolease - 2000 – 2002 St. Louis, MO Senior Vice President, CIO
- Reengineered an independent auto leasing operation.
- Implemented new $5 million automobile leasing IT software. .
including automated FICO credit scoring.
- Revised general ledger loan accounting
- Managed IT staff of 12 programmers, plus as many as 17 consultants.
- Also served as Legal Officer, managing lawsuits, regulatory
compliance, and consumer disputes.
Solutech, Inc. - 1998 2000 St. Charles, MO
Robert E. Nolan Company Inc. Dallas, TX Keystone Consulting Inc. Atlanta,GA
The SCA Group Chicago, IL
Senior Banking Consultant
- Multiple consulting and re-engineering assignments focusing upon improving operating efficiencies and down-sizing in both banking and insurance companies. Traveled extensively to Client sites.
Fireman’s Fund Insurance Co. - 1996 --1997 St. Louis MO
Manager of Finance & Administration
- Established new nationwide direct marketing operations center for
auto and homeowners insurance sales and service. A startup, this
unit grew to more than 100 employees.
- As CFO, developed accounting practices, balancing procedures,
home office reporting, bank reconciliations, etc.
UNISYS -
Bank Consulting Manager - 1993 - 1996 St. Louis, MO
- Designed, developed, and implemented information and accounting systems for mid-western commercial banks in an 11 state region.
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Missouri State Bank - 1993 St. Louis, MO
President
- CEO of a $33 million community bank. Chief lending officer. Assignment was to strengthen balance sheet, resolve problem commercial loans, and sell the institution. Accomplished goal in 9 months.
Health Care Interchange -1990 1992 St. Louis, MO
President –
Founded, developed, and managed new health care electronic claim submission and payment service for physicians and hospitals. Developed necessary new accounting procedures. Grew to service more than 1,000 physician offices and 100+ area hospitals.
Mercantile Bancorp (now US BANK) - 1975 – 1990 St. Louis, MO
Executive Vice President
- Multiple line and staff management positions during a 15 year
period. At various times managed Marketing, Retail Banking, Small
Business Lending, Private Banking, Cash Management Services, & Information Services Sales,
- Product Development, and Strategic Planning.
- Retail Banking Managed 31 retail branches, which grew 25% in each of 3 years.
- Mortgage Banking Grew residential real estate portfolio to $400
million, and centralized servicing. Upgraded processing system and procedures. .
- Private Banking – Planned, developed, and managed the
establishment of a Private Banking unit to focus on upscal clientele. Unit grew to $200+ million.
- Commercial Lending Managed $250+ million of small business loans. Member of Loan Approval and Loan Review Committees
EDUCATION
University of Illinois, Urbana, IL, BS in Management, College of Commerce, 1963. Minor in Accounting.
PUBLICATIONS
Numerous published articles in: The Bankers Handbook, Bank Planning
News, Systems & Equipment, Small Business Monthly, American Bankers Association Competitech, & The Medical Business Journal
PREVIOUS PROFESSIONAL ACTIVITIES
- Faculty Instructor, ABA Stonier Graduate School of Banking
- Chairman, MidAmerica Payment Exchange (ACH)
- Director, National Automated Clearing House Association (NACHA)
- ViceChairman & Director, Credit Systems Inc. (Credit Card)
- Vice Chairman, Monetary Transfer System (Shared EFT Mechanism)
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