Banking/Finance Executive

Michael S. McCartney

*** ******** **** ***********, ** 26101

Phone: 740-***-**** Email: *********************@*****.***

EXECUTIVE SUMMARY

Highly accomplished, versatile, and respected banking and business management professional. Expansive range of financial institution and sales management exposure. Experience managing commercial lenders, business bankers, treasury management personnel, retail branch staff, and consumer lending teams. In addition, possesses a long history of personal production in the respective fields of commercial lending, business banking, and consumer lending. Presents nearly twenty years of extensive accomplishments within diverse environments utilizing exemplary management, analytical, organizational, sales, and people skills. History of accepting full accountability for divisional direction and strategic management, development of new services and operations, and revenue performance and enhancement strategies. Dynamic leader, consistently achieving outstanding results in challenging environments while building and maintaining strong, loyal relations with both clients and colleagues. Moves and relates effortlessly across all levels of management. Impressively educated as an MBA graduate.

PROFESSIONAL EXPERIENCE

Vice President-Commercial Banking and Lending Team Lead 8/2012-present

WesBanco Bank Inc., Parkersburg, WV

VP/Commercial Lending and Banking Team Lead for the Southeast Ohio market. Player-coach role, accountable for both personal and team production. Directly responsible for managing a team consisting of four commercial lenders/business bankers, a treasury management representative, and an administrative assistant. Responsible for all lending functions, focusing on existing and potential business clients in the Southeast Ohio and Western West Virginia geographical areas. Accountable for developmental sales, service, and support of small to large sized corporate banking, commercial banking, and business banking clients. Have acquired prospects consisting of a wide variety of industries. Team and personal loan production consists of a mix of both C&I and CRE. Expertise includes lending to tax-exempt bank qualified entities such as public service districts, water and sewer associations, municipalities and other non-profit customers. Team and personal management of a commercial loan portfolio, with tasks consisting of contacting past due customers, tracking covenants, financial reviews, line of credit and annual renewals, loan modifications, and monitoring construction draws and borrowing base certificates. Responsible for adhering to the bank's sales culture, while developing and executing a business plan consisting of individual and market goals. Duties also include preparing credit summaries and analysis on new and existing clients, partnering with each of the bank's lines of businesses, and involvement in the bank's CRA activities.

Total market and personal commercial loan portfolio balances of approximately $180 million, without the assistance of a portfolio manager.

Personally ranked #1 in every major category in the entire company amongst all likewise lenders in 2014 including total loan production, fee income, and referrals.

Out of 65 total individual lenders, placed as follows in the Bank's Annual Commercial Loan Campaign: 2nd in 2016, 1st in 2015, 5th in 2014, and 3rd in 2013.

Have exceeded goals for loan originations, loan growth, fee income, return on equity, and income from production in each year with the organization.

In all quarters and each year-end, achieved at or near 0% delinquency rates.

New clients brought into the bank of varying sizes and backgrounds through a combination of cold calling, prospecting, and networking efforts.

Successfully completed multiple commercial credit training courses.

Led monthly Parkersburg Market officer accountability meetings, consisting of over 20 employees. In addition, a member of the Market’s Community Development Council.

Financial Center Manager 5/2010-8/2012

Fifth Third Bank, Teays Valley, WV

Leader of branch sales and operations of a retail bank in a growing market in West Virginia. Supervised and mentored a total of five employees. Duties included requirements of meeting consumer and commercial sales goals, coaching staff on proper sales techniques, conducting weekly reviews of performance, and adhering to local and federal regulations. Responsible for providing employees timely, candid and constructive feedback. Developed employees to their full potential and providing challenging opportunities that enhance employee career growth. Developed the appropriate talent pool within the branch to ensure adequate bench strength and succession planning. Recognized and rewarded employees for accomplishments.

Won the prestigious President's Circle Award, given to only the top 10 percent of employees.

Ranked #2 year-end in 2010 and #4 year-end in 2011 among 88 Financial Centers in the Central Ohio affiliate.

Was ranked the number one Financial Center in the Southeast Region of the Central Ohio affiliate in 2010.

Given the Most Improved Financial Center Award in 2010. This was due to my branch's improvements in sales results under my leadership over the prior year, when the branch had a different manager.

Passed internal audit twice during my tenure as Financial Center Manager.

Branch Manager 7/2009-5/2010

USBank, Proctorville, OH

Branch Manager of a retail bank in southern Ohio. Responsible for human resource duties, sales and operations results, ensuring compliance with state and federal laws, business banking, building customer relationships, providing leadership to staff at all levels, and many other duties as required. Trained new branch employees on both operations and sales. Acted as the small business banker for the market. Originated small business loans and larger SBA transactions for the banking center. Directly responsible for the management of six employees.

Ranked #1 in the both the district and region out of over 40 branches in revenue growth year over year.

Won Quarterly Pinnacle Award; Reserved for the top 10% of branch managers within the region.

Took over a struggling branch and improved it to Decile ranking 1 from their original Decile ranking of 9. This was a ranking system among branches based on revenue with a scale of 1-10, with 1 being the highest.

Over 100% of plan on multiple sales campaigns during time within the office.

Received an acceptable audit rating during time as manager. The office had not received an acceptable ranking within the past five years, as the previous best was a “watch” rating.

Had zero turnover during time within the office. Interviewed and hired three staff members within my first week in the office, as turnover was an issue previously with the branch.

Assistant Vice President-Branch Sales Manager 2/2004 to 4/2009

HSBC North America/Beneficial Finance, Gallipolis, OH

Leader of consumer finance/lending branch sales team for HFC/Beneficial. As the Branch Sales Manager, was responsible for managing the daily activities and operations of a consumer loan branch. Recruited, interviewed, and trained new employees, processed payroll, completed daily and monthly audits, devised marketing plans, and conducted daily sales meetings with staff and management. Specialized in consumer lending functions, provided financial advising, and oversaw loss mitigation efforts. Managed financial direction for two teams, located in Portsmouth, OH and Gallipolis, OH. The two branches had $60 million and $43 million in outstanding loan balances respectively. Branch loan portfolio managed consisted of mortgages, home equity lines, auto loans, and various personal loans. Four lenders and two administrative assistants were under my supervision.

Finished Ranked #4 out of over 1500 branches nationwide for year-end 2007.

Invited to 3 Presidents' Council Meetings. Reserved for the top 5% producing managers nationwide.

Exceeded growth plan for three consecutive years by over 150% resulting in being awarded “A Circle of Excellence Award.” Distinguished award for the top 10% of managers in production nationwide.

Multiple winner of top producing Branch Sales Manager of the month and quarter. Award given to the one manager within ten branches of the district with the top total sales production.

Recipient of the Division's 2008 Leadership Award. Prestigious award given to one of over 100 division staff members. Received due to planning and executing above company standards including communications, operations, and human resource policies.

Promoted to manage and improve two separate struggling business units in February of 2005 and again in February of 2006. Guided the restructuring of two poorly performing units into strong, profitable entities.

Named District Insurance Director by top level management in which was responsible for coaching struggling branch managers in credit insurance results and motivating the district sales staff.

Named District Training Director by upper management. Tasked with training new and low-performing employees within the district.

Invited to Division Round Table meeting to outline success stories from high performing managers. One of only six managers in the entire state to attend the function.

EDUCATION

Master of Business Administration (MBA), Finance Specialization

Louisiana State University in Shreveport, Shreveport, LA

Graduated with a 4.0 GPA

Beta Gamma Sigma International Honor Society Member, reserved for the top 10% of accredited business students

AACSB Accredited University, an honor received by less than 5% of business programs worldwide

Highly Proficient in Financial Management, Accounting Principles, Microsoft Excel, Statistics, Analyst and Forecasting Techniques, Linear Regression, Marketing Concepts, Leadership Theories, Organizational Strategies, Minitab and SimQuick Analysis Software, and Economics

Bachelor's Degree, Business Administration-Management and Marketing

University of Rio Grande, Rio Grande, OH

Double majored in Management and Marketing

Named to Dean's Merit List

CERTIFICATIONS

Accounting Analytics Certification

University of Pennsylvania, Wharton School of Business

Completed via Coursera

Leading Teams Certification

University of Michigan, Ann Arbor, MI

Completed via Coursera

Small Business Banking Certification

American Bankers Association

In accordance with the American Institute of Banking

COMMUNITY INVOLVEMENT

Active member of the Parkersburg Rotary Club

Currently serving on the Business Outreach Committee for Downtown Parkersburg

Participation in Habitat for Humanity, Young Bankers Club, Junior Achievement, Teach Children to Save, and coaching of youth sports

Assisted in fundraising for SW Resources, a non-profit organization providing employment opportunities for individuals with disabilities.

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