Experienced Banker
Resume:
ROGER S. PESCINSKI
CELL 815-***-****
l8xfwa@r.postjobfree.com
Summary: 18 plus years experience in Lending in Illinois, Wisconsin. Extensive hands on experience with Ag, C&I, CRE in a financial institution setting plus compliance/risk assessments and management.
MAY 2004 TO 2010: VICE PRESIDENT OF LOANS AT THE HARVARD STATE BANK
· C&I plus CRE, Ag, and Consumer Lender in mid market arenas plus cross selling, all bank products to customers and prospects. I have exceeded self-set production goals the last 5 years on loans and related products. I have grown the portfolio to $30,000,000 by using sound lending practices and underwriting.
· Implemented credit scoring and pricing models for C&I Ag, and Commercial real estate existing and new loan customers for the bank. This led to increased interest income from 50 to 100 basis points on the portfolio.
· Bank contact for software used in the loan department such as Banktrac, Web Equity (Ag), Baker Hill(C&I), Document imaging, etc.
· Bank compliance committee, officer ad hoc committees, marketing, risk management and public relations for the bank. Veteran of FDIC and State of Illinois Safety & Soundness, Compliance, and CRA exams.
· Work out of problem and stressed loans, saving the bank in excess of $1,000,000 of potential charge offs. Credits involved were Commercial Real Estate, C&I, Ag personal property, and consumer. Critical part in maintaining a Camel 2 rating for the bank in multiple FDIC and State of Illinois exams.
· Proficient in MS Office with Word, Excel, and Outlook.
APRIL 2003 TO MAY 2004: FINANCIAL BUSINESS CONSULTANT
PROJECT POSITIONS INCLUDE THE FOLLOWING:
SENIOR REVIEWER/INTERIM TEAM LEADER
· Contract position for Watkins Consulting on a project at Treasury Bank, a division of Countrywide Mortgage.
· Senior Reviewer/Team Leader of 11 compliance auditors of the QC/Compliance group, I performed second, third, and pre OCC reviews of the mortgage compliance checklists.
· Adhoc projects included BSA testing of Patriot Act compliance, Reg Z, Respa, TIL, ECOA and other compliance issues.
· Software/programs used: Excel, Word, Lotus Notes, Bank Mortgage Underwriting programs, shared database.
BANK MARKETING SPECIALIST for Jim Marsden State Farm Insurance in Prairie du Sac, Wi.
· Insurance sales and service for the Marsden Agency as an experienced sales specialist and marketer.
· Upon completion of the term a 6-18 month marketing outline for the state farm bank and their bank products of deposit, consumer, leases, and mortgage loans for the Marsden agency was delivered.
· Software/programs used: Word 2000, AS 400, Data Base/Sales tracking program, Mainframe program, and Microsoft Outlook.
2002 TO MARCH 2003: AVP/LENDING for Community Business Bank (Sauk City office).
· Portfolio manager/Business Banker/Sales of Mid-Market C&I, CRE plus Ag Lending, Consumer/Residential Real Estate Lending in house and secondary market, and sales of related financial products.
· Other critical duties included: ALCO, Officers’ Loan Committee, Credit Analysis, Compliance/BSA Audit, CRA Officer, Security Officer, Élan Credit Card support/Merchant Processing, and loan operations. FDIC compliance and training.
· Software/programs used: Excel, Word, Outlook, Farm Equity Manager, Baker Hill loan tracking, and Fipco loan processing software.
1997 TO 2002: FINANCIAL SERVICES OFFICER at Mid-Wisconsin Bank (Colby office).
· My focus was Agricultural Lending and C&I, Commercial Real estate lending, Real Estate (in house and secondary market), Consumer, Credit Card, Municipal loans, Collections and workouts.
· Other critical duties included training two consumer lenders, loan operations, and credit analysis and loan compliance, assisting with branch management decisions to being a backup branch manager. Veteran of multiple FDIC and state exams in Safety & Soundness, Compliance, and CRA.
· Software/programs used: Jack Henry system, Fipco, Excel, Word, Farm Equity Manager, Baker Hill loan tracking.
1994 TO 1997: LOAN OFFICER at Pioneer Bank (Auburndale office).
· As part of the lead lending team at the main office, my primary focus was internal lending at Auburndale and the corresponding branches.
· My lending experience was equally split equally between C&I, CRE, Ag Lending, Consumer lending, extensive loan compliance. Veteran of multiple FDIC and state exams in Compliance, Safety and Soundness plus CRA.
EDUCATION:
· Bachelors of Science in Agricultural Education from the University of Wisconsin - River Falls in 1989.
COMMUNITY INVOLVEMENT: PRESENT: BOARD OF DIRECTORS OF THE HARVARD CHAMBER OF COMMERCE AND BELVIDERE MUTUAL INSURANCE, VOLUNTEER FOR ST. JOSEPH CATHOLIC SCHOOL, NWTF HARVARD LIMB HANGERS CHAPTER COMMITTEE MEMBER.
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