Summary: I started my career in banking as a branch manager of several different branches of a major bank in Cleveland, Ohio. I then specialized in commercial lending, with the emphasis on small and middle market companies. I developed exceptional communication skills, both oral and written. I have called on many diverse types of customers and prospects, not only by phone but also in person. I became very proficient in various types of state and federal government lending and guarantee programs and was recognized by my employers as the in-house expert. I also developed a very successful skill in lending to new businesses or start-ups. This art or talent was utilized in the early stages of the clients first interview in which, through the use of probing questions and careful listening techniques, I can usually determine the potential of both the business and the client. I have a wealth of experience and talent in management, banking, finance, and insurance, in addition to the above, that can be utilized in most senior management positions.
•••••Present: Insurance Agent:
••••• Agent for Colonial Life Insurance Co., specializing in life and supplemental insurance in both the
••••• commercial and consumer sector.
Managing member of Albany Enterprises, LLC, which is located in my home in Albany, Ohio. This Company represents several different entities in the mortgage broker services, and insurance sales and services, where I am licensed in life and health insurance in both Ohio and West Virginia.
••••• •••••: Oak Hill Banks (now Wes Banco), Athens, Ohio
Oak Hill is a $••••• billion commercial bank, headquartered in Jackson, Ohio, with branches in central & southern Ohio. Oak Hill was merged into Wes Banco in November, ••••• Wes Banco is a $5 billion bank holding company headquartered in Wheeling, WV, with branches in Ohio and West Virginia.
••••• Regional President
Primary responsibilities: Managing a $•••••,•••••,••••• commercial loan portfolio, with loans & deposits in the Ohio Counties of Washington, Athens, & Hocking.
*Responsible for the conversion of my office from a loan production office to a complete retail &
commercial banking center in March of •••••
*Managed lines, letters of credit, term loans, & deposits to individuals, & small to middle market
*Approved or rejected any consumer or commercial overdrafts.
*Gathered all financial information & prepared all appropriate analysis for any new loans or
*Presented all loans & letters of credit that were over my limit to the loan committee.
*Participated in a structured calling program, servicing customers and solicitation of prospects.
•••••: Peoples Bank, Marietta, Ohio
Peoples Bank is a $••••• billion commercial bank, headquartered in Marietta, with branches in southeast Ohio, northern West Virginia, & northern Kentucky.
Vice President & Senior Commercial Lender
Primary responsibilities: Managing a $•••••,•••••,••••• commercial loan portfolio plus $•••••,•••••,••••• in various lines of credit & floor plans, along with the commercial deposits, with locations in Washington County, Ohio & Parkersburg, West Virginia.
*Member of the loan committee.
*Presented loans & letters of credit to this loan committee that were over my lending limit.
*Participated in a structured call program to customer & prospects.
*Managed loan workouts.
*In addition to commercial lending, the retail division reported to me from ••••• The retail
division was separated from the commercial lending division in ••••• due to the exceptional growth
in commercial loans.
•••••: ••••• First Knox National Bank (now Park National Bank), Mount Vernon, Ohio
First Knox is a subsidiary of Park National Bank, a $5 billion holding company, located in Newark, Ohio, with locations primarily in Ohio.
Assistant Vice President & Commercial lender
Primary responsibilities: Managing a $•••••,•••••,••••• commercial loan portfolio, consisting of lines & letters of credit, floor plans, along with various commercial & governmental assisted loans.
*Managed loan workouts.
*Enhancement of a call program to customers & prospects.
*Introduced & implemented a sophisticated analytical procedure for loan preparation &
•••••Graduated from the following schools:
•••••*BA & BS degrees from Ohio Northern University.
•••••*Ohio Bankers Association School of Commercial Credit from Ohio University.
•••••*American Bankers Association Commercial Lending School from University of Oklahoma.
•••••*Stoniers Graduate School of Banking from University of Delaware.
••••• *Various AIB, OBA, and ABA sponsored seminars in management, sales, and financial
statement analysis throughout my career.
•••••*Member of OBA Credit Committee.
•••••*Faculty Member and instructor of the Ohio School of Commercial Credit at Ohio
•••••*Chairman of the loan committee of the Buckeye Hills-Hocking Valley Regional
••••• Development District.
•••••*Member of AceNet board of trustees.
•••••*Member of the Marietta, Athens, & Logan Chamber Commerce.
•••••*Member Economic Roundtable.
•••••*YMCA Board of Directors and Finance Director.
•••••*East Muskingham Civic Association Board of Directors.
•••••*Marietta Boy Scouts Annual Fund Drive Chairman.
•••••*St. Marys Catholic Church Finance Committee.
•••••*Rotary & Kiwanis Clubs.
•••••*President of Knox New Hope Industries, Inc.
•••••*Charter member and founder of the Cleveland Heights Junior Chamber of Commerce.
•••••*Various leadership and fund raising responsibilities in the various communities
••••• where I have lived and worked.