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Innovative, Results-oriented Business Manager with extensive experience developing, implementing and directing policy and process to enhance organizational culture, associate performance, and operating results. Background includes: • Organizational Leadership • Project Management • Regulatory Compliance • Performance Management • System Conversions • Risk Management • Consolidation/Downsizing • De Novo Development • Policy Development Team player who works effectively with internal and external associates. Possess exceptional analytical, budgeting, motivational, communication, strategic planning, and decision-making skills

A dedicated individual with 23 years of progressive leadership experience, delivering results and providing outstanding customer service. A trustworthy professional who produces quality work while instilling customer loyalty. Expertise in the following skill areas: • Management • Organizational • Communication • Training • Problem Solving • Motivational • Leadership • Customer Service

Sincere and Accomplished Customer Service Professional with experience in banking, hospitality, restaurant and teaching. Possess supervisory skills including scheduling, disciplinary actions and leadership. Consistent in demonstrating excellent interpersonal skills and problem solving skills; with excellent ability to work as part of a team. Proficient in Microsoft Office software including Word, Excel, Power Point and Outlook; Open Solution data base, and Windows operating systems.

Accomplished Customer Service professional with a strong background in banking, general accounting, systems and file maintenance. Proficient in Microsoft Office including Word, Excel, Access and Outlook. Knowledgeable in QuickBooks.

Customer Service Representative with more than 23 years in retail banking and the customer service industry. Provider of superior customer service, identifying customer needs, establishing customer trust when making sound business decisions, and maintaining high standards for customer satisfaction. Recipient of multiple customer service awards with recognition from both customers and management. Background includes: „X Cash Handling „X Regulatory Compliance „X Training & Development „X Cash Management „X Assistant Manager Duties „X Staffing „X Notary License „X Branch Audits Dynamic team player that works effectively with all organizational levels and posses the flexibility and the dedication to produce quality work with all the team members.

Qualified Marketing individual from a small business setting looking to expand experience as a project coordinator. Excel in creative development, strategic thinking, interpersonal communications, and management skills.

Banking Professional with a Bachelor‘¦s of Science Degree in Finance and Economics. Possess extensive knowledge and experience working with regulatory and state laws regarding the banking industry along with retail banking operations and procedures. Proficient in Microsoft Windows including, Works, Excel, PowerPoint, Word, Outlook, Internet.

Assistant Vice-President & Branch Manager with seventeen years of progressive leadership experience developing, implementing, and directing initiatives that drive improvement in new business acquisition, employee performance, and operating results. Background includes: • Organizational Leadership • Oversight of Multiple Offices • Customer Acquisition/Retention • Performance Management • Continuous Process Improvement • Revenue/Sales Growth • Regulatory Compliance/Policy Development • Training/Development

Results focused marketing professional with fifteen years of experience driving improvement in company/product visibility, penetrating key market segments, and improving sales and revenue. Possess expertise in the Banking industry; mortgages, insurance, and investment. Background encompasses: • Segment Marketing Management • Advertising • Regulatory Compliance • Budget Development/Tracking • Vendor Relations • Special Event Planning • Supervisory Experience • Brand Awareness • Strategic Planning

Highly motivated professional with over 10 years of progressive experience making critical decisions on loans of up to $650,000 while maintaining regulatory compliance. Possess expertise in consumer, direct, indirect, installment loans and revolving lines of credit. Background includes: • Achieving Business Objectives • Increasing Market Share • Implementing Process Improvements • Conducting Staff Training • Strong Relationship Building • Regulatory Compliance • Handling Multiple Priorities • Risk Mitigation Dedicated employee with strong interpersonal, problem solving, and customer service skills. Skilled analyst possessing exceptional communication, organization, multi tasking and time management skills.

Accomplished Banking Compliance Specialist with over fifteen years of experience successfully analyzing bank activity, training personnel, improving productivity, and receiving higher audit reviews for financial institutions. Background encompasses: Regulatory Compliance Currency Transaction Reports, Negotiable Instruments, Automated Clearing House Transactions, Regulation D, IRS Reporting Selected Skills Problem Solving, Project Management, Training/Development, Supervision

Assistant Vice-President - Consumer Lending Loan Officer with 20 years of successful lending experience, including 17 years with the largest captive automotive finance company in the world. Possess expertise in automotive finance, collections and sales and have a record of accomplishment in impacting organizational success. Background includes: • Credit Review/Granting • Business Development • Sales/Marketing • Relationship Management • Performance Management • Regulatory Compliance • Customer Service • Process Improvement • Team Building Develop and lead high performance teams that immediately begin contributing to an organization’s sales, profits and growth.

Recent MBA Graduate with 4 years of diverse professional experience (including supervision) that quickly adapts to new responsibilities and drives improvement in sales, productivity, quality, and compliance. Background includes: Industry Experience: Finance/Banking, Automotive Manufacturing Functional Experience: Audit, Quality Control, Operations Management, Financial Analysis, Financial Planning Selected Skills: • Sarbanes Oxley Auditing • Managing High Performance Teams • Audit Planning/Development • Quality Control (QS 9000) • Forecasting/Budgeting • Project Management/Tracking • Investment Analysis/Advice • Continuous Process Improvement

Highly motivated professional with significant experience in the areas of administration, customer service, and banking that possesses expertise in loan analysis and underwriting. Background encompasses: • Meeting Objectives & Goals • Ensuring Regulatory Compliance • Project Management • Managing Multiple Priorities • Strategic Problem Solving • Risk Management • Credit/Collections • Billing/Accounts Receivable Enthusiastic and dependable individual who works effectively with others and excels in challenging and competitive environments.

Credit Manager/Analyst with twenty-five years of diverse banking industry experience that can effectively manage a large diversified department over a dispersed geographic area, develop cooperative working relationships, and successfully achieve common goals. Banking Expertise: • Accounts Receivable Management • Credit Analysis • Commercial Lending • Legal Documentation • Banking Regulations • Collateral Perfection Management Skills: • Hiring/Developing/Evaluating Staff • Policy/Procedure Development • Creating/Tracking Project Schedules • Handling Multiple Priorities • Managing Customer Relationships • Investigating/Resolving Problems

Results-focused professional with 25 years of progressive leadership experience in sales, business development, management and customer service. Consistently exceed planned goals and increase profitability. Background encompasses: • Organizational Leadership • Oversight of Multiple Offices • Customer Acquisition/Retention • New Market Development • Million Dollar Revenue Growth • Performance Management • Continuous Process Improvement • Revenue/Sales Growth • Strong Negotiation/Presentation Skills • Training/Development

Operations/Branch Manager with 25 years of progressive leadership experience developing high performance teams and driving improvement in operational performance. Consistently met aggressive deadlines and maintained world-class 98% customer satisfaction ratings. Background includes proficiencies in: • Organizational Leadership • Strategic Planning • Customer Relationship Management • Budget Management • Cost Reduction/Productivity Improvement • Performance Management • Continuous Process Improvement • Training & Development • Recruiting/Hiring/Staffing • Marketing/Sales

Assistant Branch Manager with proven success developing business initiatives, maximizing profit potential, creating & maintaining a client base, and providing superior customer service. Achieve business goals through organizational, operational and technical excellence. Possess excellent communication, motivation, network building, and problem solving skills. Background includes: • Organizational Leadership • Launching New Offices • Salary/Budgeting Planning • Performance Management • Training & Development • Recruiting/Hiring/Staffing • Policy/Procedure Development • Regulatory Compliance • Business Acquisition

Retail Banking/Commercial Loan Profesional with over thirty years of leadership experience driving new client development, increased community visibility, increased deposits, improved training, and stronger branch operations. Extensive background in SBA, NYBDC, NY State Linked Deposit. Strengths include: • Retail/Commercial Product Knowledge • Performance Management • Budget Management • Customer Relationship Building • Commercial Loan Support • Community Relations • Commercial Loan Training • Organizational Leadership • Team Building

Qualifications: Business leader with a proven track record in developing professionals, strategic planning and achieving results. Innovative and versatile in problem solving, achieving customer satisfaction and driving bottom line results. ►Strategic Business Planning and Development ►Financial Planning, Analysis and Reporting ►Team Building and Leadership ►Business Consultant; structured start-up of Small Business ►Community: Leadership Positions, Executive Searches and Major Gift Campaigns

Results-driven professional that successfully drives improved processes, better operational/cost performance, and outstanding customer service. Recipient of several customer service awards that excels under pressure and in fast-paced office environments. Functional Experience: High-Level Administrative, Operations Management, Customer Service, Account Management/Sales Selected Skills: • Computer Software • Project/Event Management • Procedure Development • Oral/Written Communications • Supervising/Motivating Personnel • Handling Multiple Priorities • Vendor/Customer Negotiation • Planning/Budgeting COMPUTER SKILLS Microsoft Excel Microsoft Word Microsoft Outlook Microsoft PowerPoint Microsoft Access Microsoft Publisher FMS Accounting Software Bisys Treev

Financial Services Industry Manager with 38 years of progressive leadership experience in developing, growing, and servicing retail and business client bases at several large financial institutions. Career successes included managing various-sized branches with associate levels numbering less than a 10 to larger full network support departments with staff in excess of 15 associates. Opted to continue working in financial services in a non-managerial, semi-retirement mode in 2004. An involved leader who has consistently worked effectively with subordinate and senior level associates throughout a successful banking career. Background includes: „P Budget Preparation „P Salary Administration „P Associate Training and Development „P Hiring and Staffing „P Performance Appraisal „P Sales Development „P Branch Consolidation „P Float Staff Management „P Policy/Procedure Writing „P Special Projects/Marketing „P National Branch Network Support