Project Manager Universal Banker

Robert Krakow

Universal Banker

**********@**.*** • 708-***-****

linkedin.com/in/robertkrakow • Orland Hills, IL

Areas of Expertise

Consumer Lending (NMLS#470668)

Financial Analysis

Business Banking

Bank Compliance

Teller/ Vault Audits

Teller Transactions/ CTR

Critical Thinking

Referrals to Business Partners

Retail Banking

Performance Management

IRA/ HSA

Opening and Closing Procedures

Professional Experience

JPMORGAN- Chicago July 2022 to Present

Loan Specialist III- Middle Market Doc Prep Team

Prepare Promissory Notes, Credit Agreements, Term Notes, Note Modification Agreements for Middle Market Commercial loans. I perform due diligence duties including checking a company’s Certificate of Good Standings, order UCC and Tax Liens and Judgement searches, and prepare UCC Releases.

Key Contribution:

Project Manager on UCC Project to develop new procedures for working the UCC in prep report.

Won numerous Starlight awards for service recognition awarded by Underwriters and Customer Service Closers

First Secured Bank & Trust-Orland Park

Universal Banker August 2021-July 2022

Defined, developed, and introduced new methods that helped in expanding customer base and growing business. Completed all assigned tasks in an efficient manner such as opening new accounts and servicing existing customers.

Key Contribution:

● Built long-term relationship with clients to determine and address specific financial needs of individual account.

● Planned and carried out detailed vault and teller drawer audits to identify and overcome any inconsistencies.

Crown Mortgage Company -Oak Lawn (Position Eliminated) April 2021-May 2021

Hybrid Loan Processor / Jr MLO

Processed and managed a pipeline of Purchase and Refinance First Mortgages. Knowledge in Fannie Mae and FHA loan guidelines. Experienced using Encompass Mortgage Software. Ordered VOE and Credit Reports using (CIS) software. Used my knowledge in lending to assist borrowers going through the lending process. The results were loan referrals to our MLO’s

First Midwest Bank-Tinley Park (Job cuts due to Branch Consolidations) Aug 2019 – Jan 2021

Consumer Banking Representative II

Built and strengthened productive relationships with clients that helped in increasing deposit growth. Utilized excellent communication skills while answering customer questions about basic banking services and opened new accounts. Facilitated clients in protecting their accounts by evaluating and assessing suspicious activity and reversing transactions. Maintained accuracy and completeness while processing teller transactions with six months plus with no teller differences.

Key Contribution:

●Delivered exceptional performance, resulting in recognized as top ten CBR for 4th Quarter with a score of 137%.

●Rendered expertise as a consumer loan originator and surpassed quarterly goals consecutively for five quarters.

●Ensured smooth running of functions by providing call center back up for the bank’s customer care department.

First Savings Bank of Hegewisch - Tinley Park June 2018 – Aug 2019

Assistant Branch Manager/MLO

Took appropriate initiatives to guarantee provision of excellent services to customers while focusing on accurately processing teller and banker transactions. Oversaw and managed day-to-day branch operations, including schedules and cash ordering to assure seamless execution of functions. Originated and processed the loan along with gathering the loan disclosures, verifications, and ordered appraisals as well as sent file directly to the loan underwriter.

Key Contribution:

●Recognized as a top loan originator with proven expertise in home purchases and refinances.

●Received “Outstanding Service” and “Sales Star Award” in August 2018 and February 2019.

●Contributed efforts in local chamber of commerce activities that aided in developing and growing business.

●Adeptly originated purchase and refinance loans as well as coordinated and functioned closely with realtors and attorneys to get the purchase loans completed.

●Steered efforts towards community development by providing guidance and financial education to students in low to moderate income areas.

Inland Bank & Trust - Countryside April 2017 – May 2018

Senior Universal Banker

Liaised with team members to deliver outstanding customer service to existing and potential clients while accurately processing teller and banker transactions. Developed productive relationships with clients and referred to business partners. Collected required information to produce monthly audit reports while keeping accuracy and completeness.

Key Contribution:

●Won the Inland Banks’s Employee Strategic Suggestion Award 2017.

●Leveraged key skills and knowledge while opening new accounts, including DDA, SAV, CDS, and IRA’s.

●Implemented best practices and procedures to ensure effective management of branch’s cash supply.

First American Bank - Orland Park July 2016 – April 2017

Personal Banker

Defined, developed, and introduced new methods that helped in expanding customer base and growing business. Completed all assigned tasks in an efficient manner such as opening new accounts and servicing existing customers.

Key Contribution:

●Built long-term relationship with clients to determine and address specific financial needs of individual account.

●Planned and carried out detailed vault and teller drawer audits to identify and overcome any inconsistencies.

BMO Harris Bank – Bolingbrook (Position Eliminated) May 2015 – July 2016

Senior Personal Banker

Supervised and adeptly managed morning huddles to on daily sales activities to maintain efficiency. Expanded branches CRA development by liaising and working closely with community. Oversaw and directed all activities of the branch pertaining to loan production and the sales of credit products.

Key Contribution:

●Received “BMO Spotlight Award” in March 2016 for rendering excellent performance and results.

●Successfully developed and expanded customer base by introducing new methods.

●Planned and conducted training and coaching sessions for new employees to improve performance.

Fifth Third Bank, Lockport 2010 – 2015

Personal Banker

Delivered expert services as a personal banker; headed morning huddles in absence of management to guarantee smooth running of functions. Created synergy within the workplace by building and retaining quality referrals to multiple lines of business. Provided training and coaching to tellers struggling with sales goals and bankers assigned to other locations.

Key Contribution:

●Recognized as a top loan producer in 2011, 2012, and 2013 for achieving 125% of goal.

●Received 2010 Community Hero Award.

●Commended by top management for excellent performance and recognized as top producer in region in TPP and investment referrals.

Additional Experience

Personal Financial Representative, Washington Mutual Olympia Field

Branch Manager/MLO, First Savings Bank of Hegewisch Tinley Park

Education

Associates- Degree - Human Resources and Organizational Leadership Associate of Applied Science

Rasmussen College 2016

Associations Proficiencies

SD230 STEM Advisory Board 2018-2019 Toastmasters- Orland Park 2015-2017 Junior Achievement of Chicago, past board chair and member for the Southern Cook Co Advisory Board, classroom instruction from 1998-present Kiwanis Club of Tinley Park, Past President, Secretary, and Treasurer, member 2005-2012 Norman R Wolfe Award 2006 District 140 Band Parent Association, Treasurer 2009-2010 Orland Hills Planning, Zoning and Development Commissioner 2000-2006 Orland Park and Tinley Park Chamber of Commerce Member 2004-2008

Real Estate Licenses 1991 – 1995 Insurance Producers ACC/HEALTH AND LIFE 1998 – 2002 Notary Public

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